ok, i'm getting used to the service. i didn't quite understand a few things at first but it makes more sense now.
friend of mine with the service claims to have *two* addresses listed on his credit card. but i'm pretty sure it just works like this:
for most billers they use that biller's online web site to fetch the bill. they get the data over some protocol or just do a screen scrape (not sure which). but for verizon, t-mobile, comcast, pge, and all my credit cards -- you have to set up a web account with each of those billers, then hand the credentials over to paytrust.
the advantage is you don't have to change your street address at all, the credit cards work just like before. i thought i was going to have a different billing and home address, when i called and asked each card issuer said they only keep one address for the account, period. (it's also possible that paytrust has changed how their system works over the years).
in these cases, you also have to tell the biller to stop sending paper statements.
of course the disadvantage to this method is you have to have an account for each of the billers processed over the web. kind of a hassle. each one has a different authentication, sometimes silly hoops to jump through. it gets old. should be a one time hassle though.
i guess the alternative can present another kind of hassle, when all your bills no longer show your street address --and sometimes that's useful as identification.