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 26, 2014, 8:31 am
#1921
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
But why not just use the VGC on the DTV site? Why involve Evolve?
Jul 26, 2014, 8:57 am
#1923
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,063
Doh. I hadn't had my morning coffee before I made that post. Yeah, there is no point in adding another layer of indirection other than perhaps not having to go in to every website and change payment information every month. Evolve seems pretty painless when you add a new debit card.
Jul 26, 2014, 9:13 am
#1924
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
Jul 26, 2014, 5:05 pm
#1927
Join Date: May 2014
Posts: 201
Hmm... Evolve has gotten very confusing lately. Tried scheduling 2 payments today to be paid next Wednesday (this first day they allow me to). It won't let me schedule the second payment, saying I already have a payment scheduled for the same date and same amount.
On top of that it now gives the warning that gift cards cannot be scheduled more than 1-2 days out or the issuer may deny. But I don't have a choice - EM forces me to schedule it 1-2 days out. Does that message mean from the time I schedule the payment? Or the time that the card is charged (which I have no control over).
Strange. I had to schedule two separate $500 payments to land on separate days. It lets me continue to schedule another payment even though I've hit the $1k mark, but I'm not going to try it, lest I get hit with the recurring payment error everyone is getting. I just hope I don't get another $500 hold on the cards I put in so far.
Cross my fingers and we'll see.
On top of that it now gives the warning that gift cards cannot be scheduled more than 1-2 days out or the issuer may deny. But I don't have a choice - EM forces me to schedule it 1-2 days out. Does that message mean from the time I schedule the payment? Or the time that the card is charged (which I have no control over).
Strange. I had to schedule two separate $500 payments to land on separate days. It lets me continue to schedule another payment even though I've hit the $1k mark, but I'm not going to try it, lest I get hit with the recurring payment error everyone is getting. I just hope I don't get another $500 hold on the cards I put in so far.
Cross my fingers and we'll see.
Jul 26, 2014, 6:34 pm
#1928
Join Date: Feb 2013
Posts: 170
Evolve has gotten very confusing lately. Tried scheduling 2 payments today to be paid next Wednesday (this first day they allow me to). It won't let me schedule the second payment, saying I already have a payment scheduled for the same date and same amount.
On top of that it now gives the warning that gift cards cannot be scheduled more than 1-2 days out or the issuer may deny. But I don't have a choice - EM forces me to schedule it 1-2 days out.
Cross my fingers and we'll see.
On top of that it now gives the warning that gift cards cannot be scheduled more than 1-2 days out or the issuer may deny. But I don't have a choice - EM forces me to schedule it 1-2 days out.
Cross my fingers and we'll see.
I did not make payment today- Saturday- due to Monday being two days away and that VGC may decline a future payment as recurring payment.
I will have to try on Monday early morning. If it shows Monday itself as charge date before bank opens, I think it will reduce chances of decline
Jul 28, 2014, 7:03 am
#1929
Join Date: Nov 2013
Posts: 10
Of course a lot of people could go to other vendor's individual sites and pay their bills with a CC. But when someone comes along and creates a one-stop shop for 90% of your bills and it works flawlessly for months you start to depend on it. Heck you might even recommend it to your friends and relatives. Then they might start using it and recommend it to their friends. Pretty soon you have a lot of people using a great product.
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!
Jul 28, 2014, 7:31 am
#1930
Join Date: May 2014
Posts: 201
Evolve Money appears to be discouraging payments over weekend. One the first screen, it gives a VGC charge date- today being Saturday- It shows Monday as VGC charge date and on second screen it shows Wed as pay date to the bank.
I did not make payment today- Saturday- due to Monday being two days away and that VGC may decline a future payment as recurring payment.
I will have to try on Monday early morning. If it shows Monday itself as charge date before bank opens, I think it will reduce chances of decline
I did not make payment today- Saturday- due to Monday being two days away and that VGC may decline a future payment as recurring payment.
I will have to try on Monday early morning. If it shows Monday itself as charge date before bank opens, I think it will reduce chances of decline
So I cancelled the other payment I scheduled, and this morning, submitted a fresh new bill payment to be paid asap (aka Wednesday) and will be charged today. So far it's still in pending, but hopefully that one goes through ok. I'm hoping it was a weekend scheduling issue as Nishant1 alluded to. I won't submit any more payments until this one goes through. I'll update when I find out.
Jul 28, 2014, 7:37 am
#1932
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
This weekend, I tried paying the Gas Company using a VISA debit card (gift card) from GCM. I know that the card had a sufficient balance to make this payment. But it FAILED.
Jul 28, 2014, 7:38 am
#1933
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
Of course a lot of people could go to other vendor's individual sites and pay their bills with a CC. But when someone comes along and creates a one-stop shop for 90% of your bills and it works flawlessly for months you start to depend on it. Heck you might even recommend it to your friends and relatives. Then they might start using it and recommend it to their friends. Pretty soon you have a lot of people using a great product.
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!
Different strokes.
Jul 28, 2014, 7:42 am
#1934
Join Date: Jul 2014
Posts: 286
So the payment I scheduled on Saturday for this Wednesday to be charged today failed this morning without any description of the problem. I don't have the card on me to check, but I assume they've placed another hold on the money, which took 8 days to fall off last time. Ugh.
So I cancelled the other payment I scheduled, and this morning, submitted a fresh new bill payment to be paid asap (aka Wednesday) and will be charged today. So far it's still in pending, but hopefully that one goes through ok. I'm hoping it was a weekend scheduling issue as Nishant1 alluded to. I won't submit any more payments until this one goes through. I'll update when I find out.
So I cancelled the other payment I scheduled, and this morning, submitted a fresh new bill payment to be paid asap (aka Wednesday) and will be charged today. So far it's still in pending, but hopefully that one goes through ok. I'm hoping it was a weekend scheduling issue as Nishant1 alluded to. I won't submit any more payments until this one goes through. I'll update when I find out.
Jul 28, 2014, 7:55 am
#1935
Join Date: Dec 2004
Posts: 7,904
Of course a lot of people could go to other vendor's individual sites and pay their bills with a CC. But when someone comes along and creates a one-stop shop for 90% of your bills and it works flawlessly for months you start to depend on it. Heck you might even recommend it to your friends and relatives. Then they might start using it and recommend it to their friends. Pretty soon you have a lot of people using a great product.
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!
Then the service changes and its no longer the one stop shop. You can't pay all of the bills you once could and the design of the site leads to a lot of confusion. People are losing interest and they stop recommending the service and some might even stop using the service.
Again, AlexAtEvolveMoney indicated they are committed to providing a way to pay your bills with a Gift Card and they have failed on that commitment. Everyone makes mistakes. Its time for EM to take the necessary steps to correct what's wrong and gain customer interest again.
To anyone who is out there from Evolve Money please fix your site so we can pay the bills we once did.
Thank you!