Abstract: A system and method for paying bills is disclosed that includes a bill from a payee. The bill includes text payee information that includes a due date, an account number, identification of the payee, an amount due, and payer information. The disclosed system also includes a statement disposed upon the paper bill that includes instructions for a payer to retrieve or take a photo of the bill and to send the picture to a billing text number on the statement. The bill can include one or more images and text. The one or more images can be processed by an image interpretive object and the text payee information can be processed by optical character recognition software for determining payment options that are the most likely to be paid, and the best prediction that the payee will receive payment due.