A system and method for secure transfer of a debt payment, according to one or more embodiments, provides for: receiving a request for a billing service from a biller; providing a reference code to the biller in response to the request, in which the reference code uniquely corresponds to a bill code; receiving a reply corresponding to the bill code from a customer via a network-based device in response to the bill code being included in a bill to the customer; and transferring a payment corresponding to the reference code to the biller while keeping selected financial information of the customer secure with respect to the biller.