There are a myriad of options for online bill paying. Users can pay bills through services offered by their local banks, credit card companies, the vendor’s own Website (like your electric utility or phone company), or through online banks. Users can also pay bills through the use of home banking software, which allows one to set up bill payments, and record the transactions in their check registry on their local computers at home. The payments to the vendor can be transmitted from both the user’s bank or directly from the user’s credit card.