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Most checking accounts now include a Billpay feature. My account has Pay My Bills and it is free. It works better for me than Automatic Pay. We have a tight budget, and with automatic payments on my bills, I would have to worry about having enough money in the account when the creditor decided to withdraw his payment. With Pay My Bills, I choose the date the payment is made.
I definitely agree with you on the Bank Bill Payer as opposed to the automatic withdrawal by the creditor. Temporary file for payment pending is a fantastic idea. Wish I had thought of that a long time ago. I have projected my bank account showing expected income and expenses for several months with a running balance so that I do not get overdrawn. That way I change the date of payment if necessary. That has also helped.