The California Bill Payer Bond is a type of surety bond required to obtain the required license. The bond is payable to the  California Department of Business Oversight in the amount of $25,000. The cost of the surety bond is usually between 1% and 3% of the bond amount. Surety1 will shop its many markets to procure the right price at the right terms.

How to Get a California Bill Payer Bond

At we make it easy to obtain this surety bond. Our simple, three step process is: California Bill Payer Bond

  1. Complete the easy to navigate and secure online application1
  2. Review the free, no obligation quote from one of Surety1’s professional surety bond agents, usually within one business day.
  3. Sign some paperwork and pay the bond premium

Once these steps have been completed, the California Bill Payer Bond will be shipped to the bond applicant.
1 -The name of the applicant on the surety bond application must match exactly the full legal business name of applicant for the license. is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. Representing over a dozen surety bond companies, is the premier online provider of surety bonds nationwide since 2003.

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Who needs a California Bill Payer Bond?

A California Bill Payer Bond is required for businesses that want to obtain a license to operate as a bill payer in the state. This means any entity that receives money from an obligor (the person paying the bills) to pay their bills on their behalf, while charging a fee for the service. Here are some specific groups who need this bond:

  1. Independent Bill Payer Businesses: This includes companies that specialize in managing and paying bills for their clients, individuals, or organizations.
  2. Real Estate Property Management Companies: If a property management company collects rent payments and uses them to pay bills on behalf of the landlord, they need the bond.
  3. Homeowner Associations (HOAs): If an HOA collects dues from homeowners and uses the funds to pay bills for the community, they may need the bond depending on their operating structure and state regulations.
  4. Non-Profit Organizations: If a non-profit organization manages funds for beneficiaries and uses them to pay bills on their behalf, they may need the bond depending on their specific services and state regulations.
  5. Proraters: Businesses that collect funds from consumers to pay off debts to creditors require a separate California Prorater Bond in addition to the Bill Payer Bond.

Who is exempt?

  • Individuals managing their own personal finances or businesses paying their own bills do not need this bond. Additionally, some specific financial institutions like banks and credit unions may be exempt due to existing regulations.

Key points to remember:

  • The bond amount is typically $25,000, but an additional fidelity bond of at least $50,000 may also be required.
  • Obtaining the California Bill Payer Bond is part of the licensing process for bill payers in California.
  • The bond serves as financial protection for clients in case the bill payer misuses funds or fails to perform their duties.

For more specific information about your individual situation, it’s best to consult with a legal professional or the California Department of Business Oversight.

How to be a Licensed Bill Payor in California

Here’s a breakdown of the steps involved in becoming a licensed Bill Payor in California:

  1. Meet Eligibility Requirements:
    • Be at least 18 years old and a resident of California.
    • Have good moral character and financial responsibility.
    • Have a net worth of at least $10,000, with $5,000 in liquid assets.
    • Comply with all applicable laws and regulations.
  1. Secure Surety Bonds:
    • You’ll need two bonds:
      • California Bill Payer Bond: Typically $25,000 to guarantee performance of your obligations.
      • California Fidelity Bond: At least $50,000 to protect against fraudulent misuse of funds.
  1. Form a Business Entity:
    • Choose a legal business structure (e.g., LLC, corporation) and register it with the state.
    • Obtain necessary business licenses and permits.
  1. Complete the Application:
    • File an application with the California Department of Business Oversight (DBO).
    • Pay the application fee and submit required documents, including your business plan, financial statements, and surety bond information.
  1. Pass the Bill Payer Examination:
    • Take and pass the written exam demonstrating your knowledge of bill pay regulations and operations.
  1. Once approved, the DBO will issue your license.

Additional Resources:

Note: This information is for general guidance only and does not constitute legal advice. It’s always recommended to consult with a legal professional for specific questions regarding your situation and to ensure you fully comply with all regulations and requirements.

How to Get Your California Bill Payer Bond

  1. Complete an online application. It’s free and no-obligation.
  2. One of our surety experts will contact you with a firm quote and an agreement to sign.
  3. Provide payment and your signed agreement, and then you will receive your Surety Bond!

If you have any questions, please call us at 877-654-2327.

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Surety1 was founded in 2003 and helps thousands of clients find the best prices on their surety bonds. We take pride in our work so that we can give you great service. Learn more about Surety1.

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