11. Online, Quicken lists those checks only by number, not by payee . 12. NPCI routes transaction to the payee 's bank based on the MMID. 13. A payee can examine each previous transaction to verify the chain of ownership. 14. The company also provides services to people with pooled trusts and representative payees . 15. The payee still has a responsibility to pay taxes for the total amount. 16. Of the 130 families who have hit the limit, 3 have protective payees . 17. Most representative payees are family members or friends. 18. The acceptance of a payment by the payee extinguishes a debt or other obligation. 19. Stripe then transfers the funds directly into the bank account linked to the payee . 20. Still, as many as 10 million federal payees don't have bank accounts.