Looking at the different price plans, I'm seeing that online bill pay is only free up to 20 payments and it's being done through bill.com.

However, looking at this link: https://quickbooks.intuit.com/blog/whats-new/a-new-embedded-bill-pay-capability-in-quickbooks-online... it looks like bill pay is free if paid using ACH or debit card, and it's being done through Melio.

So, which is it?