Old Jan 9, 2018, 7:46 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: IAD_flyer
This is a new thread for 2018. The previous discussion can be found here.

As of Nov 11, 2020, Meta gebits are getting declined when used for MO/BP purchases at MC/SD. New limit appears to be $99 per swipe. READ the posts below and add a data point with details. USB and GD gift cards do not seem to be affected.

DETAILS:
As of Dec 2019, WM BP in-store is reportedly affected by the $8000 total limit across all cards.
As of Nov 1, 2018, WM Billpay made via the WM app is limited to a total of $8000 total per person to all accounts per rolling 30 days.

Sep 13 2021 : If WM App is updated with no money services , then use the following for Android phone to get the working version.


https://www.apkmirror.com/?post_type...ge=1&s=walmart
My working version is 21.12 (21120123)
Fyr : https://www.androidpolice.com/2021/0...n-app-android/

This workaround no longer works.

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
$1.50 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
$1.50 next day.

Works:Barclay Priceline VS
Chase (Amazon, Freedom, Sapphire Preferred, United, Slate) VS - Posts at 11PM 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)
Works:

BoA Alaska Airlines VisaDoes 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.




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Billpay at Walmart (2018 onwards)

Old Nov 28, 2018, 11:42 pm
  #556  
 
Join Date: Oct 2015
Posts: 116
Originally Posted by elegua
The payment done on Oct 24 was not the first for the Oct's payments but was the first for the Nov 30 rolling days, i have all my payments schedule on an excel spreadsheet and never have a payment denied, my starting day 1 is the last payment of the month, in this case Oct 24 (5 payments and 10k for Oct) so i can do only 8k payment before Nov 24 which i was able to do as you see on my previous post (i normally count 31 days after Oct 24 to do another payment), so after 31 days on Nov 24 i should be able to do another 2k payment but i normally do it after the Nov 25 to be sure and then because i already have the 10k payment for Nov, i use the first payment of Nov (Nov 3) as the first day for the next 30 rolling days so i will be able to do another payment on Dec 4 or after for 4k, after Dec 14 i should be able to do another 4k payment for a total of 8k and 2 payments or 2k payment for a total of 6k and 3 payments (5 max for Dec), and after Dec 24/25 another 2k payment (of 4k if you made a 2k payment on Dec 14) to finished with 10k and 3 or 4 payments that month, then on Jan/19 my first payment will be 31 days after the first payment done on Dec (previous month) and so on.

I'll try 2k payment today or tomorrow and we go from there, like a said before, that is the way i normally do it and so far never have any payment denied, i don't start my payments from 1 to 30 of the month but i always make sure to be under 5 payments and 10k on each month.

If my today payment or tomorrow failed then the is a limit of 8k that was implemented on Nov and no on October, let you know guys.

Update: Made another 2k payment today, now i have 10k payment in this month.

03-Nov-18 $4,000
14-Nov-18 $4,000
28-Nov-18 $2,000

Last edited by elegua; Nov 29, 2018 at 6:50 am
elegua is offline  
Old Nov 29, 2018, 12:13 am
  #557  
 
Join Date: Jun 2009
Location: DFW
Posts: 454
Originally Posted by cashcyclone
Based on my experience they track 8K based on ID number you present when you make your first payment. The ID you used to set up the payment in the app won't matter. Different ph# names and addresses won't matter.
Word on the street is that their system is the same as their returns fraud system, which is similar to the meth-check system at CVS, which links common names/ID types. You may get it through - but there's a really good chance it will tie them together. As always, YMMV.
horseymen is offline  
Old Nov 29, 2018, 7:47 am
  #558  
 
Join Date: May 2015
Posts: 1,066
Originally Posted by sowhatwegetdrunk
DOB meaning date of birth? It was some generic error. Right after they search for mastercard, enter amount, click continue and the system finds and adds the fee. Then swipe the credit card your are paying the bill to to get the account number. Then enter first name, last name, phone number. Then click continue. Boom. ERROR

How does the swiping relate for cross limit? Kroger does not get your id information. In fact the agent first fat fingered my first and last name initially and it didn't work as well. Phone number is different from whats on my walmart profile as well.
checkfreepay still has their own limits that are independent of walmart. Recall 5 per 30 days.
cdog999 is offline  
Old Nov 29, 2018, 10:19 am
  #559  
 
Join Date: Sep 2014
Posts: 1,837
Originally Posted by cdog999
checkfreepay still has their own limits that are independent of walmart. Recall 5 per 30 days.
I'm guessing this is per account?

