The image displays how user can pay bill for the Presentment and Payment type of biller. The bills/ invoice can be presented to the customers for bill payment or bills can be paid by the customers without the invoice. In the system when the biller presents a bill he will appear in the presentment section of the Bills screen and when there is no bill presented he will appear in the Payment section of the screen. This way customer can be the biller when there is a bill presented or even otherwise when there is no bill presented.