Take this into the demo

Bill Pay Agent: questions to ask

From The AI Agents Report by Iterategy · iterategy.com/research/ai-agents/jobs/bill-pay-agent/

The nine questions

Does an AI do this, or does a rule? If the answer is “when X happens it sends Y”, you are buying automation, and it should not cost AI prices.
Does it send, or does it draft? Ask for the sentence on their page that says it acts on its own.
Does it do it on its own on this plan, or on the one above? The setting that lets it act without you is often a tier up from the entry price.
What does it do with the hard cases? Ask what it holds back for you, and what happens to what it cannot resolve.
What is the cap, and what happens past it? Work out the bill at the volume you actually do, not at the included allowance.
What is the unit? Per month, per user, per location, per minute, per credit or per resolved ticket.
Who does the setup, and is it in the price?
What happens to the changes it made when I stop paying? Some tools make changes that stay only while you subscribe.
Who carries the legal side? For calling and texting customers, ask who handles consent and opt-outs.

The AI reads each bill and codes it to the right account with nobody keying it in. Paying still waits for your approval in nearly every product, and vendors design it that way on purpose.
Only one product we found pays without being asked, and only vendors who take a card.
Make sure it works alongside the accounting software you already pay for, so bills and payments land in your books.
In reviews, the complaints are about moving money, not about the AI: accounts frozen without explanation, payments late or missing, and support that is hard to reach. Ask how a stuck payment gets resolved and how fast.
Five products here start free, including several long-established names. The highest published entry price is $299 a month.