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
#2686
Join Date: Mar 2014
Posts: 108
#2687
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
^ Yep, also useful for making minimum spend on a new cc. Pay utilities, phone or internet, etc in advance. I've never yet had the payee not credit my account for my over payment, nor has anyone objected. I guess they like getting the float when I pay in advance.
#2688
Join Date: Aug 2014
Location: NoVa
Posts: 29
Has anyone split payment between ReLoadits and Debit? I used a ReLoadit last night to pay $500 on a mortgage and want to pay the balance (under 500) with a debit card but it's telling me I have exceeded my number of debit payments for this month.
I have sent a note to support but haven't heard anything back just yet.
Since ReLoadits are hard to come by for me, I'd prefer to ration their use.
I have sent a note to support but haven't heard anything back just yet.
Since ReLoadits are hard to come by for me, I'd prefer to ration their use.
#2689
Join Date: Feb 2014
Posts: 25
just created a new payment acct with evolve and went to make a payment. got this message:
Your payment to this Account cannot be completed at this time. You may have exceeded the total number of payments to this account for this month. You should be able to make additional payments next month. (e736)
does evolve have a new policy about new accts? today is jan 3 (saturday). i have never made an evolve payment with this email address nor this acct #
Your payment to this Account cannot be completed at this time. You may have exceeded the total number of payments to this account for this month. You should be able to make additional payments next month. (e736)
does evolve have a new policy about new accts? today is jan 3 (saturday). i have never made an evolve payment with this email address nor this acct #
Last edited by mft; Jan 3, 2015 at 3:50 pm
#2690
Join Date: Mar 2014
Posts: 279
Has anyone split payment between ReLoadits and Debit? I used a ReLoadit last night to pay $500 on a mortgage and want to pay the balance (under 500) with a debit card but it's telling me I have exceeded my number of debit payments for this month.
I have sent a note to support but haven't heard anything back just yet.
Since ReLoadits are hard to come by for me, I'd prefer to ration their use.
I have sent a note to support but haven't heard anything back just yet.
Since ReLoadits are hard to come by for me, I'd prefer to ration their use.
It's one payment per month per account. No matter the amount whether it be $1 or the maximum $999
#2692
Join Date: May 2014
Posts: 103
It's one debit payment a month. You can make multiple payments via reloadits, as long as you have'nt made a debit one already. In the past I have been able to make a debit payment after making reloadit payments. But last month I couldn't. I received the same message as OP. I think this is another new change from evolve .
#2693
Join Date: May 2014
Posts: 103
just created a new payment acct with evolve and went to make a payment. got this message:
Your payment to this Account cannot be completed at this time. You may have exceeded the total number of payments to this account for this month. You should be able to make additional payments next month. (e736)
does evolve have a new policy about new accts? today is jan 3 (saturday). i have never made an evolve payment with this email address nor this acct #
Your payment to this Account cannot be completed at this time. You may have exceeded the total number of payments to this account for this month. You should be able to make additional payments next month. (e736)
does evolve have a new policy about new accts? today is jan 3 (saturday). i have never made an evolve payment with this email address nor this acct #
#2694
Join Date: Feb 2014
Posts: 25
using debit. or at least trying to. after i entered the payment amount and tried to hit "next" (or whatever the button is), it immediately gives the error message.
#2697
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
#2698
Join Date: May 2014
Posts: 103
#2699
Join Date: May 2003
Location: N/A
Posts: 403
Any time frame on when they will support Visa and MasterCard credit? They say they have plans on supporting them in 2015.
#2700
Join Date: Aug 2013
Posts: 1,207
It's one debit payment a month. You can make multiple payments via reloadits, as long as you have'nt made a debit one already. In the past I have been able to make a debit payment after making reloadit payments. But last month I couldn't. I received the same message as OP. I think this is another new change from evolve .