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Plastiq for rent, tuition, utilities, etc.(2018)

Plastiq for rent, tuition, utilities, etc.(2018)

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Old Nov 26, 18, 12:41 am   -   Wikipost
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Last edit by: RedSun
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This is the thread for 2018. The previous discussion can be found here.

Updated Nov-2018: A lot of the personal Visa CCs are out at Plastiq. They will be treated as cash advance and won't receive any rewards. Only Capital One personal Visa CCs are not affected. Business Visa CCs are still good. The best CCs are Mastercard and Discover. AmEx CCs can still be used, but not on many of the payment types. Chase personal Visa cards are limited to the cash advance limit (typically 20% of CL). The details are listed as below:
https://help.plastiq.com/hc/en-us/ar...l-Card-Changes

Successful Credit Cards Used (Posted as Purchase, Visa info outdated)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Amtrak World MC
BofA - Business Advantage Travel Rewards MC
BofA - Virgin Atlantic MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Ink Preferred Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa

Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Toyota Financial
Wawanesa USA Insurance
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16

Restrictions
New VISA payments are not being accepted for mortgages.
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Old Sep 17, 18, 9:04 pm
  #346  
 
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No longer counts as 3x for Chase Ink Business from the most recent statement I received.
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Old Sep 20, 18, 3:02 am
  #347  
 
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I just tried to pay $250 to my mortgage and the 2.5% was not waived. It was waived yesterday when I made a similar payment with the same card.
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Old Sep 21, 18, 3:03 pm
  #348  
 
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Originally Posted by DaveInLA View Post
I just tried to pay $250 to my mortgage and the 2.5% was not waived. It was waived yesterday when I made a similar payment with the same card.
It's because payment needs to be deliverd by 9/30, not sent.
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Old Sep 21, 18, 3:26 pm
  #349  
 
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Originally Posted by frudd38 View Post
It's because payment needs to be deliverd by 9/30, not sent.
I now have 3 payments with 2.5% fees. All are set to be delivered by 9/29 or earlier. All had no problems for me the past few weeks. He interesting thing is that the app shows $0 fee in the screen right before submission; itís only until after submission does the fee show up.
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Old Sep 21, 18, 10:49 pm
  #350  
 
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Originally Posted by frudd38 View Post
It's because payment needs to be deliverd by 9/30, not sent.
This is not true. I had payments scheduled for 10/8 delivery and they have $0 fee with my Masterpass card.

I looked at it again. It is the 9/30 cut off date for the processing. For the above payment to be delivered, the credit card processing date is 9/30. It takes about a week to deliver.

I believe this is covered by the Point Guy....
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Old Sep 22, 18, 3:27 pm
  #351  
 
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Originally Posted by RedSun View Post
This is not true. I had payments scheduled for 10/8 delivery and they have $0 fee with my Masterpass card.

I looked at it again. It is the 9/30 cut off date for the processing. For the above payment to be delivered, the credit card processing date is 9/30. It takes about a week to deliver.

I believe this is covered by the Point Guy....
The T&C's have always stated deliveries as of 9/30, but it wasn't effective before as I also have many prior scheduled deliveries past 9/30 (all scheduled back in August). However, IT IS holding true at the moment so they must've fixed it recently.

Are you saying you can still, at the moment, schedule deliveries past 9/30?
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Old Sep 22, 18, 9:30 pm
  #352  
 
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Originally Posted by frudd38 View Post
The T&C's have always stated deliveries as of 9/30, but it wasn't effective before as I also have many prior scheduled deliveries past 9/30 (all scheduled back in August). However, IT IS holding true at the moment so they must've fixed it recently.

Are you saying you can still, at the moment, schedule deliveries past 9/30?
Yes, but you must have the Plastiq cut the check on or before 9/30. If you want check delivered on 10/10 and it takes only 5 days to send the check, then it won't go.
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Old Sep 22, 18, 9:37 pm
  #353  
 
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Originally Posted by RedSun View Post
Yes, but you must have the Plastiq cut the check on or before 9/30. If you want check delivered on 10/10 and it takes only 5 days to send the check, then it won't go.
Yes I think everyone understands that and as I said above, I have many previously scheduled to process by 9/30 for delivery dates after that with 0% (did this back in August), but it's no longer working anymore at the moment. Unless you're saying you still get 0% fee Right Now if you process a new payment by 9/30?
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Old Sep 22, 18, 9:43 pm
  #354  
 
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Originally Posted by frudd38 View Post
Yes I think everyone understands that and as I said above, I have many previously scheduled to process by 9/30 for delivery dates after that with 0% (did this back in August), but it's no longer working anymore at the moment. Unless you're saying you still get 0% fee Right Now if you process a new payment by 9/30?
That is gone now. My bad. Have been busy the whole day.

Not sure when we'll see another one like this....
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Old Sep 23, 18, 10:17 am
  #355  
 
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Originally Posted by RedSun View Post
That is gone now. My bad. Have been busy the whole day.

Not sure when we'll see another one like this....
Have they responded saying that it must be delivered by 9/30, as it never said this before. Had a bunch I was waiting on.
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Old Sep 23, 18, 10:43 am
  #356  
 
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Originally Posted by yoshapman View Post
Have they responded saying that it must be delivered by 9/30, as it never said this before. Had a bunch I was waiting on.
They are not good at responding. They may have changed the practice to cut off all payments past 9/30.
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Old Sep 23, 18, 5:50 pm
  #357  
 
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I successfully scheduled fee free electronic payments for 10/2 delivery yesterday. As recently as 4 days ago, it was charging the fee when I scheduled it. So keep trying if you have electronic payments you still want to make. The fees seem to disappear sometimes
frudd38 likes this.

Last edited by NeGourmand; Sep 23, 18 at 8:28 pm Reason: autocorrect fail
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Old Sep 23, 18, 8:04 pm
  #358  
 
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Originally Posted by yoshapman View Post
Have they responded saying that it must be delivered by 9/30, as it never said this before. Had a bunch I was waiting on.
Originally Posted by RedSun View Post
They are not good at responding. They may have changed the practice to cut off all payments past 9/30.
It has ALWAYS said delivery by 9/30. Below is directly from the promotional email back in May...

*To qualify for promotion, payment must be submitted or scheduled on or after May 15, 2018, and payment's delivery date must be before or on September 30, 2018.

Last edited by frudd38; Sep 23, 18 at 8:10 pm
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Old Sep 23, 18, 8:52 pm
  #359  
 
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Originally Posted by frudd38 View Post
It has ALWAYS said delivery by 9/30. Below is directly from the promotional email back in May...

*To qualify for promotion, payment must be submitted or scheduled on or after May 15, 2018, and payment's delivery date must be before or on September 30, 2018.
Not really. This is discussed before and mentioned at some other sites too. See below:







As long as Plastiq processes the payment on or before 9/30, all is (or was) cool. As I said, this may have changed recently when Plastiq tightens up the "rules". Some people clearly missed this since they do not read...
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Old Sep 23, 18, 10:06 pm
  #360  
 
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Originally Posted by RedSun View Post
Not really. This is discussed before and mentioned at some other sites too. See below:







As long as Plastiq processes the payment on or before 9/30, all is (or was) cool. As I said, this may have changed recently when Plastiq tightens up the "rules". Some people clearly missed this since they do not read...
And as I said I've gotten many scheduled past 9/30 fee free like what you've shown above, but set them up all before September. Doesn't change the fact they've always had the verbiage in writing.. so Yes really.
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