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
Jun 6, 2014, 2:22 pm
#1426
Join Date: Jul 2013
Posts: 1,036
FWIW, I did four payments to WF earlier this week. Despite NOT going over the new limit, I got the email today about being locked up until 7/1 as well. I suppose you could say that they are being proactive and "warning" me, but I thought it was a little strange to be locked despite not trying a fifth payment.
Jun 6, 2014, 2:50 pm
#1427
Join Date: Apr 2014
Posts: 16
You are correct, so if the US Bancorp cards meet those conditions, they would be exempt as well. That could put them in the expensive category too.
Jun 6, 2014, 5:16 pm
#1430
Join Date: Apr 2014
Location: ANC
Programs: AS, UA, IHG, HH,
Posts: 171
I made 46 payments to one biller this last month. With a Rep in this thread, they should have known what they were in for. I did not get an email, just a red error message to call them when trying to process #47. When I called, I waited about 10 minutes before someone informed me that they have changed the payment limit to 4 per month and it resets on the 1st of the month. I was told I did nothing wrong, just that they had changed their policy.
It sucks, as I had a nice little loop but back to the old way to liquidate/billpay.
It sucks, as I had a nice little loop but back to the old way to liquidate/billpay.
who were you trying to pay?
Jun 6, 2014, 8:13 pm
#1431
Join Date: Jun 2009
Location: DFW
Posts: 454
I am in Europe on a miles-based jaunt – so I have not worried about paying my mortgage this month – but I did get an email reminder from them reminding me to be sure I use their service to pay the mortgage. No other emails. I do 5 cards on my account, 5 on my wife’s account and 2 on another account to pay it all. But, it’s the only thing I pay with their service. Wonder if there’s a second variable like a capital crime.. that you can’t do X, if you’re also doing Y. Can't say I've had success since my cards are in a safe back home!
Jun 6, 2014, 11:39 pm
#1433
Join Date: Sep 2012
Posts: 4,431
Jun 7, 2014, 1:18 am
#1434
Join Date: Nov 2002
Posts: 164
I made 4 payments to my mortgage last month from multiple accounts. Haven't gotten an email from them. I wonder if I can still go over 4 this month, but most likely I bet the 5th payment will just get rejected. Oh well, it was fun while it lasted. At least you can still use the service to pay utilities, auto loans, etc.
Jun 7, 2014, 9:49 pm
#1435
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: 5,562
So is it 4 payments to the same biller, or 4 payments to the same account? I've got two accounts with Chase that I pay. Thinking about doing one of them using 4x200 this month, but still want to pay the other with 2xReloadit. Definitely distinct account numbers. Shows up as two different payees on the home screen, so I'm thinking I'm OK....
Jun 8, 2014, 5:34 am
#1436
Join Date: Jul 2004
Posts: 377
I didn't get an email, but my fifth payment to my mortgage was just blocked. Of course, I didn't get the error message until after I entered the debit card info and pressed submit, so there is now a hold on the debit card (which, as we know, takes seven days to fall off).
Jun 8, 2014, 9:43 am
#1438
Join Date: May 2014
Location: SoCal
Posts: 2,164
if they have an issue with your transactions they will send you an email, it might take them a week or so to do that. my mortgage is a little over 2k so i did 5 payments, so i got the email.
Jun 8, 2014, 7:42 pm
#1439
Join Date: Jul 2013
Posts: 322
So, um, a friend of mine accidentally entered the $ amount in the wrong biller category yesterday and paid the mortgage again rather than the student loan. Yeah, that was dumb of him/her, and s/he feels bad enough about it as it is given that the website doesn't allow you to cancel a payment.
Wondering if anyone has had experience with such a situation, and whether calling EM or the payee was able to clear it up--or if I just have to suck it up. I mean, my friend, who is not me, has to suck it up. Yep, that's the ticket.
Wondering if anyone has had experience with such a situation, and whether calling EM or the payee was able to clear it up--or if I just have to suck it up. I mean, my friend, who is not me, has to suck it up. Yep, that's the ticket.
Jun 9, 2014, 8:24 am
#1440
Join Date: Dec 2008
Posts: 563
Evolve just sucks! They denied my payment after making $1,000 and said it's because my SO made payments to the same account, which she is the account holder on as well. They said they permanently disabled the biller and there is nothing they will do. I wasn't even trying to circumvent any rules. I was just paying one mortgage and that's it. But I didn't get any emails or notices from them about changes to the 4 payments per month or a notice that my bill was denied and account was locked.
I would be really careful dealing with this company. The card I used to pay now have a zero balance because Evolve authorized a charge. I have to wait 10 days to get my money and the telephone customer service at Evolve is atrocious. It's worse than American Express Gift Cards which I thought would be impossible to be worse than.
I would be really careful dealing with this company. The card I used to pay now have a zero balance because Evolve authorized a charge. I have to wait 10 days to get my money and the telephone customer service at Evolve is atrocious. It's worse than American Express Gift Cards which I thought would be impossible to be worse than.