Abstract: A flexible, easily used bill payment system which utilizes voice recognition and playback technology to allow each user to establish and maintain an audible list of biller names. Each user is able to create a personalized list of billers by merely speaking and recording the name of the biller. Each spoken biller name for each user is recorded within the system. Each spoken biller name for each user is recorded by the system and used as confirmation prompts in a bill paying session by that particular user. In this way, the system of the present invention allows each user to dynamically maintain a customized list of biller names recorded in the user's own voice. The recording of biller names is carried out as part of a initialization or setup procedure. To use the system, the user or billee dials the bill payment systems and selects bill payment mode. With the system in bill payment mode, the user selects whether a one-time or recurring bill is to be paid.