The most recent BillGO lawsuit was a breach-of-contract case brought by EML Payments USA, LLC in late 2025 and ended by a stipulated dismissal with prejudice on May 14, 2026. The specific contract at issue and the terms of the resolution were not disclosed in public court records.1CourtListener. EML Payments USA, LLC v. BillGO, Inc., Docket
Who Sued BillGO and Why
EML Payments USA, LLC filed the case in the District Court of Johnson County, Kansas under case number JO-2025-CV-003074. It was classified as a contract action, with breach of contract identified as the underlying cause. The factual allegations and the contract itself were not made public through available records.2PACER Monitor. EML Payments USA, LLC v. BillGO, Inc.
EML Payments USA is the U.S. arm of EML Payments Limited, an Australian-listed prepaid card and embedded payments company with U.S. operations based in Kansas City. BillGO, Inc. is a Fort Collins, Colorado financial technology company that runs a biller network connecting billers and financial institutions for digital bill payments.3The Payments Association. EML Payments Limited Directory Profile4BillGO. About Us
How the Case Moved Through Court
On December 31, 2025, BillGO removed the case to the U.S. District Court for the District of Kansas, where it was assigned docket number 2:25-cv-02776 and District Judge Holly L. Teeter. The same day, BillGO filed its answer with affirmative defenses and a counterclaim against EML Payments USA. EML answered the counterclaim on January 21, 2026.1CourtListener. EML Payments USA, LLC v. BillGO, Inc., Docket
The court entered a scheduling order on February 19, 2026, and both a protective order and an electronically stored information protocol on March 2, 2026. The case did not reach substantive discovery. Judge Teeter administratively closed the case on April 15, 2026, pending a stipulation of dismissal, and BillGO filed the stipulation of dismissal with prejudice on May 14, 2026.1CourtListener. EML Payments USA, LLC v. BillGO, Inc., Docket
What the Dismissal Means
Because the dismissal was with prejudice, EML Payments USA cannot refile the same claims against BillGO. Neither side disclosed whether money changed hands or what other terms may have accompanied the resolution.
An Earlier Contract Case Against BillGO
This was not the first contract action BillGO faced in the District of Kansas. In 2019, Speedpay, Inc. sued BillGO in the same court (case number 2:19-cv-20274), also as a contract action. Speedpay was Western Union’s U.S. domestic bill payment business at the time, though Western Union completed the sale of Speedpay to ACI Worldwide for roughly $750 million in May 2019.5CourtListener. Speedpay, Inc. v. BillGO, Inc., Docket6Western Union. Western Union Announces Completion of Sale of Speedpay US Domestic Bill Pay Business
The Speedpay case also ended by stipulated dismissal, filed on July 1, 2020, with a court order the next day. The specific claims and terms were not detailed in the publicly available docket. Available records do not establish a corporate link between Speedpay and EML Payments; ACI Worldwide, not EML, acquired Speedpay.5CourtListener. Speedpay, Inc. v. BillGO, Inc., Docket7ACI Worldwide. ACI Worldwide to Acquire Western Union’s Speedpay US Domestic Bill Pay Business
Complaints Separate From the Contract Litigation
Outside its court cases, BillGO has drawn complaints from businesses and nonprofits about its sales outreach. The Better Business Bureau lists 13 complaints against BillGO over the past three years, 11 of them closed in the most recent 12 months. The complaints focus on BillGO’s outbound calling program, which pitches organizations on switching from paper checks to digital payments.8BBB. BillGO, Inc. BBB Complaints
Complainants have alleged that BillGO representatives falsely claimed payments or donations were pending and could be accessed only by enrolling in the company’s digital service, that employees without financial authority were pressured into signing up, and that healthcare providers were concerned about patient-confidentiality issues raised during outreach calls. BillGO has responded that it is a legitimate payments company working with financial institutions to digitize check-based payments, that participation is optional, and that it honors do-not-contact requests.8BBB. BillGO, Inc. BBB Complaints