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
Jul 21, 2014, 9:10 am
#1861
Suspended
Join Date: Jun 2011
Posts: 639
Jul 21, 2014, 9:16 am
#1862
Join Date: May 2014
Posts: 201
I appealed and they seem to have lifted the block, though I'll have to test it later.
Jul 21, 2014, 1:48 pm
#1864
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Maybe we can get Evolve to give the error message "Read the wiki."
Jul 22, 2014, 8:15 am
#1866
Join Date: May 2012
Posts: 157
i recently got a bestbuy cc, it doesn't say visa/mc on it....so i am guessing its a "store" card? It is issued by citi though...
can i pay that bestbuy cc with evolve? i am going to try myself if i don't get any response, but would appreciate any data points
can i pay that bestbuy cc with evolve? i am going to try myself if i don't get any response, but would appreciate any data points
Jul 22, 2014, 9:35 am
#1867
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Make sure it's the CC though and not the BB rewards card.
Jul 22, 2014, 10:29 am
#1869
Join Date: Mar 2014
Location: DFW, TX
Programs: AA Gold, Avios, UA, DL, SPG, Hyatt, Hilton, Rapid Rewards
Posts: 28
Is the BB promo good for the store card also? 10% back in points?
Last edited by pointsaholic; Jul 22, 2014 at 10:34 am
Jul 22, 2014, 11:09 am
#1872
Join Date: May 2012
Posts: 157
thanks for the input! i wanted to earn around $300 in bestbuy rewards for a bose qc15, but now i am not sure
hoping to keep the rewards alive until the end of the year so that i could buy "something" during the holiday season 
Jul 23, 2014, 6:06 am
#1874
Join Date: Oct 2010
Posts: 3
updated terms:
Bill Payment Transaction Limits
By using the Service, you agree to adhere to the transaction limits set by us in our sole discretion from time to time. You will i) only be allowed to pay up to $1,000.00 in bill payments in a calendar day; ii) only be allowed to make four (4) payments to the same Biller account number per calendar month; iii) not be permitted to make payments more than $10,000 per calendar month in aggregate; and iv) not create or use multiple Accounts in an effort to circumvent our set transaction limits. A calendar day is defined as Midnight to Midnight PST. These limits apply in aggregate and we reserve the right to suspend or close any Account or Accounts we believe have violated and/or attempted to violate our limits. Moreover, if we believe that you have violated this provision or any other provision contained within this Agreement we reserve the right not to deliver any bill payments you have submitted which have not yet been processed by us.
Bill Payment Transaction Limits
By using the Service, you agree to adhere to the transaction limits set by us in our sole discretion from time to time. You will i) only be allowed to pay up to $1,000.00 in bill payments in a calendar day; ii) only be allowed to make four (4) payments to the same Biller account number per calendar month; iii) not be permitted to make payments more than $10,000 per calendar month in aggregate; and iv) not create or use multiple Accounts in an effort to circumvent our set transaction limits. A calendar day is defined as Midnight to Midnight PST. These limits apply in aggregate and we reserve the right to suspend or close any Account or Accounts we believe have violated and/or attempted to violate our limits. Moreover, if we believe that you have violated this provision or any other provision contained within this Agreement we reserve the right not to deliver any bill payments you have submitted which have not yet been processed by us.
Jul 23, 2014, 8:14 am
#1875
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047