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The convenience of automatic online bill payments: pros and cons

When it comes to bill payments, digital is the way to go. Long gone are the days when people actually had to visit the official sites physically. Now, it’s just you and your smartphone. From your Airtel bill payment to water/electricity bill, everything can be easily done via it.

This method has undoubtedly become increasingly popular in recent years, especially after the Covid-19 outbreak, due to the convenience and speed it offers. Moreover, in the current digital era, availing the benefits of technology and adapting the same is quite important.

What are online bill payments?

As the term suggests, it is the process of payment that lets an individual pay bills over the Internet from a bank account at no extra cost. It simplifies a lot of tasks and eliminates the need to write out checks or count and distribute paper currency. 

To initiate these payments, a potential user typically creates an account with the service provider or financial institution offering such services. 

Here, the payments can be set up for one-time or automatic recurring transactions. So, always ensure that your account has enough money in your account to cover any payments you make online. 

What are its pros and cons?


  • Speed

Whether it is your electricity bill or Airtel bill payment online, these are usually processed instantly so you make your payments on time. This is particularly essential for bills that have a due date.

  • Convenience

It allows you to make payments from anywhere and anytime, as long as you are connected to the Internet. This saves a lot of your time and effort compared to traditional methods. 

  • Accurate

They undoubtedly eliminate the risk of errors that can occur while writing a check or making a manual payment. In addition, the information here is entered digitally, reducing the likelihood of errors. 


  • Technical Problems

Online electricity bill payment relies totally on technology, which can sometimes be prone to technical issues that might result in delayed payments. However, if you use the right application, there is no need to worry.

  • Fees

Some online bill payment providers may charge a fee amount for using their service. This can be a percentage of the payment or simply a flat fee.

How to get receipt of electricity bill payment online?

When it comes to this bill, you simply can do anything related to it on your smartphone. For this, I use the Bajaj Finserv application, and it is super easy to use. Believe me, once you start initiating online payments, you’ll tend to save a lot of money, time as well as a lot of your energy. Here is a step-by-step guide on how to do the same:

  1. Download the app
  2. Sign up with your mobile number
  3. Under the Bills & Recharges section, go to Electricity
  4. Select your provider
  5. Deposit the bill, and you’ll get the receipt of the same


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