In 2023, U.S. consumers paid about 16.8 billion bills totaling $5.6 trillion, with utilities, credit cards, cable/TV/internet, and cellphones making up over half. Around 60% of bills were one-time payments, while 40% were recurring. Online channels accounted for 63% of payments, with biller websites growing in use—from 62% in 2010 to 77% in 2023—while bank sites declined. ACH was the dominant method, but checks, debit cards, and credit cards still played notable roles. Payment behavior varies by generation: older consumers prefer mail and bank sites, while younger ones use biller websites and debit cards more often.

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