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In the latest effort to streamline online bill payments, Sun Microsystems and Netscape Communications are rolling out software for three of the nation’s top 10 banks to create a single place for customers to receive and pay bills online. Under the new service, dubbed Spectrum, consumers wanting to do away with check-writing will eventually be spared the tedious process of visiting each merchant’s Web site individually to see details of their bills. Currently, if they want to pay them online, they also might need to set up a credit card or checking account authorization at each particular Web site. The consortium, formed in June by New York-based Chase Manhattan Corp.; First Union Corp. of Charlotte, N.C.; and San Francisco-based Wells Fargo, will use the software from Sun and Netscape, a division of America Online Inc.