Hello, Rayo.
I can definitely share with you the information I've gathered about QuickBooks Bill Pay.
The QuickBooks Bill Pay feature uses the Automated Clearing House (ACH) to electronically transfer the payments from your bank to your payee. In case your payee is not set to receive electronic payments, QuickBooks Bill Pay will automatically create and send a check through the US Mail.
To know more about the benefits and how this feature works, please check out this article: Set up and use online bill payment service.
I'm always around if you have any additional questions about this service. Thanks for dropping by and have a good day.
