Billpay at Walmart(2018-19)

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Old Mar 21, 19, 12:35 am   -   Wikipost
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Last edit by: littlewinglet
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This is a new thread for 2018. The previous discussion can be found here.

DETAILS:
As of Nov 1, 2018, WM Billpay is limited to a total of $8000 total per person to all accounts per rolling 30 days.


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

BP by phone number lookup- 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 Bill Pay.

Receipt 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.

Payments:
Most cc can be paid 5 times by Visa/MC and 5 times by the issuing bank in rolling 30 days with a total of 10. There might be an 8K limit per rolling 30 days starting Oct 2018.

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.

--------------------------------------------------------------
Choose to pay by Visa/MC card issuer OR by issuing bank - see the 2 sections below.

VISA and MC - card issuer-----------------------------------------------------------------------------------------------
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
Citi AT&T 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, Chase Ink Plus
Citi (AAdvantage, Dividend, ThankYou Preferred) VS
FIA Fidelity VS
PNC CashBuilder VS
US Bank (Cash+, Club Carlson, Flexperks) VS
Navy Federal Credit Union Visa
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, but they 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; 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:
BoA Alaska Airlines Visa
Does not work:
BofA Asiana Business card
Capital One
$1.50 next day.
Personal and business CCs
Elan Financial Services
$1.50 next day.
Fidelity Visa
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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Old Oct 18, 18, 6:20 pm
  #391  
 
Join Date: Oct 2013
Posts: 1,043
I don't understand how the $8k thing is a big deal, assuming it gets fully implemented. Can't you just create another WM app identity/user name, e.g., tuphatxxx, tuphatyyy, etc.?
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Old Oct 18, 18, 8:07 pm
  #392  
 
Join Date: Jan 2010
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Originally Posted by tuphat View Post
I don't understand how the $8k thing is a big deal, assuming it gets fully implemented. Can't you just create another WM app identity/user name, e.g., tuphatxxx, tuphatyyy, etc.?
you can only have one driver license, millions nicknames...so Walmart knows what is needed to keep track of you.
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Old Oct 19, 18, 10:31 am
  #393  
 
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Originally Posted by coolguy100 View Post
you can only have one driver license, millions nicknames...so Walmart knows what is needed to keep track of you.
But can't you have passport, other forms of ID?
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Old Oct 19, 18, 10:45 am
  #394  
 
Join Date: Jun 2015
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Originally Posted by coolguy100 View Post
you can only have one driver license, millions nicknames...so Walmart knows what is needed to keep track of you.
I have more than one DL
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Old Oct 19, 18, 12:31 pm
  #395  
 
Join Date: Jan 2010
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Originally Posted by Chelski View Post

I have more than one DL
multiple DL, passport, military ID is the route to go
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Old Oct 21, 18, 5:46 am
  #396  
 
Join Date: Jul 2016
Location: NY
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Originally Posted by yoyo View Post
Think outside the box
Go on...
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Old Oct 21, 18, 7:15 am
  #397  
Moderator, Manufactured Spending
 
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Originally Posted by coolguy100 View Post
multiple DL, passport, military ID is the route to go
you can also get multiple passports:

https://money.cnn.com/2017/11/01/new...rts/index.html
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Old Oct 21, 18, 8:20 am
  #398  
 
Join Date: Jul 2014
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Originally Posted by coolguy100 View Post
multiple DL, passport, military ID is the route to go
isn't socialSN attached to our B/P accounts, not just for buying MOs? while one can use multiple IDs and phone #s but with only one social, can't WM still identify the customer? afaik, our personal info is in the app so personnel in Bentonville can review it, if account gets flagged for any reason.
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Old Oct 21, 18, 2:53 pm
  #399  
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Join Date: Mar 2011
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Originally Posted by Mamibear View Post
isn't socialSN attached to our B/P accounts, not just for buying MOs?
SSN isn't in my Bill Pay account. I think they ask for it if you do a single B/P over a certain amount, but I've always stayed under that limit.
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Old Oct 21, 18, 3:34 pm
  #400  
 
Join Date: May 2015
Posts: 1,072
Originally Posted by ChrisFlyer66 View Post
you can also get multiple passports:

https://money.cnn.com/2017/11/01/new...rts/index.html
Seems like that is raising a lot of red flags. I mean the whole article was about Paul Manafort.

Looks like the second passport isn't even valid a full 10 years.
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Old Oct 21, 18, 8:28 pm
  #401  
 
Join Date: Apr 2005
Location: NYC
Posts: 1,423
Originally Posted by FrankMS View Post
Go on...
There were bank debit cards that let you bill pay at WM like 30K a pop (for an example suntrust card which had been dead for a while) so I wont be surprised there are still some unicorns people have spotted but are not talking about in public. Heck there were even reward credit cards that let you buy MOs at WM but died like a month ago.... I am pretty sure there are folks still bill paying in WM 8K with one single swipe, paying $1.50. Do a search in other FT forums but don't expect them to spoon feed in this thread.
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Old Oct 21, 18, 11:07 pm
  #402  
 
Join Date: Nov 2015
Posts: 445
I think after the system update , there are more questions poping up on the system now , regd the payment / any suspicious activities . I noticed the reps were doing more key press before confirming the payment , than usual.

One of my go to walmart , where one off csr denied me the transaction after seeing those questions , when i was half way through the payments. She also very clearly mentioning what we were doing (paying cc with gebits) . They might have got an overall picture of what we were doing after the memo and the system update.

Very sad this go to walmart is now burnt . I didnt make any scene , when i was denied half way thru . Dont want to bring more attention , i may be able to use the store after a month or 2. who knows.
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Old Oct 22, 18, 6:41 am
  #403  
 
Join Date: Feb 2016
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Originally Posted by yoyo View Post
There were bank debit cards that let you bill pay at WM like 30K a pop (for an example suntrust card which had been dead for a while) so I wont be surprised there are still some unicorns people have spotted but are not talking about in public. Heck there were even reward credit cards that let you buy MOs at WM but died like a month ago.... I am pretty sure there are folks still bill paying in WM 8K with one single swipe, paying $1.50. Do a search in other FT forums but don't expect them to spoon feed in this thread.
They are not all dead
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Old Oct 22, 18, 7:59 am
  #404  
 
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Originally Posted by Prometheus77 View Post
They are not all dead
Thanks for reminding me to check and find out they're not all dead (yet).
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Old Oct 22, 18, 9:47 am
  #405  
 
Join Date: Feb 2016
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Originally Posted by Mamibear View Post
Thanks for reminding me to check and find out they're not all dead (yet).
I don't believe the scarce few remaining are known by and or used by many. Additionally, the amount of volume you can push through them with out questions or shut downs has been narrowed down that most are staying within the limits so as not to kill off a good thing, but it's only a matter of time until a whale finds out and tries to push heavy volume through WM or Venmo and kills it off.
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