hy does it take so long between the time I add a merchant to my list and the time I can make a payment to them?
The ten days stated is a maximum: in many cases, you will have verification before that time. Bill Pay must find out whether that merchant can accept electronic payments. If the company is able, then Bill Pay must get all of the relevant information to set them up on the system. The time that takes depends on the responsiveness of the company.
