This week I made four web purchases using Paypal and my LMCU debit card. Lake Michigan has recorded these four as "Bill Payment", and they do not count toward the 10 Reward requirements.
In previous Reward cycles these same four identical Paypal purchases have counted toward the Reward requirement.
I have spoken with LMCU and they say I have to take up this issue through Paypal. LMCU will not change their Bill Payment label, even though these were purchases, not billpays.
To my knowledge Paypal does not even have a Bill Payment system. I have not called Paypal, 1st because my experience is that you cannot speak with a human at Paypal, and 2nd because there is no evidence that Paypal has suddenly become a Bill Payment processor.
Hopefully this is useful to someone else, or someone has more information.