Originally Posted by supremeflyer

I'd be interested in what it shows up for the other user. Merchant Category as N/A probably/most definitely doesn't qualify for online. I tried sending a Paypal payment and it showed up as the same merchant category.

I do not see how Kroger Pay would qualify as online unless you can double dip (you said it shows up at grocery on Citi's website).

Is yours a recurring online offer? Mine was a one time spend $750 so it was easy to prepay bills I had with no fees.

If yours is recurring, why not try regular gift cards before you take a hit on fees? Target gift cards? Kroger gift cards on their website? Costco giftcards on their website? Pay stuff for your parents and have them give you 95% of the amount back in cash?