Automatic bill payment is a check less automated system used for paying recurring bills. For automatic bill payment the customer need to make only one authorization statement to a bank. For example, a customer can make his/her regular-even payment of loan by providing one authorization statement. The customer need not make authorization every month. Automated Clearing House (ACH) makes necessary debits and credits. Usually, the account holder ultimately decides whether the automatic bill payment happens each month. The customer can stop automatic payment function off or s/he can postpone the payment.