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

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

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Old Apr 4, 19, 11:13 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: 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

Plastiq Fees:
The standard Plastiq fee is 2.5%. It makes most of the reward programs not profitable. Use Plastiq to meet welcome bonus spending requirement or to meet certain spend requirements to reach elite status or for large spend bonus. Also take advantage of Plastiq referrals and promotions.

Plastiq Referrals:
Standard Referral: When you refer your friend to Plastiq, after your friend charges $500 or more, your friend will get $500 FFDs (fee free dollar) and you'll receive $1,000 FFDs to spend.

Successful Credit Cards Used (Posted as Purchase, Visa info outdated)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 Aug 25, 18, 8:19 am
  #301  
 
Join Date: Jul 2010
Posts: 106
Anyone else having issues logging into Plastiq? When i enter the password, the continue button keeps spinning...
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Old Aug 25, 18, 10:18 am
  #302  
 
Join Date: Jul 2014
Posts: 180
does citi double cash code as purchase on plastiq? Didn't see it listed in the wiki. Thanks!
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Old Aug 25, 18, 10:31 am
  #303  
 
Join Date: Apr 2015
Posts: 150
Originally Posted by vacaloca View Post
Anyone else having issues logging into Plastiq? When i enter the password, the continue button keeps spinning...
Yep same here

Originally Posted by neony77 View Post
does citi double cash code as purchase on plastiq? Didn't see it listed in the wiki. Thanks!
It codes as a purchase. I recently did some payment with the Citi DC.
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Old Aug 25, 18, 6:28 pm
  #304  
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Join Date: May 2012
Posts: 233
Originally Posted by vacaloca View Post
Anyone else having issues logging into Plastiq? When i enter the password, the continue button keeps spinning...
works for me
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Old Aug 25, 18, 7:56 pm
  #305  
 
Join Date: Nov 2006
Location: Left Coast
Programs: UA 1K & MM, HH Gold, Marriott/SPG Gold (UA comp)
Posts: 1,190
Trying a $250 Plastiq payment today with new MC that I just added to Masterpass but Plastiq wants to charge me 2.5%. This is a card that was just replaced due to fraud (the previous card worked fine). Glitch or maybe there's a delay between adding a CC to Masterpass and having it be recognized as eligible for free payments? Don't really want to ask Plastiq/put eyes on my multiple payments.

Last edited by weezl; Aug 25, 18 at 7:56 pm Reason: typo
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Old Aug 25, 18, 8:01 pm
  #306  
 
Join Date: Aug 2018
Posts: 27
Originally Posted by weezl View Post
Trying a $250 Plastiq payment today with new MC that I just added to Masterpass but Plastiq wants to charge me 2.5%. This is a card that was just replaced due to fraud (the previous card worked fine). Glitch or maybe there's a delay between adding a CC to Masterpass and having it be recognized as eligible for free payments? Don't really want to ask Plastiq/put eyes on my multiple payments.
When I set up a weekly $250 payments to my mortgage using Masterpass when the promotion launched I recall the first $500 included the 2.5% fee and then there was no fee on the first $250 of future payments with that card using Masterpass. Your new card probably will have to meet that "first $500 at 2.5%" term before the no fee for first $250 kicks in.

Last edited by LDoc; Aug 25, 18 at 8:09 pm
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Old Aug 25, 18, 8:05 pm
  #307  
 
Join Date: Nov 2006
Location: Left Coast
Programs: UA 1K & MM, HH Gold, Marriott/SPG Gold (UA comp)
Posts: 1,190
Originally Posted by LDoc View Post
When I set up a weekly $250 payments to my mortgage using Masterpass when the promotion launched I recall the first $500 included the 2.5% fee and then there was no fee on the first $250 of future payments with that card using Masterpass. Your new card probably will have to meet that "first $500 at 2.5% term" before the no fee for first $250.
Interesting. In May, my 1st four $500 payments were free, and subsequent $250's were free as well. In fact, my other MC attached to MP is still showing as free today. I have min spend on the newer CC though, so I'd like to get that one going for free as well. Odd

EDIT- dolt added the CC via add a cad, not MP. Sorry, works fine now.
FYI, you can actually pay a few cents more than $250, helps me sort out how many I've done already (250.01, 250.02, 250.03, etc)

Last edited by weezl; Aug 25, 18 at 8:11 pm Reason: DOLT
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Old Aug 26, 18, 6:03 am
  #308  
 
Join Date: Jul 2014
Posts: 180
Originally Posted by alphakenny1 View Post
Yep same here



It codes as a purchase. I recently did some payment with the Citi DC.
Thanks!
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Old Aug 26, 18, 11:40 am
  #309  
 
Join Date: Dec 2013
Location: California
Posts: 240
Originally Posted by frudd38 View Post
it's been over 6 weeks since I've been able to activate a new card on Citi Pay..
Citi Pay Masterpass wasn't working for me last night (gave stupid errors like saying only mastercard is supported, when the DoubleCash I was trying to add was mastercard), but today it worked.
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Old Aug 29, 18, 1:21 pm
  #310  
 
Join Date: Nov 2017
Programs: Chase and American Express
Posts: 41
Majorly pissed that plstq isnt 3x points for my CIP card anymore. I just had a 30k payment go through there i usually get 3x points for only come up as 1x.
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Old Aug 29, 18, 3:00 pm
  #311  
 
Join Date: Aug 2017
Posts: 102
Originally Posted by weezl View Post
FYI, you can actually pay a few cents more than $250, helps me sort out how many I've done already (250.01, 250.02, 250.03, etc)
I went the other way 249.99, 249.98 and so on to have each payment amount be unique.
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Old Aug 29, 18, 7:45 pm
  #312  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,142
Originally Posted by fbcooper View Post
Majorly pissed that plstq isnt 3x points for my CIP card anymore. I just had a 30k payment go through there i usually get 3x points for only come up as 1x.
It was ending sooner or later just like ATT 3x.. pays to pay attention.
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Old Aug 30, 18, 12:44 pm
  #313  
 
Join Date: Jun 2012
Location: Boston
Programs: UA 1K
Posts: 213
Anyone knows how long it takes for checks to arrive at their destination? I made a payment on 8/17 (Friday). I got an email same day late evening that check is "mailed" - yeah right lol. Assuming the check processing actually started on Monday (8/20) and postmarked on 8/21, it should have arrived by today. However nothing so far. That was kind of a time sensitive payment and I thought 10 days is more than enough margin. Still the recipient is nice and willing to wait an additional week. Any past experiences with this? Thanks.
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Old Aug 30, 18, 2:09 pm
  #314  
 
Join Date: Jul 2014
Posts: 321
Originally Posted by ksingh0311 View Post
Anyone knows how long it takes for checks to arrive at their destination? I made a payment on 8/17 (Friday). I got an email same day late evening that check is "mailed" - yeah right lol. Assuming the check processing actually started on Monday (8/20) and postmarked on 8/21, it should have arrived by today. However nothing so far. That was kind of a time sensitive payment and I thought 10 days is more than enough margin. Still the recipient is nice and willing to wait an additional week. Any past experiences with this? Thanks.
First payment can take two weeks. My recurring check paymenst general arrive 6-8 days after credit card posting date.
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Old Aug 30, 18, 7:29 pm
  #315  
 
Join Date: Jun 2012
Location: Boston
Programs: UA 1K
Posts: 213
Originally Posted by chaser123 View Post
First payment can take two weeks. My recurring check paymenst general arrive 6-8 days after credit card posting date.
Thanks. I got the “your check was mailed” email on the day of payment, now almost 2 weeks ago. Does it really take them that long to actually cut the check and mail it out?
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