Apple Pay is now available as a payment method for more than 2.5 million consumers and 45,000 U.S. billers on doxo, the bill payment network announced today.

Seattle-based doxo already offered consumers the ability to pay their bills with a single login, from any device, using their credit card, debit card, bank account or cash. The company more than doubled its customer base in 2018, largely thanks to a revamp of its mobile services, and is expanding its team to accelerate growth and add functionality.

Steve Shivers, CEO of doxo, told Bank Innovation that more than 60% of users’ bill payments now originate from their mobile devices, half of which are iOS devices. He said Apple Pay has therefore been a highly-requested feature of late.

“If we were to wait for Apple Pay to filter down to all the individual billers we have in our lives it could take years or even never happen,” he said.

Shivers said it took about eight weeks to get Apple Pay integrated and ready for launch on doxo. Apple Pay, he said, is for the major billers on the network but also for the smaller local utilities and providers that wouldn’t be able to invest in the technology and deal with the integrations on their own.

He said doxo essentially acts as a Rosetta Stone between all the ways consumers want to pay and whatever is easiest for the biller in terms of receiving those funds and reconciling the payments.

Bill pay accounts for about 55% of all household spending or $3.9 trillion annually, Shivers said. Even though bank bill pay is down every year, as more people move to mobile and card-based payments, he said innovation in the bill pay space has been lagging.

“All of this explosion of innovation that has happened in fintech and payments has almost all fallen on the 45% of U.S. economy that is discretionary, episodic or retail spending,” Shivers said. “The bill pay side has kind of been stuck in the Stone Age because it takes too many changes in billing systems to access all that innovation, and each biller is using different systems and enterprise software.”

Shivers said doxo users never have to link away to different sites or manage various credentials and accounts for each of their connected providers. He also said users paying through doxo don’t have to disclose their personal pay account information to each individual biller or update their information with all their billers every time they switch banks or get a new card.

He said doxo, serving as something of an intermediary, tends to work best for users who are not in the last-minute-payment category. He said doxo is as fast as bank bill pay, as it uses the same rails and methods, but turnaround times also vary depending on the capabilities of the individual billers.

Features within doxo for consumers include abilities to set bill alerts, preferred payment methods and automatic payments. Billers, in the meantime, can access a portal through which they can see where customers are in the payment process and when they can expect funds.

Consumers are able to add billers with the assistance of crowdsourced data. For instance, by providing just a zip code, doxo can pull up the most common water, energy, cable and phone providers operating in the area.

“Bill pay is extremely local,” Shivers said, adding most households, while certainly making use of national services, pay the majority of their bills to regional and local providers.

He said doxo is constantly monitoring changes in the payments landscape and identifying places where friction remains.

“Every time you can do with single click something that used to require filling out a form, we want that,” Shivers said.

The company’s backers include Bezos Expeditions, Sigma Partners and MDV.