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Old Feb 27, 2017, 10:26 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ChrisFlyer66
THIS IS A WIKI TO AN OLD THREAD THAT IS NO LONGER BEING MAINTAINED!

This is a new thread for 2017. The previous discussion can be found here.
The new thread for 2018 is here.

DETAILS:
Bill Pay cannot be done at a regular register. BP must be done at Customer Service/Returns or at the Money Center in stores that have it.
WM offers two BP services: CheckFreePAY and MoneyGram. The cashier can initiate CheckFreePAY by selecting Money Services followed by Bill Pay on the register for a fee of $1-1.88. Moneygram is $4.99.
ONLY 4 successful debit card swipes can pay for a transaction. ONLY 5 payments per 16 digit account number per rolling 30 days.
CheckFreePay (800) 676-6148. - Look up payments using CC number and time of transaction

Standard BP- Once your CFP account is set up, you can add CC. When you want to BP give them your phone# to look up your account under Money Services. They often get confused and think you want MG, but just say it is under Money Services. Make sure you get 2 receipts, one from WM and a small one from CFP showing the CC# and Biller name you paid.

WM App - The Money Services works in express lane for BP, but has issues making 2 or more payments in a row. Make one BP, then come back or do another trans, then another BP to avoid issues. Make sure you get a BP receipt in the app and it shows the BP info and the CC you paid before leaving the store.

Some tips: If you don't get a receipt and they have to print you one, make sure the CC you paid appears on the printed receipt. If not on receipt, call CFP with the manager to verify there is no payment processing. They can cancel any transactions and pay you in cash right away. If they cancel the transaction and their cash drawer opens, that means they should pay you in cash, if it doesn't open, the money will probably return to your cards. Not sure what happens on the same day? Watch their drawer when they cancel the transaction to see if it opens. If they say the money will return to your DC, make sure to write down the managers name in case it doesn't.

BUSINESS DAY transaction completion time is 18:59:59 EST (Holidays change post day)
Friday after 06:59PM EST, until Monday BEFORE 07:00PM EST arrives Tuesday
Tuesday BEFORE 7:00PM arrives Wednesday
Wednesday BEFORE 07:00PM arrives Thursday
Thursday BEFORE 07:00PM arrives Friday
Friday BEFORE 07:00PM arrives Monday
But when a next-day payment will post and be visible depends upon the CC issuer.

--------------------------------------------------------------

:-:VISA and MC
If your particular card isn't on the list below, try "VISA" or "MASTERCARD."

"VISA" and "MASTERCARD" payee can no longer be found by search at some stores. If the employee can no longer find "VISA" or "MASTERCARD" by searching in CheckFreePAY, then you cannot pay either, end of story.

Following do not work:
Any and all Vanilla VISA, Vanilla MC, and OneVanilla VISA.
Glimcher VISA
MASTERCARD
$1.88 next day.
Works:
Bank of America Cash Rewards Business MC
Barclay (Arrival, US Airways) MC - Posts at 11PM EST, credit available 1AM EST
Chase Business Ink Bold MC
Citi AAdvantage (Platinum Select, Executive, Business) MC - Posts at 3AM EST (+1 day)
Citi ThankYou Preferred MC
CitiBusiness Platinum Select MC
Does not work:
Barclay Business US Airways MC - NOT PAYABLE - tried 2x
VISA
$1.88 next day.
Works:
Barclay Priceline VS
Chase (Amazon, Freedom, Sapphire Preferred, United, Slate) VS - Posts at 10PM EST
Chase Business Ink Bold VS
Citi (AAdvantage, Dividend, ThankYou Preferred) VS
FIA Fidelity VS
PNC CashBuilder VS
US Bank (Cash+, Club Carlson, Flexperks) VS
Wells Fargo Cashback VS
Does not work:
TD Bank VS - [Source]
Alliant Credit Union Cashback Visa Signature
----------------------------------------------------------------------------------------
:-:Issuing Bank

Discover - Use for all Discover network cards
$1.50 next day, $1.00 three days.

American Express AMEX cards(SPG, BC, BCE, BCP, etc) cannot be paid through CheckFreePAY. Some AMEX cards issued by other banks can be paid.

AMEX cards(SPG, BC, BCE, BCP, etc) can be paid using MoneyGram for $4.99

Barclay Listed under barclay - need biller zip - $1.50 next day, $1.00 three days

Bank of America Credit Cards - Use for BoA-issued and FIA-issued cards; will not work for BofA Small Business cards.
$1.50 next day, $1.00 three days. (Will require a ZIP but apparently yours will work as well as theirs, which is 19886)[INDENT]Works:
FIA Fidelity VS & MC
BoA Alaska Airlines Visa
Does not work:
FIA Fidelity AX - No longer working for FIA Amex
BofA Asiana Business card
Capital One
$1.50 next day.
Personal and business CCs
Citibank American Express - Use for Citi-issued AMEX cards
$1.50 next day, $1.00 three days.
Citi AAdvantage AMEX
PNC Bank - Use for PNC-issued Visa network cards
$1.50 next day, $1.00 three days.
PNC CashBuilder VS
Warning: Some users have reported being shutdown for using bill pay services.


