Last edit by: sechs
Please read the wiki before posting a question.
2/25/2015 - Single payment limit raised to $2999 when using credit or debit cards. Maximum payments per calendar month per individual biller account raised from 1 to 4.
2/18/2015 - Beginning next week, certain debit cards from smaller banks, as well as prepaid debit cards and gift cards will be subject to a 3 percent Bill Pay Fee on each payment.
Evolve now accepts Discover, Visa and Mastercard credit cards with 3% fee.
Debit Cards Not Charged the 3% Fee:
Transaction Limits:
http://www.evolvemoney.com/transaction-limits/
Daily dollar limits include:
Individual bill pay dollar limits include:
Monthly payment limits include:
The limits are based on charge date, not payment date.
There are currently no credit cards that can be paid via Evolve.
Tips for Using Evolve
Mortgages Section
Let us know if payments auto apply to principal or if you have to call
Bank of America: After making 4 payments over the weekend you MUST call (or use online banking messaging) to allocate funds to the regular payment - by default it goes to principal.
Central Mortgage: Appears to go to additional principal payment. YMMV
Chase: Payments with JPMorgan have to fall within a ~5-day window in order for them to be unallocated, otherwise they go to principal. Your window depends on the billing date (usually the 1st of the month). If so, the window is until the 5th, so using Evolve, you have to allow for the payment to post and have it post between ~the 1st and the 5th. PITA
Citi: Made two payments near the end of the month and these were originally "unapplied" and labeled as "additional funds received". A day or two afterwards they moved to principal payments. A quick call to Citi had the payments moved from principal to make up my monthly mortgage payment.
Nationstar Mortgage: Payment applied as an "Additional principal payment" if you sent before the 1st of the month. If you pay after the first, the payment is held until you submit the full payment amount, and then the whole thing is applied to your monthly payment.
PNC: Partial payments will be held aside until payment in full is made. They will send a letter.
Provident Funding: Does not accept partial payments. After month's mortgage is paid, accepts Evolve a additional principal payments.
US Bank: Made 4 payments in June; after a couple of days, payments moved from principal payment to applying to monthly payment w/o a call
Wells Fargo: Two $500 payments day 1, One $500 payment day 2 going over the actual mortgage payment amount due. The payment automatically combined itself to pay the exact amount due once the Third hit. Any amount that was overpaid subsequently went towards principal. Nice to not have to send in the Exact amount, if you don't mind paying some extra principal.
"If you have any problems with gift cards please send us an email at support [at] evolvemoney.com" [Source: AlexAtEvolveMoney]
2/25/2015 - Single payment limit raised to $2999 when using credit or debit cards. Maximum payments per calendar month per individual biller account raised from 1 to 4.
2/18/2015 - Beginning next week, certain debit cards from smaller banks, as well as prepaid debit cards and gift cards will be subject to a 3 percent Bill Pay Fee on each payment.
Evolve now accepts Discover, Visa and Mastercard credit cards with 3% fee.
Debit Cards Not Charged the 3% Fee:
- Insert here
- US Bank (but not prepaid)
Transaction Limits:
http://www.evolvemoney.com/transaction-limits/
Daily dollar limits include:
- $2,999.00 in payments funded by a debit card and/or credit card
- $999.00 in payments funded by a cash load pack
Individual bill pay dollar limits include:
- $2999.00 for a single bill funded by a debit card and/or credit card
- $999.00 for a single bill funded by a cash load pack
Monthly payment limits include:
- 4 payments per month using a credit or debit card within the dollar limits listed above.
- Unlimited number of payments per month using a cash load pack within the dollar limits listed above.
- Maximum of $10,000 total payments per month for credit, debit, and cash load packs combined.
The limits are based on charge date, not payment date.
There are currently no credit cards that can be paid via Evolve.
Tips for Using Evolve
- No need to register your debit card
- If your transaction does not go through, you will have to wait for the authorization to fall off your card
- Using multiple Evolve accounts paying the same biller may lead to your biller being permanently blocked
- If using GCs with the new scheduling feature, it is important to schedule in such a way that it says your card will be charged today (not on a future date) to prevent a decline; and if you want to avoid the Express Pay fee this also means typically scheduling a few days out (click each date to find one without the fee but still charges your card today).
Mortgages Section
Let us know if payments auto apply to principal or if you have to call
Bank of America: After making 4 payments over the weekend you MUST call (or use online banking messaging) to allocate funds to the regular payment - by default it goes to principal.
