 The largest providers of electronic bill pay services can deliver about 80% of their payments electronically, so 20% of payments facilitated by the large pay-anyone services are still made by mailing a paper check to the biller.This is the primary reason why some billers in a pay-anyone service require as much as a 5-day lead time for the payment to reach the payee.Restricted biller list payment services allow you to pay any biller that is in the provider's network, and in these services where the provider has an electronic relationship with the biller, the payments will be delivered electronically.