Bill Pay is one of the two ways to pay bills with Deferit. It lets you pay a bill in full using your debit or credit card — and we handle the payment on your behalf.
Every successful, on-time Bill Pay transaction is reported to the credit bureaus, helping you build your credit over time.
How Bill Pay works
Here’s how Bill Pay makes managing bills smarter:
- You upload a bill (like utilities, insurance, phone, or parking fines)
- You pay the full amount to Deferit using your debit or credit card
- We pay the bill on your behalf — even if it needs to be mailed by check
- We report your on-time payments to Deferit to credit bureaus to help build your credit
It’s fast, transparent, and helps you stay in control of your finances.
Why use Bill Pay?
- Pay bills in full, all in one place
- Avoid late fees and manual payments
- Build your credit with on-time payments
- No interest — just a flat $0.99 processing fee per payment
Cost and coverage
Bill Pay is included in every Deferit membership: Lite, Max, and Ultra.
There’s no extra fee beyond your monthly plan and the standard $0.99 processing fee for each payment.
Bottom line
Use Bill Pay when you want to pay a bill in one go — and build your credit at the same time.
It’s a simple, interest-free way to stay on top of bills and boost your financial wellbeing.