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
#586
Join Date: Nov 2013
Location: DC/NOVA
Programs: AA Gold, SPG Gold, HHonors Gold
Posts: 192
Similar situation with my Chase mortgage - trying the same thing this weekend with two accounts over two days. Will report back.
#588
Join Date: May 2013
Posts: 747
#589
Join Date: Feb 2004
Location: TX
Posts: 756
Has anyone successfully been able to pay Cigna? I made a few payments on 2/11 and the payment has not been posted. I've escalated with cigna and evolve, but the $ hasn't been located on cigna's side. As it's been too long, I will just see about getting evolve to refund the $$. way too much hassle.
#590
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Has anyone successfully been able to pay Cigna? I made a few payments on 2/11 and the payment has not been posted. I've escalated with cigna and evolve, but the $ hasn't been located on cigna's side. As it's been too long, I will just see about getting evolve to refund the $$. way too much hassle.
#591
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Has anyone successfully been able to pay Cigna? I made a few payments on 2/11 and the payment has not been posted. I've escalated with cigna and evolve, but the $ hasn't been located on cigna's side. As it's been too long, I will just see about getting evolve to refund the $$. way too much hassle.
#592
Join Date: Sep 2011
Posts: 187
Will report back on whether it was a principal payment or automatically applied as monthly payment.
#595
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
Bill submission failed:
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
#596
Join Date: Oct 2012
Location: DFW
Posts: 478
Bill submission failed:
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
#597
Join Date: Jun 2004
Programs: AA Gold
Posts: 190
Bill submission failed:
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
My payment was failed. However, my VGC was still charged. Do you know how long will Evolve send back money to my VGC? Do I need to call them? My payment was failed on March 19. Today, I still see 0$ in my VGC.
I really dont know why it is failed but Evolve still charged my VGC
It took me five business days for the hold to be released in the Evolve Money case. You may call VGC to confirm the actual length for the release.
#598
Join Date: Feb 2013
Posts: 170
What is the benefit of paying mortgage using prepaid debit card through Evolve money instead of available option using BB paper check?
If you use Grocery prepaid card then the net benefit is 6% cash back minus 1.25% annual fee minus 1.19% prepaid card fee= 3.56%
If you use VR through BB paper check then you get net 4.21%.
Unless people want to use prepaid card in addition to BB limit then it is a different story.
If you use Grocery prepaid card then the net benefit is 6% cash back minus 1.25% annual fee minus 1.19% prepaid card fee= 3.56%
If you use VR through BB paper check then you get net 4.21%.
Unless people want to use prepaid card in addition to BB limit then it is a different story.
#599
Join Date: Sep 2006
Location: SNA
Programs: AA-Gold, HH - Gold, SPG - Gold
Posts: 31
What is the benefit of paying mortgage using prepaid debit card through Evolve money instead of available option using BB paper check?
If you use Grocery prepaid card then the net benefit is 6% cash back minus 1.25% annual fee minus 1.19% prepaid card fee= 3.56%
If you use VR through BB paper check then you get net 4.21%.
Unless people want to use prepaid card in addition to BB limit then it is a different story.
If you use Grocery prepaid card then the net benefit is 6% cash back minus 1.25% annual fee minus 1.19% prepaid card fee= 3.56%
If you use VR through BB paper check then you get net 4.21%.
Unless people want to use prepaid card in addition to BB limit then it is a different story.
#600
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
It is not an actual charge, but why I see 0$ in my gift card. Do you know why? Will I lose the money?