Techniques for displaying a graphical user interface operable to receive user input specifying payments to be made are described. Each payment identifies a payee and a payment method to be used to make the payment. The techniques include making a determination as to whether any of the specified payments involve a payment method that uses a third-party on-line payment system. In response to a determination that a specified payment involves a payment method that uses a third-party on-line payment system, a message is sent to the third-party on-line payment system. The message includes payment information for specified payments to be paid by the third-party on-line payment system such that the third-party on-line payment system is able to process the specified payments.