Post #2462769

2026-05-06 16:22 UTC

I don't use a lot of cash but that has been the case since I have been eligible for credit cards. I pretty much do not like any other kind of payment except check or cash. To much stuff wants to pull money and that I absolutely do not like. Bill me and I will push the money to you. Actually the basic billpay system at my bank is my second favorite way to pay things. Maybe actually first. Detest things like zelle which just feels like a scam to me. I absolutely wish the bank bill pay system was more advanced. Like I could have a qr code and say bill me here and they could have one to say set us up as a place to pay for with this qr code. When they use it they send a bill and I acknowledge them as a vendor and they go into my space. Then I can download the bills or statements from the bilpay in my bank and authorize payment. It basically works kinda like this but only some things integrate with it. In addition for some reason if you integrate something with it some will basically want to take your portal access directly to the vendor away which I don't get at all. In the end cash for me is a fallback that I don't want to go away and that im always prepared to use.

Replies (1)

@litchralee@sh.itjust.works 2026-05-06 16:33

> Detest things like zelle which just feels like a scam to me. I absolutely wish the bank bill pay system was more advanced. Like I could have a qr code and say bill me here and they could have one to say set us up as a place to pay for with this qr code. Does your current bank not do this with Zelle QR codes? At least in my bank's mobile app, it'll happily generate a QR code for my account as a Zelle destination, which other people can scan and then pay me. Or they can scan and send me a request, which I can then accept and pay them. I use Zelle precisely when everyone else would use Venmo, because I don't want yet-another institution to have my bank details, and since Zelle is integrated with my bank, I already have to trust them anyway. It's not a bill.com-esque invoicing system, but maybe somebody will build atop Zelle to do exactly that. I will say that tying Zelle to a phone number or email is a bit limiting, though, and maybe one day there will be "usernames" for Zelle, encoded purely in QR codes.

Open ##2462788