Jan 12, 2014, 9:38 am
Last edit by: ChrisFlyer66
This is the thread for posts through 2016. The new thread for 2017 is http://www.flyertalk.com/forum/manufactured-spending/1826119-billpay-walmart-2017-a.html
Bill Pay cannot be done at a regular register.
It must be done at Customer Service/Returns.
Or at the Money Center in stores that have it.
BUSINESS DAY transaction completion time is 18:59:59 EST
--------------------------------------------------------------
WM offers two BP services: CheckFreePAY and MoneyGram. The cashier can initiate CheckFreePAY by selecting Money Services followed by Bill Pay on the register for a fee of $1-1.88. Moneygram is $4.99.
Once your CFP account is set up, you can add cc. When you want to BP give them your phone# to look up your account under Money Services. They often get confused and think you want MG, but just say it is under Money Services.
ONLY 4 successful debit card swipes can pay for a transaction.
ONLY 5 payments per 16 digit account number per rolling 30 days.
--------------------------------------------
:-:VISA and MC
If your particular card isn't on the list below, try "VISA" or "MASTERCARD."
"VISA" and "MASTERCARD" payee can no longer be found by search at some stores. If the employee can no longer find "VISA" or "MASTERCARD" by searching in CheckFreePAY, then you cannot pay either, end of story.
Following do not work:
$1.88 next day.
$1.88 next day.
:-:Issuing Bank
Discover - Use for all Discover network cards
$1.50 next day, $1.00 three days.
American Express AMEX cards(SPG, BC, BCE, BCP, etc) cannot be paid through CheckFreePAY. Some AMEX cards issued by other banks can be paid.
AMEX cards(SPG, BC, BCE, BCP, etc) can be paid using MoneyGram for $4.99
Barclay Listed under barclay - need biller zip - $1.50 next day, $1.00 three days
Bank of America Consumer Loans - Use for BoA-issued and FIA-issued cards; will not work for BofA Small Business cards.
$1.50 next day, $1.00 three days. (Will require a ZIP but apparently yours will work as well as theirs, which is 19886)[INDENT]Works:
$1.50 next day.
$1.50 next day, $1.00 three days.
$1.50 next day, $1.00 three days.
For money order questions, check the following threads and their wiki posts:
Bill Pay cannot be done at a regular register.
It must be done at Customer Service/Returns.
Or at the Money Center in stores that have it.
BUSINESS DAY transaction completion time is 18:59:59 EST
Friday after 06:59PM EST, until Monday BEFORE 07:00PM EST arrives Tuesday
Tuesday BEFORE 7:00PM arrives Wednesday
Wednesday BEFORE 07:00PM arrives Thursday
Thursday BEFORE 07:00PM arrives Friday
Friday BEFORE 07:00PM arrives Monday
But when a next-day payment will post and be visible depends upon the CC issuer.Tuesday BEFORE 7:00PM arrives Wednesday
Wednesday BEFORE 07:00PM arrives Thursday
Thursday BEFORE 07:00PM arrives Friday
Friday BEFORE 07:00PM arrives Monday
--------------------------------------------------------------
WM offers two BP services: CheckFreePAY and MoneyGram. The cashier can initiate CheckFreePAY by selecting Money Services followed by Bill Pay on the register for a fee of $1-1.88. Moneygram is $4.99.
Once your CFP account is set up, you can add cc. When you want to BP give them your phone# to look up your account under Money Services. They often get confused and think you want MG, but just say it is under Money Services.
ONLY 4 successful debit card swipes can pay for a transaction.
ONLY 5 payments per 16 digit account number per rolling 30 days.
--------------------------------------------
:-:VISA and MC
If your particular card isn't on the list below, try "VISA" or "MASTERCARD."
"VISA" and "MASTERCARD" payee can no longer be found by search at some stores. If the employee can no longer find "VISA" or "MASTERCARD" by searching in CheckFreePAY, then you cannot pay either, end of story.
Following do not work:
Any and all Vanilla VISA, Vanilla MC, and OneVanilla VISA.
Glimcher VISA
MASTERCARDGlimcher VISA
$1.88 next day.
Works:
VISABank of America Cash Rewards Business MC
Barclay (Arrival, US Airways) MC - Posts at 11PM EST, credit available 1AM EST
Chase Business Ink Bold MC
Citi AAdvantage (Platinum Select, Executive, Business) MC - Posts at 3AM EST (+1 day)
Citi ThankYou Preferred MC
CitiBusiness Platinum Select MC
Does not work:Barclay (Arrival, US Airways) MC - Posts at 11PM EST, credit available 1AM EST
Chase Business Ink Bold MC
Citi AAdvantage (Platinum Select, Executive, Business) MC - Posts at 3AM EST (+1 day)
Citi ThankYou Preferred MC
CitiBusiness Platinum Select MC
Barclay Business US Airways MC - NOT PAYABLE - tried 2x
$1.88 next day.