For money order questions, check the following threads and their wiki posts:
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Billpay at Walmart(2017)

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Old Sep 6, 2017, 3:16 pm
  #271  
 
Join Date: Nov 2013
Posts: 572
Originally Posted by amitgu
Went to a walmart today for bill pay. Cashier asked me for social and occupation. When I asked why he said any amount over 900 will ask this info. Anyone else has this experience?
That's my experience with all WMs in Arizona. They ask for SSN and occupation if you pay a bill over $900 and they type it in. It's absolutely normal.....in Arizona
Zgirl is offline  
Old Sep 7, 2017, 5:08 am
  #272  
 
Join Date: May 2015
Posts: 1,066
Anyone else have issues with Tuesday payments? 5 visa ones didn't show up by this morning for me.

EDIT: Called Checkfreepay and the transaction went through. Wonder if an issue at Visa? Maybe something between the Visa payment and the credit card issuer?

Last edited by cdog999; Sep 7, 2017 at 7:42 am
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Old Sep 7, 2017, 8:18 am
  #273  
 
Join Date: Aug 2013
Posts: 160
Visa for BOA card posted no issue on Wed


Originally Posted by cdog999
Anyone else have issues with Tuesday payments? 5 visa ones didn't show up by this morning for me.

EDIT: Called Checkfreepay and the transaction went through. Wonder if an issue at Visa? Maybe something between the Visa payment and the credit card issuer?
vodafone is offline  
Old Sep 7, 2017, 9:01 am
  #274  
 
Join Date: May 2015
Posts: 1,066
Originally Posted by vodafone
Visa for BOA card posted no issue on Wed
Thanks for the info. It could be just my credit card issuer as they are an odd bunch and I've noticed some other strange things with them. But, the concerning part is I checked my trace number with the ACH office of the issuer and they don't have anything on this transaction yet.

Checkfreepay isn't much help as all they want to do is start a 3 way call.
cdog999 is offline  
Old Sep 7, 2017, 10:10 am
  #275  
 
Join Date: Nov 2013
Posts: 572
Originally Posted by cdog999
Thanks for the info. It could be just my credit card issuer as they are an odd bunch and I've noticed some other strange things with them. But, the concerning part is I checked my trace number with the ACH office of the issuer and they don't have anything on this transaction yet.

Checkfreepay isn't much help as all they want to do is start a 3 way call.
Did you check if the cashier did 1 day delivery? Maybe he/she did 3 days and you'll see the payments posted Friday night
Zgirl is offline  
Old Sep 7, 2017, 11:32 am
  #276  
 
Join Date: May 2015
Posts: 1,066
Originally Posted by Zgirl
Did you check if the cashier did 1 day delivery? Maybe he/she did 3 days and you'll see the payments posted Friday night
Yep, its 1 day delivery. Was done right before 6pm. Its tough when you have to talk to the back office people at Checkfreepay. I'm thinking it might be one of 2 issues:
1) My payments were actually initiated on 9/6 instead of 9/5 which would mean that they will be accounted for tomorrow morning.
2) The credit card issuer had some issues on their processing of ACH from the Fed (if this is the case hopefully this would be resolved by tomorrow morning).

Its quite a lot of money so was trying to figure this out rather than just guess. Issuer doesn't see the trace number in their ACH and Checkfreepay says the payment was made successfully. Nice...

EDIT: Called the issuer and they said that there was no reject using the 15 digit trace number so hoping this is some sort of batch processing delay especially since Checkfreepay says the payment was successful. Will know after 6am tomorrow.

Anyone else experience anything like this before? I had payments not process during the checkfrepay outage, but this is different since they are showing the payment processed on 9/5 and was paid on 9/6.

Last edited by cdog999; Sep 7, 2017 at 1:29 pm
cdog999 is offline  
Old Sep 8, 2017, 10:43 am
  #277  
 
Join Date: May 2015
Posts: 1,066
Originally Posted by cdog999
Yep, its 1 day delivery. Was done right before 6pm. Its tough when you have to talk to the back office people at Checkfreepay. I'm thinking it might be one of 2 issues:
1) My payments were actually initiated on 9/6 instead of 9/5 which would mean that they will be accounted for tomorrow morning.
2) The credit card issuer had some issues on their processing of ACH from the Fed (if this is the case hopefully this would be resolved by tomorrow morning).

