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 31, 2014, 8:23 am
#1996
Join Date: Dec 2011
Posts: 253
So essentially it means a $1.50 per bill additional charge to MS. I guess that works out for Evolve, and maybe is still do-able on larger bills, such as partial mortgage payments. It will be cost prohibitive and pretty much eliminate the use of gc's as MS for smaller payments, though.
Interesting experience: I scheduled two GC-based payments to my mortgage lender over the weekend. The first one, scheduled for Monday got rejected for the recurring payment reason. The second one was scheduled for today and it went through without a problem. Both were Metabank VGCs.
Jul 31, 2014, 8:50 am
#1997
Join Date: May 2014
Posts: 394
Here is my observation. I had been able to pay my insurance with USAA until the recent change for free. Now however there is a lightening bolt next to the USAA tag in my bills listing. Before I had the choice to add as express or non express. Now it is combined and defaults to express. Trying to schedule for next day charge to debit fails. My other bills still work fine.
Last edited by givingitatry; Jul 31, 2014 at 8:56 am
Jul 31, 2014, 9:45 am
#1998
Join Date: Oct 2013
Location: Arizona
Programs: Hyatt Diamond, Southwest CP, SPG Gold, Hilton Gold, Club Carlson Gold
Posts: 93
I had scheduled two payments yesterday of $200 with visa metabank GC. One for APS (power) that was supposed to go through today but didnt because of a "problem with my card". The other payment was a mortgage payment scheduled for the 1st that is still pending using the same type of GC. Not sure why the first one failed, Ive paid that merchant with the same type of gift card a couple times before.
Jul 31, 2014, 11:36 am
#1999
Join Date: Jul 2014
Posts: 92
I didn't have to call in, they reattempted my payments automatically and it appears that they have now gone through.
From what I can see, as long as I don't try to make the payments on weekend days, they have all gone through without a hitch!
I'll keep using them, as long as they work! One payment did go through with teh express charge and I didn't select that option. It was a small utility bill, so that one will just continue to be paid as it was previously. On the other hand, one utility charges 5-6.00 to make a CC payment, so I am pleased to be able to pay through evolve, especially since I have anywhere from 1-3 accounts open with that utility, depending on whether my building is rented or not!
From what I can see, as long as I don't try to make the payments on weekend days, they have all gone through without a hitch!
I'll keep using them, as long as they work! One payment did go through with teh express charge and I didn't select that option. It was a small utility bill, so that one will just continue to be paid as it was previously. On the other hand, one utility charges 5-6.00 to make a CC payment, so I am pleased to be able to pay through evolve, especially since I have anywhere from 1-3 accounts open with that utility, depending on whether my building is rented or not!
Jul 31, 2014, 11:44 am
#2000
Join Date: Jun 2014
Location: GSO
Posts: 58
Here is my observation. I had been able to pay my insurance with USAA until the recent change for free. Now however there is a lightening bolt next to the USAA tag in my bills listing. Before I had the choice to add as express or non express. Now it is combined and defaults to express. Trying to schedule for next day charge to debit fails. My other bills still work fine.
Yeah, I noticed that too. USAA was the first bill I tried to pay with Evolve a couple of months ago. I did an express payment, just to see if it worked and it did. Now, however, my wife's USAA payment only gives the express option. USAA is the only biller I have noticed this problem for so far.
Jul 31, 2014, 12:33 pm
#2002
Join Date: May 2014
Posts: 394
Because I get 6% back buying the debit card from grocery store vs 1% back from USAA. That 5% difference allows me to buy 5 other debit cards with my miles earning cards basically for free.
Jul 31, 2014, 12:34 pm
#2003
Join Date: Apr 2014
Posts: 8
I made a payment yesterday and I received an email says my account(for the biller) is closed because I made payments through multiple users.
It was true I did make payments through multiple users, but that was 3 months ago, after I aware of they don't like it I stopped it. It is interesting that what is the trigger to let them run some program to find out I did that several months ago.
Anyway, I feel this MS method will be dead soon as they are implementing more and more restrictions...
It was true I did make payments through multiple users, but that was 3 months ago, after I aware of they don't like it I stopped it. It is interesting that what is the trigger to let them run some program to find out I did that several months ago.
Anyway, I feel this MS method will be dead soon as they are implementing more and more restrictions...
Jul 31, 2014, 12:52 pm
#2004
Join Date: May 2005
Location: DFW
Programs: AA Plat
Posts: 271
You can still buy the debit card from the grocery store and use the debit card directly on USAA thus bypassing Evolve.
Jul 31, 2014, 1:22 pm
#2006
Join Date: Dec 2011
Posts: 375
I made a payment yesterday and I received an email says my account(for the biller) is closed because I made payments through multiple users.
It was true I did make payments through multiple users, but that was 3 months ago, after I aware of they don't like it I stopped it. It is interesting that what is the trigger to let them run some program to find out I did that several months ago.
Anyway, I feel this MS method will be dead soon as they are implementing more and more restrictions...
It was true I did make payments through multiple users, but that was 3 months ago, after I aware of they don't like it I stopped it. It is interesting that what is the trigger to let them run some program to find out I did that several months ago.
Anyway, I feel this MS method will be dead soon as they are implementing more and more restrictions...
EDIT: Wanted to add that I stayed within the maximum of 4 payments.
Last edited by xiKiNGix; Jul 31, 2014 at 1:34 pm
Jul 31, 2014, 2:43 pm
#2008
Join Date: Sep 2006
Location: Teaneck, NJ
Programs: SPG Gold, HHonors Gold, IHG Platinum, Marriott Silver
Posts: 699
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