The present invention is directed at systems and methods of inserting value into a customer account with a provider of goods or services. Methods may comprise distributing to a customer a bill pay card wherein the bill pay cards comprise information sufficient to identify the provider of goods or services, the customer, and the customer's account with the provider of goods or services; presenting the bill pay card at a point of sale (POS) location; reading or otherwise obtaining from the bill pay card the information thereon; receiving value from the customer; and crediting the value received from the customer to the customer's account with the provider of goods or services. Systems may comprise a bill pay card; a provider of goods or services; and a POS.