This year was notable for the introduction of changes to the Housing Code, allowing for the transition to direct contracts between utility providers and consumers. Now, people can receive utility services from various suppliers: heat, gas, and power companies; water companies; and regional operators for handling household waste, which all have different charging schemes, seasonality of delivery, billing and payment standards, and systems of calculating and granting discounts. The volume of payments for utility services is huge, so a reliable, stable payment system for utilities, ensuring guaranteed delivery of payments from consumers to suppliers, is the key factor for the sustainable operation of all housing and utilities services. Against this background, the debate on the role of the Unified Information and Payment Centre in the system of settlements and interaction with consumers of housing and utilities services has once again become relevant. Should the Unified Information and Payment Centre become an obligatory part of the market for providing housing and utilities services? Which requirements/standards should they meet, and how may they guarantee protection against improper use of the funds paid by consumers and ensure transparency for consumers and service providers? Could the Unified Information and Payment Centre become an innovative driver in housing and utilities services and take the customer service system to a qualitatively new level, when digital technologies become part of our lives? Electronic services, digital management technologies, smart metering, blockchain, and smart contracts are these just pretty words, or the real future of housing and utilities services?