Evolve Money

    Hide Wikipost
Old Nov 30, 15, 1:59 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: sechs
Wiki Link
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:
  • 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]
Print Wikipost

Old Mar 27, 14, 8:33 pm
  #631  
 
Join Date: Mar 2014
Posts: 1
I have used Evolve app for 3 months now.
I've made about 6 bill payments each month.. to a vast array of billers.
Comcast, Verizon, Tmobile (I switched carriers), Electric, Chase aut p loan, etc.
Every single payment has gone through successfully.. I was hesitant at first but after I made my first payment and saw it was successful I haven't looked back.
mrstealyagrl is offline  
Old Mar 27, 14, 10:57 pm
  #632  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,355
Originally Posted by rdover1 View Post
Valid, but unfortunately misleading for the Evolve thread as AmexGC can't be used for this.
Not at all. These were for the purchases of Visa/MC GCs. I mentioned Amex GCs b/c on one of these websites, you could use Amex GCs to purchase the Visa GC.
cdancer20 is offline  
Old Mar 28, 14, 10:13 am
  #633  
 
Join Date: Sep 2011
Posts: 187
success!

SUCCESS! Payments just posted to my 2k+ WF mortgage. These are the things I did that helped my payments post as the monthly payment and not principal:

1. Used Visa GC's. Mix of $500 OneVanillas and $200 VGC's
2. Confirmed that you do NOT need to register zip as long as GC is activated correctly
3. Made all payments on the same day (weekday) from multiple accounts
4. Made payment total to EXACTLY the payment amount (yes, that means I have an odd amount left on one of my GC's)
5. Waited 10-20 minutes between payments (others say 6, but I waited longer just in case).
6. DONE. Took ~2 days to post to WF.

Process was pretty smooth...good chunk of points at a low CPM for a bill that I wasn't able to pay via CC before. I'm a fan
cornellfOo is offline  
Old Mar 28, 14, 10:32 am
  #634  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,183
Do we need to fill out the debit card address information each time?
frudd38 is offline  
Old Mar 28, 14, 11:15 am
  #635  
 
Join Date: Dec 2010
Posts: 65
Originally Posted by cornellfOo View Post
SUCCESS! Payments just posted to my 2k+ WF mortgage. These are the things I did that helped my payments post as the monthly payment and not principal:

1. Used Visa GC's. Mix of $500 OneVanillas and $200 VGC's
2. Confirmed that you do NOT need to register zip as long as GC is activated correctly
3. Made all payments on the same day (weekday) from multiple accounts
4. Made payment total to EXACTLY the payment amount (yes, that means I have an odd amount left on one of my GC's)
5. Waited 10-20 minutes between payments (others say 6, but I waited longer just in case).
6. DONE. Took ~2 days to post to WF.

Process was pretty smooth...good chunk of points at a low CPM for a bill that I wasn't able to pay via CC before. I'm a fan
Thanks for the info - huge help!
scocjo is offline  
Old Mar 28, 14, 11:17 am
  #636  
 
Join Date: May 2013
Posts: 747
Originally Posted by frudd38 View Post
Do we need to fill out the debit card address information each time?
Did you not read point number 2 literally right above your post?
nrdk is offline  
Old Mar 28, 14, 11:25 am
  #637  
 
Join Date: Sep 2011
Posts: 187
Originally Posted by frudd38 View Post
Do we need to fill out the debit card address information each time?
If you mean in evolve, then yes. If you mean registering your vgc, then...what nrdk said.
cornellfOo is offline  
Old Mar 28, 14, 12:06 pm
  #638  
 
Join Date: Feb 2014
Location: Houston, TX
Posts: 25
Originally Posted by cornellfOo View Post
SUCCESS! Payments just posted to my 2k+ WF mortgage. These are the things I did that helped my payments post as the monthly payment and not principal:

1. Used Visa GC's. Mix of $500 OneVanillas and $200 VGC's
2. Confirmed that you do NOT need to register zip as long as GC is activated correctly
3. Made all payments on the same day (weekday) from multiple accounts
4. Made payment total to EXACTLY the payment amount (yes, that means I have an odd amount left on one of my GC's)
5. Waited 10-20 minutes between payments (others say 6, but I waited longer just in case).
6. DONE. Took ~2 days to post to WF.

Process was pretty smooth...good chunk of points at a low CPM for a bill that I wasn't able to pay via CC before. I'm a fan
Thanks. I'm trying to make it to work and I guess the secret sauce here is sending the exact amount for payment. I'll try next month to see.
deadlycfx is offline  
Old Mar 28, 14, 1:32 pm
  #639  
 
Join Date: Mar 2014
Posts: 50
cornellfOo - were any of the Evolve accounts you used "guest" accounts or did you fully sign up for multiple accounts? thanks!
WhiteRoom is offline  
Old Mar 29, 14, 12:27 am
  #640  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,183
Originally Posted by nrdk View Post
Did you not read point number 2 literally right above your post?
Yes. I meant on Evolve..
frudd38 is offline  
Old Mar 29, 14, 12:28 am
  #641  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,183
Originally Posted by cornellfOo View Post
If you mean in evolve, then yes. If you mean registering your vgc, then...what nrdk said.
Thanks
frudd38 is offline  
Old Mar 29, 14, 6:22 pm
  #642  
 
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Anyone here have experience with either -

Capital One Mortgage
PNC Auto Loan?

Oddly, I can find PNC Mortgage, and Capital One Auto Loan. Unsure if making payments to the payee with my account number (i.e pay Cap One audit loan payee with a Mortgage account number, or pay PNC mortgage with my PNC auto loan number) will work. TIA for any advice/ suggestions.
jiffyjiff is offline  
Old Mar 30, 14, 3:10 am
  #643  
 
Join Date: Sep 2011
Posts: 187
Originally Posted by WhiteRoom View Post
cornellfOo - were any of the Evolve accounts you used "guest" accounts or did you fully sign up for multiple accounts? thanks!
I used non-guest accounts
cornellfOo is offline  
Old Mar 30, 14, 6:57 am
  #644  
 
Join Date: Feb 2013
Location: PHL
Programs: UA, DL, AA, ANA
Posts: 226
FYI via twitter, in reference to the spring promotion codes.
"The codes will be redeemable for dollars off when you pay a bill. Thanks for asking!"
vinyalwhl is offline  
Old Mar 30, 14, 12:08 pm
  #645  
 
Join Date: Apr 2012
Location: NYC
Posts: 186
Originally Posted by vinyalwhl View Post
FYI via twitter, in reference to the spring promotion codes.
"The codes will be redeemable for dollars off when you pay a bill. Thanks for asking!"
Nice!
aresay is offline  

Thread Tools
Search this Thread