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
#1906
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,929
Not sure why Evolve would configure the payment as Recurring in the first place, but recurring payment configuration fails to authorize against most Gift Cards.
#1907
Join Date: May 2014
Posts: 394
There is wording on Evolve site warning about not scheduling payments more than 2 days out if using gift card.
#1908
Join Date: Jul 2011
Location: West Coast
Programs: UA 1K 2MM, Hyatt Globalist, Hilton Diamond, Marriott Platinum
Posts: 264
Anyone have a solution to this?
#1910
Join Date: Nov 2013
Posts: 10
I just tried paying DirecTV and found out through multiple tries and a support case that I am no longer allowed to use a gift card to pay my bill. This essentially neuters the usage of Evolve Money.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
#1911
Join Date: Jan 2011
Programs: Starwood Platinum, Hyatt Diamond, Southwest Companion Pass
Posts: 92
I just tried paying DirecTV and found out through multiple tries and a support case that I am no longer allowed to use a gift card to pay my bill. This essentially neuters the usage of Evolve Money.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
#1913
Join Date: Feb 2013
Posts: 170
Utility bills changed from 2 days to Express
I have been paying utility bills for many months using Evolve money. Now I notice that some of my utility bills are automatically changed from 2 days to express. There is no 2 days- no fee option anymore.
I will delete the biller and avoid Evolve money if I am forced to pay $1.50.
It does not make sense to pay $1.50 to pay a $14 water reclamation bill. I will as well pay using bill pay from bank checking account
I will delete the biller and avoid Evolve money if I am forced to pay $1.50.
It does not make sense to pay $1.50 to pay a $14 water reclamation bill. I will as well pay using bill pay from bank checking account
#1914
Join Date: Feb 2011
Posts: 849
I tried paying a bill I've successfully paid before (utility bill) using the MetaBank VGC from Staples. I scheduled it to be paid the next day. Evolve sent me a message about the payment failure. When I look at the Visa GoWallet transaction history, the decline error code I see is "Recurring/Installment restriction".
Are the MetaBank VGC's now declining "recurring" billings?
Are the MetaBank VGC's now declining "recurring" billings?
I used the same gc from staples.
#1915
Join Date: Apr 2011
Location: MSP
Programs: DL, BA, AA
Posts: 270
I just tried paying DirecTV and found out through multiple tries and a support case that I am no longer allowed to use a gift card to pay my bill. This essentially neuters the usage of Evolve Money.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
In this thread I read Alex from Evolve Money stated that they are committed to using Gift Cards and Prepaid Cards for bill payment.
Where's the support? What's the point of these changes other than to drive people away.
Upgrade my a$$. This was a big downgrade for customers.
I'll be looking elsewhere.
#1916
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,064
Well, there are some uses for Evolve even if the biller accepts a credit card payment without a fee. For example, if you're buying VGC at a store with a category bonus you can come out ahead versus paying a biller by credit card directly at 1x.
#1917
Join Date: Apr 2011
Location: MSP
Programs: DL, BA, AA
Posts: 270
#1918
Join Date: Jul 2013
Posts: 1,036
But if you have an ink card aren't you getting 5x?