Its quite a lot of money so was trying to figure this out rather than just guess. Issuer doesn't see the trace number in their ACH and Checkfreepay says the payment was made successfully. Nice...

EDIT: Called the issuer and they said that there was no reject using the 15 digit trace number so hoping this is some sort of batch processing delay especially since Checkfreepay says the payment was successful. Will know after 6am tomorrow.

Anyone else experience anything like this before? I had payments not process during the checkfrepay outage, but this is different since they are showing the payment processed on 9/5 and was paid on 9/6.
So, they all paid and were available this morning. No clue where the delay happened. All that said, I found out that my CC issuer put a hold on the funds even though it said the credit was available. Found out the hard way after a decline today I've seen in the past where a hold was placed on a card's funds but never where it shows the credit is available. That is a new one for me.
cdog999 is offline  
Old Sep 8, 2017, 11:09 am
  #278  
 
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,664
Originally Posted by cdog999
So, they all paid and were available this morning. No clue where the delay happened. All that said, I found out that my CC issuer put a hold on the funds even though it said the credit was available. Found out the hard way after a decline today I've seen in the past where a hold was placed on a card's funds but never where it shows the credit is available. That is a new one for me.
Have you considered that it wasn't anything on the payment processing end but the receiving end, e.g. CC issuer getting nosy? I agree that the CL not being returned is the norm in that case, but CFPB is usually really accurate on the payment side.
sam_goh is offline  
Old Sep 17, 2017, 7:23 pm
  #279  
Original Poster
 
Join Date: Jun 2015
Posts: 644
Deleted

Last edited by Stivelio; Sep 18, 2017 at 6:55 am
Stivelio is offline  
Old Sep 18, 2017, 6:37 am
  #280  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by Stivelio
Does billpay to amex brg work from WM? Is this considered risky for shutdown by amex for just a one time billpay of like 8-10k?
with the advent of AXP RAT, all activities are risky especially if you post it to sites like this that makes it easier for them to know what to look for. just trust your gut feel and X your fingers they do not read this if you decide to proceed.
Mamibear is offline  
Old Sep 18, 2017, 6:56 am
  #281  
Original Poster
 
Join Date: Jun 2015
Posts: 644
Originally Posted by Mamibear
with the advent of AXP RAT, all activities are risky especially if you post it to sites like this that makes it easier for them to know what to look for. just trust your gut feel and X your fingers they do not read this if you decide to proceed.
ok deleted
Stivelio is offline  
Old Sep 18, 2017, 11:42 am
  #282  
 
Join Date: Oct 2015
Location: NRT
Programs: UA gold
Posts: 135
Originally Posted by Mamibear
oops.
Dont forget your quote
ezakipocky is offline  
Old Sep 19, 2017, 4:03 pm
  #283  
 
Join Date: Aug 2013
Posts: 369
I made two back to back bill payments today and during the second transaction the cashier spent about 5 minutes typing stuff out (something she didn't do for the first transaction).

After I finished paying she told another cashier "I need to show y'all something y'all have to do," which got me paranoid about what she was typing out.

Any idea what she might've been doing? Submitting some report on me maybe? My info is saved into the system so it couldn't have been that. And she did my first billpay very quickly.
jjangoo is offline  
Old Sep 21, 2017, 5:48 am
  #284  
 
Join Date: Jul 2016
Location: NY
Posts: 523
Originally Posted by jjangoo
I made two back to back bill payments today and during the second transaction the cashier spent about 5 minutes typing stuff out (something she didn't do for the first transaction).

After I finished paying she told another cashier "I need to show y'all something y'all have to do," which got me paranoid about what she was typing out.

Any idea what she might've been doing? Submitting some report on me maybe? My info is saved into the system so it couldn't have been that. And she did my first billpay very quickly.
At one WM I asked to do a 2K BP after buying 2K in MO's. The YV told me I was structuring (lol) and asked to see ID. I gave her my DL and she typed away on her terminal. Did the cashier ask to see your ID?
FrankMS is offline  
Old Oct 11, 2017, 6:14 pm
  #285  
 
Join Date: Dec 2011
Location: Los Angeles, CA
Programs: AAdvantage Gold, Hilton Diamond
Posts: 132
Did someone else's bill pay not post that was supposed to post yesterday. I made 2 citi card payments on Monday morning with 1.88$ - one business day payment and it almost always will post on Tuesday night (sometimes wednesday early morning).

However, I am thinking maybe because Monday was Columbus day I should not count that day and it will post sometime tonight or early tomorrow.
ketelone is offline  


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