{"license":"CC-BY-4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","attribution":"ChainChoice (https://chainchoice.io)","category":"bill_pay","evidenceReadAt":"2026-10-28","generatedAt":"2026-11-12","criteria":[{"id":"posted_by_due_date","label":"Business days until the biller shows it PAID — and the buffer the vendor admits you need","weight":32},{"id":"named_biller_reachability","label":"Can it reach the one institution you owe — and can that be taken away","weight":26},{"id":"exact_amount_and_rate_lock","label":"Who eats the price move between your order and the biller's credit","weight":22},{"id":"proof_and_who_is_liable","label":"What you can hand the biller, and what the terms say the vendor actually did","weight":20}],"providers":{"living_room_of_satoshi":{"posted_by_due_date":{"s":9,"q":"How long before the receiver gets my payment? | Bank transfers to Osko / Fast Payments enabled accounts arrive within minutes, for most Australian banks.","u":"https://www.livingroomofsatoshi.com/faq","d":"2026-10-28"},"named_biller_reachability":{"s":2,"q":"Direct BPAY payments are currently unavailable, but you can still pay BPAY bills in two steps: send funds to your own bank account, then pay the bill through BPAY using your bank. | The BPAY network no longer lets services like ours send BPAY payments funded by cryptocurrency.","u":"https://www.livingroomofsatoshi.com/faq","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":8,"q":"Just one fair, all-in rate, locked in the moment you submit your payment, so the price you see is the price you pay. | The rate you're quoted is the rate you get. No surprises between submitting and confirming.","u":"https://www.livingroomofsatoshi.com/","d":"2026-10-28"},"proof_and_who_is_liable":{"s":7,"q":"We act as your agent when providing this service. | Our cryptocurrency payments platform is a non-cash payment service. | We hold Australian financial services licence 507130.","u":"https://www.walletofsatoshi.com/assets/PDS_FSG_LRoS.pdf","d":"2026-10-28"}},"bitcoin_well":{"posted_by_due_date":{"s":6,"q":"Once you send the bitcoin, we process the payment immediately. However, the legacy banking system usually takes 1–3 business days to post the payment to your account. We recommend sending payment at least 3 business days before your due date to ensure it settles on time.","u":"https://bitcoinwell.com/ca/spend-bitcoin","d":"2026-10-28"},"named_biller_reachability":{"s":9,"q":"Add any Canadian payee to your Bitcoin Well account and we'll generate a permanent bitcoin address for them. | We support virtually every major Canadian biller.","u":"https://bitcoinwell.com/ca/spend-bitcoin","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":9,"q":"Select the payee and enter the CAD amount. | Bitcoin Well holds the displayed rate for five minutes. Send the exact BTC amount shown within that time. The BTC amount does not include the miner fee charged by your wallet.","u":"https://help.bitcoinwell.com/en/article/how-to-pay-bills-and-credit-card-balances-with-bitcoin-yqo18/","d":"2026-10-28"},"proof_and_who_is_liable":{"s":5,"q":"The Company does not act as your agent, advisor, fiduciary, or custodian. | The Company may allow you to sell bitcoin in exchange for Canadian dollars. Settlement may be made by bank transfer, payment service provider, or other supported methods.","u":"https://bitcoinwell.com/ca/terms-of-service","d":"2026-10-28"}},"swapin":{"posted_by_due_date":{"s":5,"q":"95% of Swapin crypto-to-fiat transactions are processed in 5 mins or less. However, national bank holidays and weekends might affect the waiting times for non-instant SEPA bank transfers. | Instant SEPA Bank Transfer | SEPA Bank Transfer | 1 business day","u":"https://www.swapin.com/fees-and-conditions/","d":"2026-10-28"},"named_biller_reachability":{"s":9,"q":"Pay any EUR invoice with crypto, like BTC, ETH, USDC, LTC, and more | Enjoy fast and secure transactions to any SEPA bank account | All payments are processed using your Named IBAN for clarity and smooth transactions","u":"https://www.swapin.com/individuals/pay-with-crypto/","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":6,"q":"2.8.1. The exchange rate is fixed upon confirmation of the payment by the Client. | 2.7.1. In case the Client has transferred to the Payment Intermediary’s Intermediary Account a smaller amount of Cryptocurrency that required for the execution of the Payment Transaction, the Payment Intermediary…","u":"https://www.swapin.com/terms-and-conditions/","d":"2026-10-28"},"proof_and_who_is_liable":{"s":7,"q":"A Named IBAN is a virtual IBAN issued under your name. | At present, we do not show your Named IBAN number on the dashboard. However, it will automatically appear on the recipient's bank account statement once a payment is