# Bill Pay Switch
source: https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/bill-pay-switch/index.md

## What is Bill Pay Switch? {#what-is-bill-pay-switch}

Through the Open Finance experience, Bill Pay Switch (BPS) enables customers to switch recurring automatic payments from an incumbent account into a new or existing account at a financial institution. BPS enables customers to update their payment information (ACH or Card on File) for recurring bills and subscriptions by making it easier to switch financial providers.
Warning: This product may not be used for purposes subject to the Fair Credit Reporting Act.

## Why is it important? {#why-is-it-important}

**Make Switching Banks Effortless with BPS**

Switching banks has long been a hassle---especially when it comes to updating recurring payments for subscriptions, memberships, and vendors. Payments are sticky by nature, creating friction that discourages customers from moving their primary banking relationships.

BPS removes this barrier. With a single, secure session, customers can log in to multiple merchants and update their payment details seamlessly---no manual updates, no headaches.
But the value of BPS goes far beyond convenience.

* **Drive Customer Retention and Primacy**   

  BPS helps financial institutions retain customers and increase wallet share by reducing switching friction and enabling deeper, longer-term engagement.

* **Built for Compliance and Trust**   

  Fully aligned with Open Finance regulations, BPS ensures that institutions stay compliant while offering a user experience that builds trust.

* **Seamless Integration with Open Finance Tools**   

  When paired with services like Account Validation and Data Connect add accounts, BPS becomes a powerful solution for account onboarding, funding, and long-term customer engagement.

* **Revolutionary Security with On-device Authentication**   

  BPS is powered by Atomic's TrueAuth technology, which removes the need for financial institutions to collect customer credentials. This not only enhances data security but also simplifies integration and eliminates the need for direct partnerships with payroll providers.

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**Benefits for customers may include:**

* **BPS makes switching banks simple and hassle-free:** Instead of updating each payment method manually, customers can efficiently manage all their recurring payments through a user-friendly dashboard and checklist. The solution supports both Card on File and ACH payment method updates while leveraging Return User Experience (RUX) design, allowing customers to seamlessly pick up where they left off.
* **BPS puts security and ease at the forefront:** TrueAuth provides native support for biometric authentication methods like FaceID and TouchID, ensuring a smooth and secure experience. By integrating with other Open Finance services, BPS also enhances overall financial management, making it easier for consumers to onboard new accounts, fund them, and access competitive banking solutions.
* **BPS removes the barriers to switching banks:** BPS empowers consumers to take control of their financial choices without the hassle, enabling them to select the best banking provider for their needs while ensuring a frictionless and modern experience.

## UX flow example and best practices {#ux-flow-example-and-best-practices}

Tip: Access the [Figma file](https://www.figma.com/design/3skK7lbsVEufKauMc9K6Z0/Bill-Pay-Switch-%E2%80%A8UX-with-Best-Practices?node-id=1-6688&t=ntOcGeaenYlJU6wb-4) for this experience to duplicate and customize in your own environment.

For the best viewing experience of app to app, click the **full screen mode** option or **zoom** using the controls located on the right.

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Tip: If you have any questions or need assistance with the customer experience or development, [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md).

## How it works {#how-it-works}

For details of how to initiate the new Connect Transfer flow and obtain details of the bill pay switches once created, see the [developer documentation](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/bill-pay-switch/index.md).
Note: **Is customization available?**

Limited customizations are applicable in the current version of Bill Pay Switch.

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Next: [Mastercard Data Connect Enhancements and Features](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/connect-enhancements-and-features/index.md)