Continued innovation in the bill pay space.
I need to pay the bill immediately. But if you pay at the back, it takes 2-5 days to pay. Most people go to the vendor's website and so the banks lose out on the transactions.
With Pay Direct, I get the ability to choose to pay direct from within my banks online site, but pushes you over to the vendor's site with a branded bank banner. Your bank has gone along with you. The Pay Direct assistant fills in the fields for you and eventually saves the confirmation pages for you automatically. Your receipt is there in your bank online activity immediately. I can save other receipts as well from direct card payments on other sites.
I win, as I get more card points. The banks get the benefit of the transaction fees. You get better reviews online of your receipts in one place.
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