I'm guessing this is why I could not BP one of my accounts.
lumangoy is offline  
Old Nov 29, 2018, 9:51 pm
  #560  
 
Join Date: Jun 2015
Posts: 1,727
Originally Posted by lumangoy
I'm guessing this is per account?

I'm guessing this is why I could not BP one of my accounts.
correct it’s per account. If you can get a 2nd cc number them good to go (Am3x, B@rcl@y$, and others) will do it.

I can also confirm the $8k limit.
Chelski is offline  
Old Nov 29, 2018, 9:59 pm
  #561  
 
Join Date: Jun 2015
Posts: 1,727
Originally Posted by elegua
Update: Made another 2k payment today, now i have 10k payment in this month.

03-Nov-18 $4,000
14-Nov-18 $4,000
28-Nov-18 $2,000
are you using wm or wmnm? Using the same acct?
Chelski is offline  
Old Nov 30, 2018, 2:23 am
  #562  
 
Join Date: Jun 2009
Location: DFW
Posts: 454
Also keep in mind with moneygram, once you've hit some certain unknown dollar amount, the card is likely to be permanently banned. So even if you diligently wait until the end of the month and run through numbers, you may be collecting refunds.
horseymen is offline  
Old Nov 30, 2018, 8:15 am
  #563  
 
Join Date: Nov 2015
Posts: 559
Originally Posted by horseymen
Also keep in mind with moneygram, once you've hit some certain unknown dollar amount, the card is likely to be permanently banned. So even if you diligently wait until the end of the month and run through numbers, you may be collecting refunds.
its not permanently banned. They have certain limit like 10k for CFP for a certain period ( may be rolling 30 days). Once you hit the limit , u r likely to get refunds eventhough it processed first time.

i have faced this and got refunds like 10 times ...before i was able to make the successful payment 11th time after some cooling period.
kingofkingsforu is offline  
Old Nov 30, 2018, 1:19 pm
  #564  
 
Join Date: Mar 2014
Location: America!
Programs: Hilton Diamond, Hyatt Explorist Caesars Wyndham Diamond, MGM Gold
Posts: 249
Originally Posted by cdog999
checkfreepay still has their own limits that are independent of walmart. Recall 5 per 30 days.
the card that i tried at kroger had only 2 CFP bill payments (totaling 4k) in last 30 days. so still not sure why I am getting the error

Last edited by sowhatwegetdrunk; Nov 30, 2018 at 1:30 pm
sowhatwegetdrunk is offline  
Old Dec 2, 2018, 2:16 pm
  #565  
 
Join Date: Oct 2017
Posts: 16
What cards are y'all BPing? Are there specific banks I should avoid that are very sensitive to this form of payment?
lstomberg is offline  
Old Dec 2, 2018, 2:48 pm
  #566  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by lstomberg
Are there specific banks I should avoid that are very sensitive to this form of payment?
B'clay and Ch4se are notorious frontliners.
Mamibear is offline  
Old Dec 2, 2018, 8:36 pm
  #567  
 
Join Date: Jun 2009
Location: DFW
Posts: 454
Originally Posted by Mamibear
B'clay and Ch4se are notorious frontliners.
Discov3r (is that how we obscure the name?) is also known for not liking anonymous bill pays..
horseymen is offline  
Old Dec 13, 2018, 10:19 am
  #568  
 
Join Date: Dec 2015
Location: DCA
Posts: 818
Has anyone tried using a Global Entry ID card to setup a new bill pay account? I would give it a shot but I lost mine awhile back. Would pay for a replacement if I could make another account with it though...
bodiddely is offline  
Old Dec 17, 2018, 10:57 am
  #569  
 
Join Date: Nov 2011
Posts: 766
I am also restating what a CSM told me; take this for what it is worth:

He told me after Jan 1, the registers will be "locked" to not allow split payments. He said it will only be one swipe per transaction. Obviously, no way to know if he is full of crap until Jan 1, but I am going to lay off until we know.
THEsocalledfan is offline  
Old Dec 18, 2018, 6:44 am
  #570  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by THEsocalledfan
I am also restating what a CSM told me; take this for what it is worth:

He told me after Jan 1, the registers will be "locked" to not allow split payments. He said it will only be one swipe per transaction. Obviously, no way to know if he is full of crap until Jan 1, but I am going to lay off until we know.
True or not, I'll max out my payments for this month. I have high hopes it'll still be BAU as far as limit of 4 swipes per trxn unless certain reps make their own rules and refuse split tender. Good to have other grocery stores/gas stations back ups.
Mamibear is offline  

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