No credit cards or checking account does not mean having to stand in long lines waiting to pay your utility bill anymore. Bill payment kiosks, preferred by quite a few businesses are convenient modern day options. They not only take the payment but also give you a receipt in return and save you a lot of time. It is accurate and safe. Because it is automated, the moment you step away from it, it automatically shuts down the screen or locks it, thus protecting you from identity theft. A payment kiosk normally comes with a computer which is either a touch screen or has a keyboard attached within a durable outer shell. Heavily populate places like malls, banks, convenient store have them. They also feature customer service phones, security cameras, credit card readers, coin and bill acceptors and sometimes even perform the function of an ATM machine. Some payment kiosks also accept payments on behalf of traffic tickets issued.