Works:
----------------------------------------------------------------------------------------Barclay Priceline VS
Chase (Amazon, Freedom, Sapphire Preferred, United, Slate) VS - Posts at 10PM EST
Chase Business Ink Bold VS
Citi (AAdvantage, Dividend, ThankYou Preferred) VS
FIA Fidelity VS
PNC CashBuilder VS
US Bank (Cash+, Club Carlson, Flexperks) VS
Wells Fargo Cashback VS
Does not work:Chase (Amazon, Freedom, Sapphire Preferred, United, Slate) VS - Posts at 10PM EST
Chase Business Ink Bold VS
Citi (AAdvantage, Dividend, ThankYou Preferred) VS
FIA Fidelity VS
PNC CashBuilder VS
US Bank (Cash+, Club Carlson, Flexperks) VS
Wells Fargo Cashback VS
TD Bank VS - [Source]
:-:Issuing Bank
Discover - Use for all Discover network cards
$1.50 next day, $1.00 three days.
American Express AMEX cards(SPG, BC, BCE, BCP, etc) cannot be paid through CheckFreePAY. Some AMEX cards issued by other banks can be paid.
AMEX cards(SPG, BC, BCE, BCP, etc) can be paid using MoneyGram for $4.99
Barclay Listed under barclay - need biller zip - $1.50 next day, $1.00 three days
Bank of America Consumer Loans - Use for BoA-issued and FIA-issued cards; will not work for BofA Small Business cards.
$1.50 next day, $1.00 three days. (Will require a ZIP but apparently yours will work as well as theirs, which is 19886)[INDENT]Works:
FIA Fidelity VS & MC
BoA Alaska Airlines Visa
Does not work: Capital OneBoA Alaska Airlines Visa
$1.50 next day.
Personal and business CCs
Citibank American Express - Use for Citi-issued AMEX cards$1.50 next day, $1.00 three days.
Citi AAdvantage AMEX
PNC Bank - Use for PNC-issued Visa network cards$1.50 next day, $1.00 three days.
PNC CashBuilder VS
Warning: Some users have reported being shutdown for using bill pay services.For money order questions, check the following threads and their wiki posts:
Billpay at Walmart(2013-2016)
Apr 29, 2014, 11:46 am
#1502
Join Date: Feb 2013
Location: NYC
Programs: UA 1K, AA EP, Hyatt Diamond, SPG Platinum, M life Noir
Posts: 1,279
Apr 29, 2014, 12:10 pm
#1503
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Apr 29, 2014, 12:24 pm
#1504
Join Date: Feb 2013
Posts: 5
As far as I know, BB payments to CC use the same system (CheckFree BillPay) as WM BP... They show up on some of my CC statements exactly the same way
Apr 29, 2014, 1:23 pm
#1505
Join Date: Feb 2013
Location: NYC
Programs: UA 1K, AA EP, Hyatt Diamond, SPG Platinum, M life Noir
Posts: 1,279
It's no secret that the big banks are under increased scrutiny as a result of Dodd-Frank, the PATRIOT Act, etc., which have lead to "enhanced" KYC/AML procedures being rolled out. For example, Chase branches recently (March 31, 2014) instituted a policy that requires customers to present identification when making cash deposits. Starting in July, only account owners or authorized signers will be allowed to make cash deposits into personal accounts. Chase no longer delivers foreign currency directly to customer's homes. And I'm sure there's more to come.
I don't think it's a stretch of the imagination to deduce that multiple $800 (or whatever) bill payments coming from a third-party may raise some red flags at Chase. But if you don't believe that, by all means, go all out. I don't care.
Apr 29, 2014, 3:15 pm
#1506
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I'm not "spreading fear," I'm just giving people something to think about before they go too crazy with this method. People are reporting Chase account shut downs, and according to those same people, they suspect it has something to do with their WM BP activity. You don't think that information might be of interest to some people in this thread?
It's no secret that the big banks are under increased scrutiny as a result of Dodd-Frank, the PATRIOT Act, etc., which have lead to "enhanced" KYC/AML procedures being rolled out. For example, Chase branches recently (March 31, 2014) instituted a policy that requires customers to present identification when making cash deposits. Starting in July, only account owners or authorized signers will be allowed to make cash deposits into personal accounts. Chase no longer delivers foreign currency directly to customer's homes. And I'm sure there's more to come.
I don't think it's a stretch of the imagination to deduce that multiple $800 (or whatever) bill payments coming from a third-party may raise some red flags at Chase. But if you don't believe that, by all means, go all out. I don't care.
