Abstract: A method for making a secure payment, the method comprising the steps of: entering, using an online secure payment system, one or more pieces of information associated with a transaction for a customer from a biller; generating, via the online secure payment system, a digital bill for the customer from the one or more pieces of information; associating the digital bill with an account for the customer in the online secure payment system and alerting the customer to a change in status in the account; receiving, with the online secure payment system, a payment instruction for the digital bill from the customer; and processing, with the online secure payment system, the payment instruction for the digital bill and sending payment of the digital bill to the biller.