HOW DO I geo to iCloud to pay a bill

If you mean use Apple Pay on your Mac, see:

the Mac section of Set up Apple Pay - Apple Support

and

the "Pay on the web in Safari" section of Using Apple Pay in stores, within apps, and on the web - Apple Support

Note that you can only pay on sites that have a "Buy with Apple Pay" or "Apple Pay" button.

I have not I MAC. All of my bill payment is I bought iTunes give card 10$. That all of my buying activity.