Over the past decade, financial institutions have experienced continual growth in the volume of payments initiated through their online bill payment services.   Consumers are increasingly opting for this payment method because it offers the convenience of being able to pay all bills in one place at one time, and because it’s a free service offered by banks.  Although this is a great solution for consumers and banks alike, it has become a growing challenge for billers that are not capable of receiving these payments electronically.  Smaller volume billers, such as municipalities, utility districts, and tax offices are facing the challenges of receiving online bill pay checks without coupons requiring manual posting.  Many of these checks also have incorrect information requiring longer processing times due to the need to conduct research prior to posting.   Apex Treasury offers a service to help manage this payment channel.