Online payment is 100% safe. Typically, an online bill pay service that is backed by a bank or a company that provides Online banking services will be safe and reliable. Compared to everyday transactions people take for granted, such as handing a credit card, online bill paying is far safer. This is because online bill pay services encrypt your data to keep it secure and utilize multi step identify verification processes and password protections. In contrast, a person who handles your credit card during a transaction can easily copy your credit card account information and potentially use it to make unauthorized purchases.