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 30, 2014, 7:17 am
#1967
Join Date: Aug 2013
Posts: 415
Has anyone had success adding a biller to Evolve? Do they inform you when they do this? I submitted my second biller for consideration yesterday. The first one was a school that direct debits my account, so I had little expectation they'd add it and they never got back to me, but this one is a life insurance company. Just wanted to know if they let you know if/when they add it. Thanks!
Last edited by ttlmmky; Jul 30, 2014 at 7:37 am
Jul 30, 2014, 7:38 am
#1968
Join Date: May 2014
Posts: 201
Has anyone had success adding a biller to Evolve? Do they inform you when they do this? I submitted my second biller for consideration yesterday. The first one was a school that direct debits my account, so I had little expectation they'd add it and they never got back to me, but this one is a life insurance company. Just wanted to know if they let you know if/when they add it. Thanks!
Jul 30, 2014, 7:41 am
#1969
Join Date: Mar 2013
Posts: 195
Had something weird happen to me today...
Submitted a $999 payment using Evolve.
Got an email from TD that the transaction was declined, but it's pending on TD site, and still pending on Evolve.
I haven't gone over my $2k per 7 days
Any idea?
Submitted a $999 payment using Evolve.
Got an email from TD that the transaction was declined, but it's pending on TD site, and still pending on Evolve.
I haven't gone over my $2k per 7 days
Any idea?
Jul 30, 2014, 8:19 am
#1970
Join Date: Jun 2014
Posts: 48
I do no think the representative is correct. I pointed out T&C "only be allowed to make four (4) payments to the same Biller account number per calendar month" to him but he still insisted on what he said.
Besides, I am reading T&C and can't find where it says "cash payment is not counted against the 4-payment limit" or so. Anyone is able to confirm it?
Jul 30, 2014, 9:16 am
#1972
Join Date: Mar 2009
Posts: 2,295
Made one $500 payment from Evolve to my Citimortgage very late on Friday, July 25 and another $500 payment on Monday, July 28. I went into a branch to pay the remaining amount of the mortgage payment on Monday, July 28.
The payment on the 25th posted on Tuesday, July 29, and the July 28th payment posted on Wednesday, July 30 (both around 10 a.m.).
Originally, these payments were posted as "additional funds received" but not applied to anything (principal, interest, etc.). A day or two later, the payments were applied as principal payments.
I called Citi on Wednesday, July 30, after the final payment posted and the total mortgage payment was "received" on the account. The CSR said she would combine the payments to make up the August 1 payment and the payment would be completed on Saturday, August 2. I logged back in shortly after the call and the changes had already been made and the August payment is considered made!
The payment on the 25th posted on Tuesday, July 29, and the July 28th payment posted on Wednesday, July 30 (both around 10 a.m.).
Originally, these payments were posted as "additional funds received" but not applied to anything (principal, interest, etc.). A day or two later, the payments were applied as principal payments.
I called Citi on Wednesday, July 30, after the final payment posted and the total mortgage payment was "received" on the account. The CSR said she would combine the payments to make up the August 1 payment and the payment would be completed on Saturday, August 2. I logged back in shortly after the call and the changes had already been made and the August payment is considered made!
Jul 30, 2014, 9:40 am
#1973
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
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.
I just got a decline on a GC... the new screen is confusing (yoooooo hooooo.... Alex... can you make it more user friendly???). I'll try again when my funds reappear on my card. Uggghhh.. this is managment and labor intensive!
Jul 30, 2014, 10:19 am
#1974
Join Date: Jan 2005
Posts: 492
I got this Recurring/Installment restriction declined as well, could I know which party I should call to resolve? evolve or the gc representitive? thanks!
Jul 30, 2014, 11:36 am
#1976
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Jul 30, 2014, 2:37 pm
#1977
Join Date: Feb 2009
Location: San Diego
Programs: UA 1K MM, SPG Plat, HH Dia
Posts: 96
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.
Jul 30, 2014, 3:06 pm
#1978
Join Date: Jan 2011
Posts: 45
Paying my own checking account.....
How do I go about paying into my own bank / checking account.
I have a mortgage with a bank, the bank automatically pulls money out of my checking account to pay for the mortgage every month.
I ONLY use this account to pay the mortgage.
Is there a way to use Evolve to send funds to the banks (my account) checking account (to ultimately pay off the mortgage payment)?
Here was my thought::::
1) buy VGC from staples
2) using Evolve pay my mortgage with these vgc (debit cards)
My mortgage is greater then what I can buy VGC for ($200 per VGC * 4 times per month per biller = $800 total).
So I thought I'd just add the $800 to my checking account and make sure there is enough money in there to pay off the rest of the mortgage.
I hope this makes sense --
I have a mortgage with a bank, the bank automatically pulls money out of my checking account to pay for the mortgage every month.
I ONLY use this account to pay the mortgage.
Is there a way to use Evolve to send funds to the banks (my account) checking account (to ultimately pay off the mortgage payment)?
Here was my thought::::
1) buy VGC from staples
2) using Evolve pay my mortgage with these vgc (debit cards)
My mortgage is greater then what I can buy VGC for ($200 per VGC * 4 times per month per biller = $800 total).
So I thought I'd just add the $800 to my checking account and make sure there is enough money in there to pay off the rest of the mortgage.
I hope this makes sense --