I have been fooling around with this for a year or so. My experience has been that it works wonderfully for known vendors like utility companies. Flawlessly. Last Monday I tried paying my property taxes that way. Today I called to determine if the money had been received. Not. The money was gone from my account, but it had disappeared. Maybe they put it on the Discovery. I'll get this figured out -- about three hours from next Monday morning. That's if I can get to someone who will answer their phone.