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Idiot business.' billdoctor.com is very likely not a scam but legit and reliable. Our algorithm gave the review of billdoctor.com a relatively high score. We have based this rating on the data we were able to collect about the site on the Internet such as the country in which the website is hosted, if an SSL certificate is used and reviews found on other websites. Yes this is completely legit and is absolutely fine as the payment recipient. No need to ask for a different method of receiving payment. I would actually like this as a recipient because it allows you to track your payments/invoices and manage your own banking information (taking away the use of ACH/direct deposit forms which are highly ... The High Cost of Only Making Minimum Credit Card Payments. Making only the minimum payments on your credit card can be tempting, especially if you're struggling to make ends meet. 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