Avoid late fees and penalty interest rates!
If you're about to
be late with making your payment due to failures in Quicken Bill Manager (Quick
Pay or Check Pay), I recommend you logon directly to the biller's website and
authorize them to direct debit the next (and perhaps all future) payments from
your checking account or a credit card. The biller will make an electronic
debit on the due date and you don't have to worry about being late. Just record
a scheduled reminder that is not an online payment into your account register
on or before the Due Date and before you download transactions from the bank or
credit card containing the debit transaction. That will allow Quicken to match
your register transaction to the downloaded data and not cause any further
Does anyone at Quicken even have a solution?
Thank you for
reaching out to the Community regarding your issue, although I am sorry to hear
that you are experiencing issues. I've tried something on our end to see if we're able to get your bill in sync with your file. If you could validate the biller one more time here and see if the bill comes in properly. It may also take 24 hours in order to update as well. Once you've had the chance let us know if the bill does come in.
Quicken Bill Manager actually started out as "Bill Presentment" in Quicken 2015.I used that for several years, and at one point (maybe in a beta) it was mentioned what the third part service name for providing this was, but I have long forgotten, and Quicken Inc tries to hide such information.The first think to understand is that Quicken Inc is a small company it doesn't have the resources to maintain as they put it 11,000+ "billers". So for transactions downloading they pay Intuit, for "bills" it is this third party service that deals with that as their business.Anyways the way that the third party does it job is basically how Express Web Connect works. There isn't any standard on how to download transactions and there isn't any standard on how to download or pay bills. So in both cases they have to log into the websites as if they are you. I know in the case of Intuit/Express Web Connect they setup agreements with the financial institutions. I have no idea if this third part service for bill presentment/pay has similar agreements or not (I would hope they do). But one thing is quite clear from my use of the bill presentment part of this. Some billers work fine, others "sometimes", and others never worked for me.And that is just the bill presentment part. Obviously it gets much more complicated on the bill pay side.If one looks at what happens when you have bill pay through your financial institution through Quicken it is using "Direct Connect/OFX protocol" it is a set protocol that is sent directly to the financial institution which in turn changes that into commands to its bill paying system.If one looks at how the old Quicken Bill Pay worked, it was a third party and what was done is they setup the ability to do ACH transfers. If the bill to pay accepted ACH transfer they set one up from your checking account to that biller. If that wasn't possible they transferred the money to their account and then sent a check.So in the above two cases the biller site is never accessed. But in Bill Presentment they are.Well that same service provider has the service of paying bills, but it isn't started from your checking account, it is started from the biller's website.I'm a strong supporter of paying from the biller's site, I have been doing it for over 25 years, but there is a difference. I log into the biller's site and set up things. I can look at the costs, if they support doing with my credit card that pays me cash or if I have my checking account and all that kinds of details. Note I set them up just to pay the balances, and setup my credit cards to be paid off in full from my checking account. Once setup all I need to do is make sure I keep enough in my checking account to pay the few that can't be paid by credit card, and I get 20 to 30 days of notice for how much I need for when the credit cards will be paid.The third party service for Quicken Bill Manager is trying to do that all with "scripts/programs" to automate it as if you were doing it. Given the possible combinations of how different billers do this, this is an extremely hard thing to do without having problems all the time. Not to mention in my case I set up a very simple payment, pay full bill on such and such date. I don't have payments that I change scheduling/amounts and such that users want from Quicken Bill Manager.