The BILL is NOT a BILL

[walter]

From reports, Amex bills have an associated bank rounting number( probably because Amex is a bank). In the "old days" (banking text books from long ago), where there are vouchers were checks. The idea was that you endorsed them payable to the biller.

In Canada if you send a statement then you must be a member of the Canadian Payment Association.
http://laws-lois.justice.gc.ca/eng/acts/C-21/

Bill payment Remittances
https://www.cdnpay.ca/imis15/eng/FAQ...c-c2203c0218b2

Rule H6
https://www.cdnpay.ca/imis15/pdf/pdfs_rules/rule_h6.pdf