Central Mortgage: Appears to go to additional principal payment. YMMV
Chase: Payments with JPMorgan have to fall within a ~5-day window in order for them to be unallocated, otherwise they go to principal. Your window depends on the billing date (usually the 1st of the month). If so, the window is until the 5th, so using Evolve, you have to allow for the payment to post and have it post between ~the 1st and the 5th. PITA
Citi: Made two payments near the end of the month and these were originally "unapplied" and labeled as "additional funds received". A day or two afterwards they moved to principal payments. A quick call to Citi had the payments moved from principal to make up my monthly mortgage payment.
Nationstar Mortgage: Payment applied as an "Additional principal payment" if you sent before the 1st of the month. If you pay after the first, the payment is held until you submit the full payment amount, and then the whole thing is applied to your monthly payment.
PNC: Partial payments will be held aside until payment in full is made. They will send a letter.
Provident Funding: Does not accept partial payments. After month's mortgage is paid, accepts Evolve a additional principal payments.
US Bank: Made 4 payments in June; after a couple of days, payments moved from principal payment to applying to monthly payment w/o a call
Wells Fargo: Two $500 payments day 1, One $500 payment day 2 going over the actual mortgage payment amount due. The payment automatically combined itself to pay the exact amount due once the Third hit. Any amount that was overpaid subsequently went towards principal. Nice to not have to send in the Exact amount, if you don't mind paying some extra principal.
"If you have any problems with gift cards please send us an email at support [at] evolvemoney.com" [Source: AlexAtEvolveMoney]
Evolve Money
#1486
Join Date: Jun 2013
Posts: 1,060
No idea, I think the fact that I used two accounts to pay them, yeah yeah dumb, is what is pissing them off - too bad, I lose!
#1488
Join Date: Jun 2013
Posts: 1,060
I am wondering if it is worth calling Chase and asking for a new mortgage number, or would that just piss off evolve more! My guess is walk away with head held LOW and be happy I am still in the game for - hopefully - new cool things to come....
#1489
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
It may be worth keeping your head low for right now. Who knows? Once they get this all settled out, they may fix it. I mean we all know that sometimes things happen between the scenes and the people in the call center are completely clueless about or have no control. Therefore, they can't help you (i.e. Amex GCs or Arrival's World Elite cards).
#1490
Join Date: Aug 2013
Posts: 160
Evolve just shut me down due to an error on their part. I was making my usual four payments to my car loan, when I accidentally made two transactions two close in time together, resulting in an error message stating that the payment hadn't gone through. Because that payment had failed, I made an additional one to pay the bill off.
Well, now I'm suspended from ever paying a bill to that account again -- because of a bug in THEIR system.
Well, now I'm suspended from ever paying a bill to that account again -- because of a bug in THEIR system.
#1493
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
#1495
Join Date: Nov 2013
Location: United States
Posts: 526
If you want to repeat the same payment amount again, wait 10 minutes between each payment.
I think evolve went about the changes the wrong way, but glad to see they are going to make it easier to pay mortgages going into the future.
#1496
Join Date: Aug 2013
Posts: 160
So contact support and ask them to unban that biller for you. To save yourself headache in the future, I'd recommend reading the wiki which is pretty short and clearly says:
It's also worth reading this post by FM which is quite good.
I think evolve went about the changes the wrong way, but glad to see they are going to make it easier to pay mortgages going into the future.
It's also worth reading this post by FM which is quite good.
I think evolve went about the changes the wrong way, but glad to see they are going to make it easier to pay mortgages going into the future.
#1497
Join Date: May 2014
Posts: 11
I have a Chase mortgage that's over $2,000 but under $2,500
If I sent $2,000 to Chase via evolve near the end of the billing cycle on a Friday/Saturday will Chase
A) Apply that to the principal because it's not a full payment?
B) Apply the $2,000 to the mortgage payment due and wait on the remainder?
If I sent $2,000 to Chase via evolve near the end of the billing cycle on a Friday/Saturday will Chase
A) Apply that to the principal because it's not a full payment?
B) Apply the $2,000 to the mortgage payment due and wait on the remainder?
#1498
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
I got the acct suspended for the month email yesterday. I had forgotten that I even did 4 payments this month. I was just trying to get rid of Mail-In-Rebate non-pinnable gift cards. The good thing though is that I had used 2 of them a couple of days before to pay a bill in person via credit cuz I assumed I could still use MasterCard for Evolve. Then was mad at myself for not hanging on to them after I realized I couldn't. So turns out it's a good thing I didn't have those extra cards b/c then I probably would have been banned forever.
#1499
Join Date: Dec 2010
Location: Long Beach
Programs: HHonors Diamond, Hyatt Diamond
Posts: 1,171
I think the timer prevents their average customer from accidently making a double payment, its a simple tech solution to eliminate the CSR have having to constantly field calls about paying twice and wanting a refund of one payment. CSR cost additional money so if you can use tech to eliminate an error all the better,
#1500
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871