Apr 9, 2014, 10:37 pm
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
May 21, 2015, 11:31 pm
#3001
Join Date: Dec 2013
Posts: 3,507
May 24, 2015, 5:05 am
#3004
Join Date: Oct 2005
Posts: 51
Yes CitiMortgage will take multiple payments AFTER the 15th of the month assuming your payment date is the 1st of the month. They will put the partial funds in suspense until the full amount of your payment is received and then apply payment when all are there. I have done partials when Evolve was fee free, but sadly no more.
May 24, 2015, 10:44 am
#3005
Join Date: Dec 2013
Posts: 3,507
Yes CitiMortgage will take multiple payments AFTER the 15th of the month assuming your payment date is the 1st of the month. They will put the partial funds in suspense until the full amount of your payment is received and then apply payment when all are there. I have done partials when Evolve was fee free, but sadly no more.
May 30, 2015, 2:24 pm
#3007
Join Date: Oct 2012
Location: DFW
Posts: 478
Thanks. Yes my payment date is the 1st of every month. I was going to try to pay via Rlits so that was why I was curious. Also is there a 1 Rlit payment per day rule or can you make 2 Rlit payments per day spaced out between a few hours? I would like to minimize the gap in days between mortgage payments.
Jun 1, 2015, 4:43 pm
#3008
Join Date: Mar 2014
Posts: 279
Most recent email. Explains my errors i guess
An Important Message About Paying
with Credit and Debit Cards
Dear Evolve Money Customer,
In an effort to increase security measures, we have made a change to Evolve Money that affects certain credit or debit cards that you have used to fund your bill payments. This change was made due to the fact that the address you provided us for your card does not match the address the issuing bank has on file for the card.
The next time you login to Evolve Money, you will no longer see the affected card(s) available for use. You will need to add these cards again with accurate address information for future use, or use a different card. If accurate address information is not provided, you will not be able to add the card.
Some gift cards may no longer be supported.
If you have any questions, please contact Customer Support at [email protected]. As always, thanks for your continued support of Evolve Money.
The Evolve Money team
An Important Message About Paying
with Credit and Debit Cards
Dear Evolve Money Customer,
In an effort to increase security measures, we have made a change to Evolve Money that affects certain credit or debit cards that you have used to fund your bill payments. This change was made due to the fact that the address you provided us for your card does not match the address the issuing bank has on file for the card.
The next time you login to Evolve Money, you will no longer see the affected card(s) available for use. You will need to add these cards again with accurate address information for future use, or use a different card. If accurate address information is not provided, you will not be able to add the card.
Some gift cards may no longer be supported.
If you have any questions, please contact Customer Support at [email protected]. As always, thanks for your continued support of Evolve Money.
The Evolve Money team
Jun 2, 2015, 7:25 am
#3011
Join Date: Mar 2014
Posts: 279
Jun 5, 2015, 12:45 pm
#3012
Join Date: Oct 2009
Location: SFO
Posts: 515
gift cards still supported?
Most recent email. Explains my errors i guess
An Important Message About Paying
with Credit and Debit Cards
Dear Evolve Money Customer,
In an effort to increase security measures, we have made a change to Evolve Money that affects certain credit or debit cards that you have used to fund your bill payments. This change was made due to the fact that the address you provided us for your card does not match the address the issuing bank has on file for the card.
The next time you login to Evolve Money, you will no longer see the affected card(s) available for use. You will need to add these cards again with accurate address information for future use, or use a different card. If accurate address information is not provided, you will not be able to add the card.
Some gift cards may no longer be supported.
If you have any questions, please contact Customer Support at [email protected]. As always, thanks for your continued support of Evolve Money.
The Evolve Money team
An Important Message About Paying
with Credit and Debit Cards
Dear Evolve Money Customer,
In an effort to increase security measures, we have made a change to Evolve Money that affects certain credit or debit cards that you have used to fund your bill payments. This change was made due to the fact that the address you provided us for your card does not match the address the issuing bank has on file for the card.
The next time you login to Evolve Money, you will no longer see the affected card(s) available for use. You will need to add these cards again with accurate address information for future use, or use a different card. If accurate address information is not provided, you will not be able to add the card.
Some gift cards may no longer be supported.
If you have any questions, please contact Customer Support at [email protected]. As always, thanks for your continued support of Evolve Money.
The Evolve Money team
Jun 5, 2015, 3:19 pm
#3013
Join Date: Sep 2008
Location: Houston, TX
Programs: UA Platinum, Hilton Diamond, Marriott Gold
Posts: 149
I got an email today from Evolve saying that Discover cards are "no longer supported" and that "for my convenience" they have deleted the stored card from my account.
I haven't used Evolve in ages, but I'm even less likely to do so now.
I haven't used Evolve in ages, but I'm even less likely to do so now.
Jun 5, 2015, 10:03 pm
#3014
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Just in time for the double cash back promo....
Jun 5, 2015, 10:05 pm
#3015
Join Date: Dec 2013
Location: WI
Posts: 181
Lol, every time we think they couldn't possibly become any more useless, they find a way.