Spritz allows to pay bills, make ACH transfer to your own bank account and it also has a virtual Visa debit/prepaid card. I have used it only to send money to my bank account; haven't tried the bill pay service. The fee is ~3%. If you use bill pay, it's .5% more expensive, so maybe it's a good idea to send the money to your bank account and pay from there instead.

It has light KYC: they ask for name, address, e-mail and telephone number, but they don't ask for documents or video call. They don't send any tax report AFAIK.

You can pay directly from your wallet to the on-chain address they provide. They don't support lightning network.