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
#2056
Join Date: Jul 2014
Posts: 88
made a payment to my car loan on July 31st with a metabank gift card and chose the earliest day possible (August 4th). checked my car loan balance today and it showed payment was posted on August 1st.
EDIT: Also, I don't see any Express Pay options on the mobile app, the earliest pay date is always 2 days from today.
EDIT: Also, I don't see any Express Pay options on the mobile app, the earliest pay date is always 2 days from today.
#2057
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
made a payment to my car loan on July 31st with a metabank gift card and chose the earliest day possible (August 4th). checked my car loan balance today and it showed payment was posted on August 1st.
EDIT: Also, I don't see any Express Pay options on the mobile app, the earliest pay date is always 2 days from today.
EDIT: Also, I don't see any Express Pay options on the mobile app, the earliest pay date is always 2 days from today.
#2058
Join Date: Apr 2012
Posts: 147
I don't know if it's mentioned, but it looks like the bug only exists with the biller with the lightning symbol or with the express pay available.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
#2059
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
I don't know if it's mentioned, but it looks like the bug only exists with the biller with the lightning symbol or with the express pay available.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
#2060
Join Date: Jun 2005
Location: DFW/DAL
Programs: AA 1MM Gold, Marriott Gold, Hilton Diamond, Hyatt Discoverist
Posts: 1,524
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!
#2061
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
I don't know if it's mentioned, but it looks like the bug only exists with the biller with the lightning symbol or with the express pay available.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
I have no problem paying my student loan which doesn't have the lightning symbol and the earliest date to choose is 2-3 days after.
My PSEG with the lightning symbol has today's date available for express pay and payment fails if I choose one day later.
So it looks like for the express pay enabled biller waits until the day of the payment to charge whereas they charge immediately for the biller without the express pay.
#2062
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
I haven't used evolve before. I would like to make some payments via evolve and I am not sure which gift cards to buy that can be loaded to evolve and I'd hate to make a mistake. I was thinking of getting a $500 visa gift card (the kind with the picture of the ribbon on the front). Do onevanilla cards work as well?
#2064
Join Date: Jul 2014
Posts: 88
I haven't used evolve before. I would like to make some payments via evolve and I am not sure which gift cards to buy that can be loaded to evolve and I'd hate to make a mistake. I was thinking of getting a $500 visa gift card (the kind with the picture of the ribbon on the front). Do onevanilla cards work as well?
#2065
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
I haven't used evolve before. I would like to make some payments via evolve and I am not sure which gift cards to buy that can be loaded to evolve and I'd hate to make a mistake. I was thinking of getting a $500 visa gift card (the kind with the picture of the ribbon on the front). Do onevanilla cards work as well?
#2066
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
Thanks, I will check the visa gift card to see if it says Metabank. I noticed that other posters talked about OneVanilla debit as well and I see a bunch of those at CVS.
#2067
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
Upon checking the cards again they are all issued by bancorp and I don't see debit mentioned it just says vanilla visa gift card, one vanilla prepaid visa card and vanilla MasterCard gift card. All can be loaded up to 500
Last edited by Red259; Aug 5, 2014 at 6:44 pm
#2068
Join Date: Jul 2014
Location: NYC
Programs: SPG, Hyatt, HH, MR, Emirates
Posts: 48