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 22, 2014, 6:41 pm
#1591
Join Date: May 2014
Posts: 103
Possible evolve 4 payment workaround?
I just registered for a reloadit safe and noticed they have a billpay feature. When I clicked on it, it said “powered by ‘pre-cash.’” As we all know, evolve is a division of Pre-cash. I checked the list of payees and sure enough it is the same as that found on evolve. They also have a 1k per day limit, but charge between .50-1.50 per payment.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Jun 22, 2014, 7:08 pm
#1592
Join Date: Jul 2013
Posts: 1,036
I just registered for a reloadit safe and noticed they have a billpay feature. When I clicked on it, it said “powered by ‘pre-cash.’” As we all know, evolve is a division of Pre-cash. I checked the list of payees and sure enough it is the same as that found on evolve. They also have a 1k per day limit, but charge between .50-1.50 per payment.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Jun 22, 2014, 7:58 pm
#1594
Join Date: Jul 2013
Posts: 222
I just registered for a reloadit safe and noticed they have a billpay feature. When I clicked on it, it said “powered by ‘pre-cash.’” As we all know, evolve is a division of Pre-cash. I checked the list of payees and sure enough it is the same as that found on evolve. They also have a 1k per day limit, but charge between .50-1.50 per payment.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Jun 22, 2014, 8:07 pm
#1596
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
I don't get it. If you use Reloadits on Evolve, you can do more than 4 payments. Sames as reloadit safe. If you have reloadits then you are fine, if not, don't think the safe will do anything.
Jun 22, 2014, 8:12 pm
#1597
Join Date: Jul 2013
Posts: 222
Jun 22, 2014, 8:12 pm
#1598
Join Date: Sep 2012
Posts: 4,431
Who has made more than 4 payments this month using Reloadits?
Jun 22, 2014, 8:16 pm
#1599
Join Date: Jul 2013
Posts: 222
Jun 22, 2014, 9:07 pm
#1601
Join Date: May 2014
Posts: 103
You are right that you can make more than four payments by using reloadits on evolve. But that is only if you did not already make 4 debit payments. Once you've made 4 debits the account is locked. Anyone in that situation might want to avail him/her self to using the safe. It is also possible that evolve would count those made through the safe. I'm just throwing out the possibility that it would work.
Jun 22, 2014, 9:10 pm
#1602
Join Date: May 2014
Posts: 103
I don't think you are quoting accurately. he had already made 4 debit payments and thought, based on frequent miler that he could use reloadits. But once you have made 4 the account is locked. If you have made less than 4 debit charges, you can continue paying that payee, as long as you use cash or reloadits. I have successfully done this.
Jun 23, 2014, 1:57 am
#1603
Join Date: Feb 2014
Posts: 314
Are you guys having a good supply of reloadits with cc ?
I just registered for a reloadit safe and noticed they have a billpay feature. When I clicked on it, it said “powered by ‘pre-cash.’” As we all know, evolve is a division of Pre-cash. I checked the list of payees and sure enough it is the same as that found on evolve. They also have a 1k per day limit, but charge between .50-1.50 per payment.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Possibly those who already made 4 payments can try making one with a reloadit safe? It is also possible that the 4 payment limit will include this service. But anyone who needs to make a payment before 7/1 might want to try this.
Jun 23, 2014, 11:20 am
#1605
Join Date: May 2014
Location: SoCal
Posts: 2,164