A method includes the steps of: enrolling a plurality of billers and a plurality of payors in a multiple payor bill payment program; receiving an invoice from a given one of the billers, the invoice being generated in response to an order for goods and/or services initiated by at least one of the payors; splitting the invoice into multiple parts according to prescribed rules corresponding to each of a subset of the payors associated with the order; sending the multiple parts of the invoice to the subset of the payors associated with the order; receiving payments from the subset of the plurality of payors associated with the order; and sending the payments to the given one of the billers.