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 29, 2014, 7:11 am
#1953
Join Date: May 2014
Posts: 201
I put in two payments yesterday morning that are still marked as pending. On the receipts page they look like any other successful payment. Crossing my fingers here.
Jul 29, 2014, 7:45 am
#1954
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
You just have to try it, let it hang, force reload the page, re-enter your info, and submit. Works for me every time.
EDIT: OK - not every time. I'm burning these up with 8 day holds. Maybe something is up.
EDIT: OK - not every time. I'm burning these up with 8 day holds. Maybe something is up.
Last edited by josephstern; Jul 29, 2014 at 8:39 am
Jul 29, 2014, 7:52 am
#1955
Join Date: Oct 2005
Posts: 51
The following payment(s) cannot be made because there was a problem with your card
Nickname Amount Fee Delivery Date
PSEG Home $163.08 $.00 07/31/2014
Used a Metabank Go wallet VGC $200, submitted yesterday for regular delivery.
Update: Just spoke to CSR, they said to resubmit and you MUST select a delivery date of 1 or 2 days from when you submit (not after which is what I interpreted). Transaction was cancelled and nothing charged to card. Resubmitting so fingers crossed here again!
Nickname Amount Fee Delivery Date
PSEG Home $163.08 $.00 07/31/2014
Used a Metabank Go wallet VGC $200, submitted yesterday for regular delivery.
Update: Just spoke to CSR, they said to resubmit and you MUST select a delivery date of 1 or 2 days from when you submit (not after which is what I interpreted). Transaction was cancelled and nothing charged to card. Resubmitting so fingers crossed here again!
Last edited by yenner; Jul 29, 2014 at 7:57 am Reason: update
Jul 29, 2014, 8:38 am
#1956
Join Date: Jan 2005
Posts: 492
I got the failed payment as well and the gowallet web showed the denial due to recurring installent. I did pick the earlies available date, just one day from when I submit the payment, but the system still process as "to be charged on day later" instead of charge now. Any other workaround?
Jul 29, 2014, 9:31 am
#1957
Join Date: Feb 2012
Posts: 29
So does this screw over those of us who were paying our mortgage payments through Evolve?
We had to time it so multiple payments were submitted on Friday/Saturday so all would arrive on Monday at the same time and they would be applied to the monthly payment instead of individually to principal.
This Friday is August 1st so we need an answer from Evolve as to whether this is going to work or not.
We had to time it so multiple payments were submitted on Friday/Saturday so all would arrive on Monday at the same time and they would be applied to the monthly payment instead of individually to principal.
This Friday is August 1st so we need an answer from Evolve as to whether this is going to work or not.
Jul 29, 2014, 10:07 am
#1958
Join Date: Nov 2006
Location: Left Coast
Programs: UA 1K & 1MM, HH Diamond, Marriott/SPG Gold (UA comp)
Posts: 1,354
So does this screw over those of us who were paying our mortgage payments through Evolve?
We had to time it so multiple payments were submitted on Friday/Saturday so all would arrive on Monday at the same time and they would be applied to the monthly payment instead of individually to principal.
This Friday is August 1st so we need an answer from Evolve as to whether this is going to work or not.
We had to time it so multiple payments were submitted on Friday/Saturday so all would arrive on Monday at the same time and they would be applied to the monthly payment instead of individually to principal.
This Friday is August 1st so we need an answer from Evolve as to whether this is going to work or not.
I cancelled the other pending payments that would have me waking up tomorrow and the next, trying to time it like maulermark, above. Now I try to re-enter the payments, as I am within 2 days of my desired pay date, and it says I already have a payment scheduled for that day. What a royal PITA. This site is really FUBAR now. Not worth the hassle at all with $200 VGCs and trying to time it all just right. I'm going to Walmart for some money orders.
Evolvemoney.com, you blew it!
Jul 29, 2014, 12:39 pm
#1959
Join Date: Dec 2004
Posts: 7,904
Since EVOLVE reads this thread:
Why are you complicating the interface? When making a payment, let the user choose:
<x> Pay as soon as possible
< > Scheduled payment
By default, just pay it and don't bother anyone with the dates. That's how it used to work and 90% of your users will want that. If someone wants a scheduled payment, they can pick your new option and deal with dates.
I guess there might be a third button for "Express Payment" too.
Thanks!!!
Why are you complicating the interface? When making a payment, let the user choose:
<x> Pay as soon as possible
< > Scheduled payment
By default, just pay it and don't bother anyone with the dates. That's how it used to work and 90% of your users will want that. If someone wants a scheduled payment, they can pick your new option and deal with dates.
I guess there might be a third button for "Express Payment" too.
Thanks!!!
Jul 29, 2014, 2:02 pm
#1960
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Since EVOLVE reads this thread:
Why are you complicating the interface? When making a payment, let the user choose:
<x> Pay as soon as possible
< > Scheduled payment
By default, just pay it and don't bother anyone with the dates. That's how it used to work and 90% of your users will want that. If someone wants a scheduled payment, they can pick your new option and deal with dates.
I guess there might be a third button for "Express Payment" too.
Thanks!!!
Why are you complicating the interface? When making a payment, let the user choose:
<x> Pay as soon as possible
< > Scheduled payment
By default, just pay it and don't bother anyone with the dates. That's how it used to work and 90% of your users will want that. If someone wants a scheduled payment, they can pick your new option and deal with dates.
I guess there might be a third button for "Express Payment" too.
Thanks!!!
Jul 30, 2014, 5:39 am
#1965
Join Date: Jun 2012
Posts: 298
Just got another denial with a gift card. It appears to me at this time that gift cards will not work more than one day in advance. So I guess if you do want to use a gift card you will have to pay the $1.50 fee for each transaction to post immediately.
NOT DEAD. Just got off the phone with an evolve supervisor. Just make sure she said when you click on a date from the menu that your gift card is being charged that day. Any future payments that require the gift card to be charged at a later date will fail.
NOT DEAD. Just got off the phone with an evolve supervisor. Just make sure she said when you click on a date from the menu that your gift card is being charged that day. Any future payments that require the gift card to be charged at a later date will fail.
Last edited by EWRfflyer; Jul 30, 2014 at 7:26 am Reason: added info