Plastiq has launched an iPhone app that allows consumers in the U.S. and Canada to snap a photo of their bills to pay them.

San Francisco-based Plastiq says after an image of a paper or email bill is captured, it identifies the biller, their preferred means of receiving payments, the amount due, and the due date.

Payments are made through the user's preferred credit or debit cards, even if the biller does not accept cards, as Plastiq charges a 1 to 2.5% service fee. The app also reminds users when a bill is due.

"No one likes paying bills," Eliot Buchanan, co-founder and CEO of Plastiq, said in an April 21 press release. "People forget to pay them on time, and last year Americans still sent tens of billions of checks in the mail."

A recent survey Plastiq conducted with consumers found that 98% of Americans pay for rent, utilities and tuition by check, yet 79% said they would rather use their payment cards.

For many industries, accepting credit cards just doesn't make business sense, Buchanan added. "We bridge the gap, letting anyone pay any bill with any card, regardless of card acceptance."

Plastiq has been offering the payment card option for rent, tuition, taxes and other services for three years, but its initial technology was an e-mail-based service.

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