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, 3:21 pm
#2011
Join Date: Feb 2014
Posts: 825
No need for evolve.
Jul 31, 2014, 4:40 pm
#2012
Join Date: Jul 2014
Location: NYC
Programs: SPG, Hyatt, HH, MR, Emirates
Posts: 48
I've been using Evolve over the past few months with OVs and they work fine. I've read the wiki and it mentioned the card must say debit, but at the beginning of this thread it seems other GCs were working. Do retailer GCs stop working? I have a few- received as gifts-and would like to liquidate them.
Thanks
Thanks
Jul 31, 2014, 6:51 pm
#2014
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
I have Long Term Care insurance from Genworth. LTC isn't cheap stuff, and I pay a fairly hefty bill once yearly for both my wife and myself. I never have found a way to use a credit card to pay Genworth. (This year I wrote a Bluebird check - that was the best I could think of.) But lo and behold, Genworth LTC insurance is a payee on Evolve.
Jul 31, 2014, 9:21 pm
#2015
Join Date: Feb 2005
Location: So Cal
Programs: UA Gold/0.744MM, WN AL, Hyatt Diamond, MR Scum, Hertz PC, National Exec, Avis PC
Posts: 5,561
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.
Aug 1, 2014, 9:00 am
#2016
Join Date: Jul 2010
Location: 718
Programs: Hyatt Globalist, Hilton Diamond, Marriott Platinum, IHG Diamond
Posts: 967
What the heck happened with EM? It was just fine last week!? And now my VGC payments are being declined. I am CONFUSED with the new interface. I DON'T Want to schedule payments?!!?!?! So I rescheduled my bill to be charged on 8/1 (Today) and it shows up on the GCM site and wiped out the $200 (says pending) but it is followed up with a row saying it is Declined? So does this mean my $ is locked for a few days after this cleared or will it go through? Man.... had a feeling EM was tgtbt =(
Aug 1, 2014, 9:08 am
#2017
Join Date: Aug 2011
Posts: 361
I hope this helps. If you are trying to pay a bill that is now a combined express/nonexpress bill with a gift card then you'll have to click through the due dates and fin one that says you will be charged on <today>:
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
Aug 1, 2014, 9:16 am
#2018
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
I hope this helps. If you are trying to pay a bill that is now a combined express/nonexpress bill with a gift card then you'll have to click through the due dates and fin one that says you will be charged on <today>:
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
Aug 1, 2014, 9:53 am
#2020
Join Date: Nov 2012
Posts: 595
I've been having issues using OVG this week. Here's the recent email I received from EM:
A Note About Scheduled Payments
Last week we rolled out Evolve Money's new scheduling feature which allows you to select the date you would like your payments delivered.
Some of you may have encountered difficulties scheduling and making payments last weekend. There is an issue that does not allow a user to pay a non-Express bill over a weekend without scheduling it. However, certain cards cannot be used for scheduling - primarily gift cards and some prepaid debit cards. Therefore, you may have had an issue making a payment with a gift or prepaid card due to this situation. We expect the bug to be resolved by Friday and should not be problem again this weekend.
Unfortunately, gift and certain prepaid cards (typically one-time use prepaid cards) cannot be used for scheduled payments due to circumstances beyond our control. The decision to allow scheduled payments is made by the bank that issues your gift or prepaid card.
However, you CAN use gift and prepaid cards to pay your bills as long as they are charged the same day. You can confirm the charge date below the date selection box (see image below).
A Note About Scheduled Payments
Last week we rolled out Evolve Money's new scheduling feature which allows you to select the date you would like your payments delivered.
Some of you may have encountered difficulties scheduling and making payments last weekend. There is an issue that does not allow a user to pay a non-Express bill over a weekend without scheduling it. However, certain cards cannot be used for scheduling - primarily gift cards and some prepaid debit cards. Therefore, you may have had an issue making a payment with a gift or prepaid card due to this situation. We expect the bug to be resolved by Friday and should not be problem again this weekend.
Unfortunately, gift and certain prepaid cards (typically one-time use prepaid cards) cannot be used for scheduled payments due to circumstances beyond our control. The decision to allow scheduled payments is made by the bank that issues your gift or prepaid card.
However, you CAN use gift and prepaid cards to pay your bills as long as they are charged the same day. You can confirm the charge date below the date selection box (see image below).
Aug 1, 2014, 10:18 am
#2021
Join Date: Aug 2013
Posts: 415
I hope this helps. If you are trying to pay a bill that is now a combined express/nonexpress bill with a gift card then you'll have to click through the due dates and fin one that says you will be charged on <today>:
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
Aug 1, 2014, 10:21 am
#2023
Join Date: Aug 2013
Posts: 415
Quite honestly, their update helps non-MS customers who use their bank funded debit cards for billpay and now can schedule their payments in advance. It messes with prepaid cards so it makes things confusing for us. We'll get by
Aug 1, 2014, 10:23 am
#2024
Join Date: Dec 2004
Posts: 7,904
What the heck happened with EM? It was just fine last week!? And now my VGC payments are being declined. I am CONFUSED with the new interface. I DON'T Want to schedule payments?!!?!?! So I rescheduled my bill to be charged on 8/1 (Today) and it shows up on the GCM site and wiped out the $200 (says pending) but it is followed up with a row saying it is Declined? So does this mean my $ is locked for a few days after this cleared or will it go through? Man.... had a feeling EM was tgtbt =(
Gift cards will decline your charge if you try to schedule the payment a few days in advance. Evolve doesn't control this. There's also a warning about it when you try to make a payment, "Gift cards and one time use pre-paid debit cards cannot be used to make payments more than 1-2 business days in advance. If attempted, the bank that issues the card may decline your payment."
Aug 1, 2014, 11:11 am
#2025
Join Date: May 2014
Posts: 394
I hope this helps. If you are trying to pay a bill that is now a combined express/nonexpress bill with a gift card then you'll have to click through the due dates and fin one that says you will be charged on <today>:
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
I am trying to pay a utility bill and I have the same problem that if I select today (8/1) as my due date then I have to pay the express fee of $1.50, but I get charged today.
I clicked due date of tomorrow (8/2) and it says I will be charged on 8/2, but I assume it'll get rejected since I'm using a Staples rebate card.
I clicked through the dates and when I select due date of 8/5, it says I will be charged today (8/1). I paid my bill with the 8/5 due date and the prepaid balance website says Evolve charged my card today!
Thanks for the post