It's no secret that the big banks are under increased scrutiny as a result of Dodd-Frank, the PATRIOT Act, etc., which have lead to "enhanced" KYC/AML procedures being rolled out. For example, Chase branches recently (March 31, 2014) instituted a policy that requires customers to present identification when making cash deposits. Starting in July, only account owners or authorized signers will be allowed to make cash deposits into personal accounts. Chase no longer delivers foreign currency directly to customer's homes. And I'm sure there's more to come.
I don't think it's a stretch of the imagination to deduce that multiple $800 (or whatever) bill payments coming from a third-party may raise some red flags at Chase. But if you don't believe that, by all means, go all out. I don't care.
Apr 29, 2014, 3:29 pm
#1507
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
Apr 29, 2014, 8:24 pm
#1509
Join Date: Oct 2013
Posts: 252
Went today to do my first BP at Walmart. They said I couldn't just use VISA or Mastercard to do my CC payments. After further questions, I found out that they don't use the CheckFreePay system. I'm assuming that is the system that allows CC payments to VISA and Mastercard. They use the MoneyGram ExpressPayment Service. With that service, you need your CC code, which is specific to the credit card, and is supposed to be 4 digits. Anyone know where I can find that information for my Citi Dividend Mastercard and Citi Dividend VISA, and Fidelity AMEX? Or I'm out of luck? Living in PR is turning out to be a mistake for my MS needs.
Apr 29, 2014, 10:24 pm
#1510
Join Date: Nov 2013
Posts: 457
Deleted.
Last edited by MsArbi; Oct 30, 2014 at 12:12 am
Apr 29, 2014, 10:36 pm
#1511
Join Date: Nov 2013
Posts: 457
Deleted.
Last edited by MsArbi; Oct 30, 2014 at 12:12 am
Apr 30, 2014, 12:06 am
#1513
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,750
All of the reported Chase AA involve excessive MO deposits or excessive accumulation of rewards through MS. WM BP seems coincidental. It's possible that excessive BP could have drawn attention to an account which had excessive MS activity. There are no reports of any shutdowns of high volume legitimate spending accounts that were paid off using WM BP or any other external BP service. The examples you cite about cash deposits and foreign currency are mitigation measures to reduce the risk of failure to comply with AML but don't apply to external BP of CC accounts.
I think it's far fetched that Chase or any FI would consider third party BP services as a high risk for potential ML. They don't have visibility into the original source of funds behind a third party BP. So it is on the BP provider, or really the MSB offering the BP services, that has the primary burden of looking for potential ML.
I think it's far fetched that Chase or any FI would consider third party BP services as a high risk for potential ML. They don't have visibility into the original source of funds behind a third party BP. So it is on the BP provider, or really the MSB offering the BP services, that has the primary burden of looking for potential ML.
FYI, I know a person whose ST account was shut down last year, shortly after he made bill pays at WM and K-mart for consecutive months (and in large amount).
I think anyone doing BP is naive not to keep the risk factor in mind, especially those who pay multiple $1998 many times to the same card.
Unless the bank knows you as a person, and understand what you are doing, (in this case, MO deposits if understood, actually is far preferred), even so, they may still dont want to bear the burden of meeting compliance requirement which is very costly. Chase has been fined multiple Billions recently as a result for various failures in compliance over the past few years. Dodd-Frank and Patriot Act have put a lot of burden on the banks and it is little wonder irregular activities would make the banks fire the customers. Let's face it, the BP and MO deposits, are definitely not regular activities that an ordinary customer would engage, at least not to the degree folks are doing here.
Also FWIW, it usually takes big banks 3 to 6 months to take AA, just when you think the coast is clear. Big banks do not act fast. A few weeks ago I got a call from Chase questioning a January Wire In amount that was ACHed out the next day. And that is a regular occurrence for the past 2.5 years, has nothing to do with MS. The wired in amount is reported to the IRS, fully subj to income tax. We offered to bring full documentation of the regular wires to a branch manager if they specify a branch where we can go to provide the material. I did tell the Chase guy that if they dont like it or want to close the account, the bank needs to give ample advance notice because it is a PITA to set up the wire which is on standing instruction once set up. We have not heard back yet. May be the guy is satisfied, especially we informed him full documentation is available any time.
Last edited by Happy; Apr 30, 2014 at 12:13 am
Apr 30, 2014, 2:50 am
#1515
Join Date: Mar 2014
Location: Iowa
Posts: 44
Exactly. The original story always starts out innocently enough, but after a little probing it turns out they were pushing 6 figure MS every month with a 8k CL.. or something profoundly stupid like that.
Go read the Chase A/A thread on DDF. You'll quickly learn that shutdowns don't occur because of WM BP, per se. They mostly occur when you mix stupidity with greed.
Go read the Chase A/A thread on DDF. You'll quickly learn that shutdowns don't occur because of WM BP, per se. They mostly occur when you mix stupidity with greed.