Originally Posted by
Happy
Actually it is CheckFreePay, and it shows up so if the receiving bank would show the payment path. Not all receiving banks would show the payment path. AMEX for one, does not. There is no difference from when you push payment from your real bank to pay bills if your bank uses CheckFreePay system. As far as I know, BofA uses CheckFreePay, so as PNC and TD and many other banks for their Bill Pay service. You can see the interface of it, is identical on any bank that uses the service. My guess is, the set amount of WMBP could trip wire. Using a real debit card that has amount far exceeded the 2K limit probably would not cause anything.
This is just speculation on my part, but CheckFreePay is normally paid with cash. Unless the receiving bank can see that debit cards were used, they may assume that the bill was paid with cash, which is untraceable and therefore could be used for money laundering. If I were trying to launder money, taking it to Walmart or Kmart and using it to pay off a credit card might seem like a good way to do it, so perhaps banks are cautious about this.