Online bill presentment and payment (OBPP) is the electronic delivery of billing documents and the subsequent payment of these bills via the Internet. OBPP encompasses both consumer and business-to-business (B2B) payments. Online bill presentment involves making a customer's bill available for viewing on a Web site. The bill can be in the form of an image, PDF, or HTML page. Payment can be made using a credit card, debit card, or bank account.