processed.","u":"https://help.swapin.com/en/articles/161744-named-ibans-for-payments-in-your-name","d":"2026-10-28"}},"strike_bill_pay":{"posted_by_due_date":{"s":8,"q":"Strike tries your default balance first. If it falls short, Strike automatically draws on your other balance to cover the rest.","u":"https://strike.me/us/en/support/how-do-i-pay-bills/","d":"2026-10-28"},"named_biller_reachability":{"s":9,"q":"Enter the account and routing numbers into your biller’s payment system the same way you’d add a bank account. | You can use Strike with unlimited billers and pay as many bills as you want. A single bill can be up to $95,000.","u":"https://strike.me/us/en/support/how-do-i-pay-bills/","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":3,"q":"If you choose the latter, Strike sells enough bitcoin to cover the bill, charges trading fees, and adds the transaction to your upcoming tax form.","u":"https://strike.me/us/en/support/how-do-i-pay-bills/","d":"2026-10-28"},"proof_and_who_is_liable":{"s":5,"q":"You can find Transaction receipts in the “Activity” tab of the Apps. | You agree that Strike has no liability in the event a Bill Pay transaction cannot be completed because of insufficient funds in your Account, if the Bill Pay transaction is delayed, blocked, or rejected for any reason, or if the…","u":"https://strike.me/us/en/legal/us-individual-ts/","d":"2026-10-28"}},"bull_bitcoin":{"posted_by_due_date":{"s":2,"q":"Fiat payouts (account withdrawals) | Bill payment (CAD) | 25 CAD | 3-4 business days","u":"https://www.bullbitcoin.com/rates","d":"2026-10-28"},"named_biller_reachability":{"s":6,"q":"A Credit Card | Any of over 14,000 standard Canadian billers | To a biller's invoice","u":"https://www.bullbitcoin.com/sell","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":6,"q":"7.1 The Sell Bitcoin service constitutes an agreement whereby Bull Bitcoin purchases Bitcoin from the user in exchange for an agreed-upon amount of fiat currency, to be delivered according to the user's payment instructions.","u":"https://www.bullbitcoin.com/terms/canada","d":"2026-10-28"},"proof_and_who_is_liable":{"s":1,"q":"This should be thought of as \"selling Bitcoin\" and does not constitute a payment service in and of itself.","u":"https://www.bullbitcoin.com/sell","d":"2026-10-28"}},"coins_ph":{"posted_by_due_date":{"s":2,"q":"It will take 2-3 days for bill payments to be posted on the biller's account however, you may already use the payment details to confirm it. | The processing time for bills payment may take up to 3 business days (excluding weekends and holidays).","u":"https://support.coins.ph/hc/en-us/articles/215536158-When-will-my-bill-payment-be-posted","d":"2026-10-28"},"named_biller_reachability":{"s":4,"q":"Pay 120+ bills from your phone | Pay over 120 types of bills | With your Coins.ph account you can settle payments for over 90 different types of bills all over the Philippines.","u":"https://www.coins.ph/en-ph/pay-bills","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":5,"q":"Effective Date: April 16, 2026 | You agree that in such dealings, we serve only as a payment channel","u":"https://www.coins.ph/en-ph/legal","d":"2026-10-28"},"proof_and_who_is_liable":{"s":2,"q":"Will I get a receipt once my bill has been processed? | Unfortunately, we don't support this feature yet. But you'll receive a confirmation email that your customer's bill has been processed.","u":"https://www.coins.ph/en-ph/pay-bills","d":"2026-10-28"}},"spritz_finance":{"posted_by_due_date":{"s":2,"q":"Typically, bill payments via Spritz Bill Pay take up to 3-4 business days for the payment to have cleared your bill pay account. | Yes. We recommend paying your bill a couple of days in advance to prevent any issues with late payments.","u":"https://help.spritz.finance/en/articles/6706570-how-long-will-my-transaction-take-to-process","d":"2026-10-28"},"named_biller_reachability":{"s":2,"q":"Due to recent changes with our partner, the following bill payment services are no longer available through Spritz Finance: | T-Mobile bills | Citizens Bank Mortgage payments | Citibank Personal Loans","u":"https://help.spritz.finance/en/articles/6580795-i-can-t-find-or-add-my-current-bill-pay-accounts","d":"2026-10-28"},"exact_amount_and_rate_lock":{"s":4,"q":"By confirming a Bill Pay Transaction in the App, the user agrees to sell the specified digital asset to Spritz, and Spritz agrees, acting as principal and for its own account, to purchase such digital asset.","u":"https://www.spritz.finance/terms-conditions","d":"2026-10-28"},"proof_and_who_is_liable":{"s":1,"q":"Spritz expressly disclaims any status or liability as a money transmitter, payment processor, broker, or custodian. | OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO A…","u":"https://www.spritz.finance/terms-conditions","d":"2026-10-28"}}}}