An Electronic Bill Presentment and Payment System offers businesses the ability for customers to obtain applicable bills/invoices and make payment via ACH and/or credit card. Electronic Bill presentment and Payment (EBPP) enables bills to be created, delivered, and paid via the Internet on computers and mobile devices. EBPP has applications for multiple industries, from utilities, insurance companies to any business looking to streamline operations and offer self service customer payment options. Depending on the businesses electronic invoice presentment and payment solution needs, bills or invoices may be delivered to the customer by email with a link to make payment to that bill or in more sophisticated solutions the customer can create an account where their invoices can be viewed, paid and an audit trail created. The BillFind+Pay electronic bill presentment and payment system provides companies and organizations a web based system that allows customers to lookup their payables by entering in account related data, e.g., Invoice Number, Account Number or other merchant definable fields. Billers upload Bill Definition files using sFTP that contain customer receivable information and direct their customers to the BillFind portal. Merchants can choose to accept Credit Cards, eChecks (ACH) or both as payment vehicles. BillFind+Pay differs from an electronic invoice that is generated and delivered to customers in that the customers lookup their bill themselves, and once located they make payment. EBPP can work in concert with IVR Payments, including outbound calls and SMS messaging. SMS messaging can prompt either a payment page that renders on a mobile device or, a reply to the SMS message can trigger an outbound IVR call. All of these capabilities work alongside the EBPP web rendered solution. Additionally, SMS Payments can provide another option for electronic bill presentment and payment. Text messages can be delivered to customers that present their invoice amount that is due and provide the option to pay from a mobile device where the text message redirects the customer to a micro payments site. The customer receiving the SMS invoice can also reply to the message “call,” which triggers an IVR system to initiate an outbound IVR call where the payment can be completed over the phone.