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
Jun 20, 2014, 10:58 am
#1562
Join Date: Jul 2013
Posts: 1,036
You don't need to pay the mortgage using Bluebird, it's pointless. You just trade one bill for another. I still don't get the logic of these posts. Obviously you can't use Evolve to pay cc so mortgage is a good bet there.
Jun 20, 2014, 11:18 am
#1563
Join Date: Jul 2013
Posts: 121
Jun 20, 2014, 1:41 pm
#1565
Join Date: Dec 2007
Location: Providence, RI
Programs: AAEXP, BASlv, UAGold, Hyatt Diam, IHG Plt, SPG Plt, HH Diam, MR Plat, CC Gold, Nat ExecElite
Posts: 440
Jun 20, 2014, 4:05 pm
#1569
Join Date: Nov 2011
Posts: 1,944
Doesn't it depend on circumstances? When I could easily buy VR, loading BB at home and then paying the mortgage was very easy, and certainly easier than paying evolve is now with the various limits. Not near a Walmart so doing BP there wasn't easy (and anyway would cost more). So why is it pointless?
Jun 20, 2014, 5:56 pm
#1570
Join Date: Jan 2005
Posts: 492
BoA spazzes out initially when tey get multiple payments. Applying it every which way but the right way. Luckily a simple phone call resolves everything. CS is able to apply payments anywhich way you wish.
I read a few pages back where someone was able to submit payments from multple Evolve accounts over the weekend somthey were all credited at te exact same time when the banks opened back up for business Mon/Tues. The payments (which totalled) the amount due credited as a regualr mmonthly payment without incident. That wasnt BoA of course nor is there anyway of knowing if someone didnt manually fix it on the back end either. But tat was the report so take it for what its worth to ya.
I read a few pages back where someone was able to submit payments from multple Evolve accounts over the weekend somthey were all credited at te exact same time when the banks opened back up for business Mon/Tues. The payments (which totalled) the amount due credited as a regualr mmonthly payment without incident. That wasnt BoA of course nor is there anyway of knowing if someone didnt manually fix it on the back end either. But tat was the report so take it for what its worth to ya.
Have another issue here, I would like to take advantage of the weekend on 6/28-6/29 to make a combined payment to my BOA mortgage, any chance that it will be treated as July payment (after I call on 6/30 which is the next Monday)? (I already paid June part, and the reason I need to do it this weekend instead a later one in July is that I need to meet certain spending limit by 6/30)
Jun 20, 2014, 6:19 pm
#1571
Join Date: Jul 2013
Posts: 1,036
Doesn't it depend on circumstances? When I could easily buy VR, loading BB at home and then paying the mortgage was very easy, and certainly easier than paying evolve is now with the various limits. Not near a Walmart so doing BP there wasn't easy (and anyway would cost more). So why is it pointless?
Jun 20, 2014, 7:45 pm
#1572
Join Date: Feb 2004
Location: Seattle
Programs: United 1P, Alaska MVPG 75K, Hyatt Daimond
Posts: 428
Chargesmarts, its other "competitor" really sucks and cost a lot
Jun 21, 2014, 6:17 am
#1573
Join Date: May 2014
Posts: 201
Why on earth would Evolve WANT to "earn" the business of a customer segment that is largely all about trying to get over on every vendor, supplier, and company they deal with? On the whole, MS'ers would happily engage in practices that would put Evolve out business in a month if they thought they could wring an extra frequent-flyer mlle out of the system doing so.
Jun 21, 2014, 3:31 pm
#1574
Join Date: May 2014
Posts: 109
Ha ha....everyone knows its a loss making business to allow people to pay bills with gift cards for free. That is why companies are not eager to jump in to compete.
Jun 22, 2014, 10:51 am
#1575
Join Date: Jan 2014
Location: CHS
Programs: United 1K, Globalist Hyatt, Plat Marriott
Posts: 289
I put a debit card payment in through my OVC card on friday, but i reached the max amount of transactions. My OVC now has a hold on the $500 - any idea how long until the hold gets released? Do I need to call anyone?