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 9, 2014, 8:27 am
#1441
Join Date: Apr 2012
Location: Uranus
Posts: 333
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.
Jun 9, 2014, 8:36 am
#1442
Join Date: Dec 2008
Posts: 563
Yes. I got blocked and got no email from Evolve. I called and they said I was blocked and there was nothing they can do about it. I did not abuse anything or circumvent any rule, etc. They told me two weeks ago they revised the rule to no more than 4 payments per biller and since I exceeded that my biller is permanently blocked.
Jun 9, 2014, 9:20 am
#1444
Join Date: Oct 2005
Posts: 51
I just called, 4 payments/mo maximum per bill pay account. Since the limit is $1000/day, you can make up to $4000/mo per bill (over 4 days). The issue is that for those with more than $2000/mo that needs to be paid (like my mortgage), time to be creative and pay part of the bill with a non-prepaid debit card like Paypal Business Debit or regular bank one.
Or find a way to buy $1000 OV or VGC! Thoughts?
Or find a way to buy $1000 OV or VGC! Thoughts?
Jun 9, 2014, 11:41 am
#1447
Join Date: Apr 2014
Posts: 23
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.
Jun 9, 2014, 12:18 pm
#1448
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,052
I just called, 4 payments/mo maximum per bill pay account. Since the limit is $1000/day, you can make up to $4000/mo per bill (over 4 days). The issue is that for those with more than $2000/mo that needs to be paid (like my mortgage), time to be creative and pay part of the bill with a non-prepaid debit card like Paypal Business Debit or regular bank one.
Or find a way to buy $1000 OV or VGC! Thoughts?
Or find a way to buy $1000 OV or VGC! Thoughts?
We can dream.
Jun 9, 2014, 1:18 pm
#1451
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Jun 9, 2014, 1:24 pm
#1452
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,052
Jun 9, 2014, 6:42 pm
#1453
Join Date: Dec 2013
Posts: 234
Decided to stop using evolve since it is such a hassle, with the exception of small monthly gas/electric bills. I've got some large car/daycare/mortgage bills and due to the caps it is way less hassle to just pay the extra fees and do amex for target.
Jun 9, 2014, 6:59 pm
#1454
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Since I was mainly using this as a way to cash out $200 Staples VGCs I can now only pay for $800 of my mortgage before I'm tapped out. This month I paid the rest with a T-Mo card on my mortgage company's website. They allow Visa debit card payments on there. Tried a VGC and it wouldn't work. Oh well, I guess I'm earning 5% CB paying the rest with T-Mo at least.