A method, system and apparatus for bill payment over a PSTN. The method can include processing a call in the PSTN to establish a telephonic connection between a caller and a call center configured to process bill payments. The method further can include resolving an identity for the caller separate from the established telephonic connection. The identity can be routed to the call center over a data communications link unrelated to the telephonic connection. Finally, a bill payment process can be managed for the caller within the call center based upon the routed identity. Preferably, the resolving step can include querying a LIDB through a name resolution adapter disposed in the PSTN for identifying information for the caller. Further more, the processing step can include performing the resolving step responsive to receiving an SS7 message in an SCP to set up the telephonic connection between the caller and the call center.