That's interesting, thanks for sharing! We're building Neon, a one-stop bill pay solution for all your essential bills and hence, we're interested in learning what else can be done to improve user experience. Would you think a centralized dashboard where you can add your bills once, and then can control such things (like payment methods or bank account), help? For some added context, we provide a credit line at 0% APR and automate payments using that credit line. We also consolidate all bills in a centralized location, on our dashboard.