I am leaving a review about Paytrust's transition to Silverbills -- and I would leave negative stars if that were possible. Since the blackout period for the transition lifted after Jan. 3, 2024, I made two EFT payments: my automatically scheduled mortgage payment and a manually schedule (one-time) credit card payment. In both cases, Silverbills withdrew the money from my bank account -- but then paid the lender 3-5 days later. This is not how EFT is supposed to work. Silverbills does NOT get to hold onto my money for several days before disbursing it to the merchant. Even paper checks don't work that way: the money does not come out of my bank account until the MERCHANT gets the payment. Moreover, the CC payment has yet to post to my CC account and is now considered overdue, thank you very much. So far I have received little in the way of helpful responses via the support email address. Once I am certain my CC payment has been made, I will be cancelling my Paytrust service in favor of a better alternative -- this, after 20 years of being a customer. Steer clear of this one, folks. It's shamefully ugly now.