Most online bill pay systems allow you to pay anyone. If the person or company that you need to pay isn't in the system, the service will mail a paper check. There is a potential problem with this as described in this blog post by The Finance Buff
. The people receiving these checks may not know what the check is and assume it's a scam. With so many pseudo checks (cashing it signs you up for a monthly service), I'm not surprised to see this confusion.