electronic bill payment processor, has begun testing a service that brings on-line bill paying to consumers who do not have computers. The service, called FlashPay, lets consumers initiate bill payments at participating retail stores or check-cashing centers. Travelers Express, a unit of Viad Corp., electronically gathers payment data keyed into FlashPay terminals. It then collects the funds and transmits payments to billers. New York is hosting the pilot for the next two months; thirty retail locations and Nynex Corp. are participating. Travelers Express expects to roll FlashPay out nationally in the fall.

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