Electronic bill presentment-which took the spotlight in June when Microsoft and First Data Corp. teamed to create bill payment and presentment company MSFDC-is getting another push, from slightly smaller players. Reston, VA-based CyberCash and Ann Arbor, MI-based BlueGill Technologies have devised a solution that allows merchants to present branded bills on their Web sites using BlueGill's 1to1Server and receive payment from customers with CyberCash's PayNow Secure Electronic Check Service.

Banks don't get cut out of the equation; billers will send electronic payments, as ACH files, to banks for deposit as they do with physical checks. Banks can also add electronic lockbox services to their roster without investing in additional remittance processing equipment, says Richard Crone, CyberCash vp and general manager for PayNow. And, like MSFDC's offering, the CyberCash-BlueGill solution supports bill presentment and payment via other Net-enabled mechanisms such as e-mail, Internet TV and screen phones.

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