Bill-pay integration

A central management apparatus (“CMA”) controlled by a drawee bank, the CMA comprising:

• a non-transitory computer readable medium having computer readable program code embodied therein;
• and
• a processor configured to execute the computer readable program code wherein the computer readable program code when executed by the processor configures the CMA to:
• receive from a bill-pay vendor first payment information, the first payment information displayed on a check issued by the bill vendor on behalf of a payer;
• receive second payment information displayed on a check issued by the payer;
• and
• display the first payment information and the second payment information to the payer;
• receive a confirmation of the first payment information from the payer;
• receive a confirmation of the second payment information from the payer;
• and
• debit an account of the payer held at the drawee bank in response to the confirmation of the first payment information and the second payment information.