doxo

doxo was founded on a simple but powerful mission: to empower and protect consumers by making bill pay simple, secure, and transparent. We’ve built the first truly ubiquitous bill pay experience that works with any payment method, any bank, and any biller, giving households control over how they manage their financial obligations.

doxoBILLS is the only bill pay service built around the user, delivering independence and flexibility no bank- or biller-centered solution can match.

Our platform brings everything needed to manage and pay household bills into one seamless experience, combining doxoBILLS six essential protections that help Americans stay in control of their financial lives:

Unified Bill Pay Calendar – All due dates, reminders, and payments organized in one intelligent view.

Private Pay Wallet™ – Protects sensitive payment information from being shared across billers.

Real-Time Bank Balance and FREE Payments with Linked Bank Account – Link to over 10,000 U.S. banks and credit unions to pay for FREE and avoid overdrafts.

$1M Identity Theft Protection – Industry-leading coverage that keeps users secure.

Credit Score Protection – Tools that monitor and safeguard credit health.

Insights – Actionable visibility into bills, payments, and spending trends.

The Bill Pay Economy™ represents over $4.55 trillion in consumer spending each year. Americans lose billions annually to hidden costs such as overdraft fees, late charges, and fraud. At doxo, we’re redefining the way people pay bills by eliminating these unnecessary costs and simplifying one of life’s most stressful financial routines.
Today, over 10 million people across 97% of U.S. ZIP codes use doxo to pay tens of millions of bills to more than 120,000 billers across 45 service categories—including utilities, housing, insurance, loans, and more. Users have connected over 6,500 distinct banks and credit unions, making doxo the first platform to bring bill pay portability and free payments to consumers nationwide.

Built on our proprietary Bill Pay Operating System (Bill Pay OS), doxoBILLS delivers a secure, modern payment experience that replaces the outdated, fragmented systems that frustrate both consumers and billers.

At doxo, we believe financial health starts with clarity, control, and security. Our team is driven by a shared passion to help households across America organize, automate, and protect their bill payments—so they can focus on what matters most.