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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)

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Old Jul 27, 2021, 4:41 pm
  #1651  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 672
Originally Posted by wiivile
yes they will shut you down. chase is the single most sensitive issuer.
Where does Citi fall in the sensitivity spectrum?
HoKo is offline  
Old Jul 27, 2021, 4:43 pm
  #1652  
 
Join Date: Nov 2013
Location: NYC
Programs: BA
Posts: 954
Originally Posted by HoKo
Where does Citi fall in the sensitivity spectrum?
next highest after Chase. Chase and Citi have the lowest tolerance for this kind of behavior because they primarily service high fraud markets like big cities.
wiivile is offline  
Old Jul 30, 2021, 10:24 am
  #1653  
 
Join Date: Jun 2001
Posts: 782
Originally Posted by hoansteph
Hi guys, this is my first post in the flyer talk forums.

I initiated some payments (Using VGCs from staples) to my checking account at Bank of the West using Check Free Pay in WMBP on June 30. It's been 23 days and they still haven't arrived.

These are my first payments, but feel like this too long. Should I wait, or start calling people?
If this is thru western union, you will get a letter from western union saying your bank declined the payment and the letter will have payment information for a refund. The refund can not be done at WM. You will have to go to a "real" western union store (supermarket or drug store) and get your refund. They will not refund the initial fee.
gw14 is offline  
Old Jul 30, 2021, 11:18 am
  #1654  
 
Join Date: Jun 2020
Posts: 170
Originally Posted by gw14
If this is thru western union, you will get a letter from western union saying your bank declined the payment and the letter will have payment information for a refund. The refund can not be done at WM. You will have to go to a "real" western union store (supermarket or drug store) and get your refund. They will not refund the initial fee.
OP said CFP.
CerealCardSpender is offline  
Old Jul 30, 2021, 1:21 pm
  #1655  
 
Join Date: Mar 2016
Location: Washington DC
Programs: AA EXP IHG Diamond Marriott Gold Hilton Diamond
Posts: 151
Keep getting the dreaded "Transaction Declined" no matter what I do.
I don't think I have hit the rolling $8K
Tried the links above, but no luck.
I am using $700 simons to bill pay Chase Credit Card and/or VISA and/or Mastercard
worldtraveler303 is offline  
Old Jul 30, 2021, 9:46 pm
  #1656  
 
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,677
Originally Posted by worldtraveler303
Keep getting the dreaded "Transaction Declined" no matter what I do.
I don't think I have hit the rolling $8K
Tried the links above, but no luck.
I am using $700 simons to bill pay Chase Credit Card and/or VISA and/or Mastercard
Me too
ChrisFlyer66 is offline  
Old Jul 31, 2021, 3:08 pm
  #1657  
 
Join Date: Nov 2010
Location: ONT
Programs: AGR, UA, AA
Posts: 476
Originally Posted by wiivile
next highest after Chase. Chase and Citi have the lowest tolerance for this kind of behavior because they primarily service high fraud markets like big cities.
There's also a difference between one occasional payment and five a month. I save the five a month for my HELOC and Discover.
calwatch is offline  
Old Jul 31, 2021, 9:29 pm
  #1658  
 
Join Date: Nov 2015
Posts: 559
kingofkingsforu is offline  
Old Jul 31, 2021, 9:31 pm
  #1659  
 
Join Date: Nov 2015
Posts: 559
Above is my payment history...and transaction declined error info....someone try to figure out the new limits
kingofkingsforu is offline  
Old Jul 31, 2021, 9:55 pm
  #1660  
sow
 
Join Date: Apr 2021
Posts: 60
My rolling 30 day is just under 4k, and I’m getting declined.
sow is offline  
Old Aug 1, 2021, 6:59 am
  #1661  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Originally Posted by kingofkingsforu
Above is my payment history...and transaction declined error info....someone try to figure out the new limits
I've been unable to set up any MG payments in-app since a month ago, but it works ok in the store. Some of my CFP payers seem to suffer the same fate, on and off, but most still function in-app under $500.
littlewinglet is offline  
Old Aug 1, 2021, 8:28 am
  #1662  
 
Join Date: Feb 2018
Posts: 165
Originally Posted by Taxiback
Are there any banks that don't care? or are they all like chase?
all the answers above are good. I’d just add I don’t billpay any accounts I’d be unwilling to lose. There are many CUs that are payees and issue CCs those are safer both because CUs are often clueless but I also don’t care if I’m shut down (I care but only from a WM BP point of view)
SideShowBob is offline  
Old Aug 1, 2021, 12:16 pm
  #1663  
 
Join Date: Nov 2015
Posts: 559
Also today , i was getting transaction declined error when using ' BOA' , 'Barclay card ' or 'Chase' as biller. But immediately was able to pay for the same account using visa / master card as biller.

I have used ' BOA' , 'Barclay card ' or 'Chase' as biller and was able to pay , even 2 days before.
kingofkingsforu is offline  
Old Aug 1, 2021, 3:22 pm
  #1664  
 
Join Date: Mar 2004
Location: Atl
Posts: 253
I defy anyone to come up with the BP app rules that actually apply to everyone in all circumstances.
trey is offline  
Old Aug 1, 2021, 4:22 pm
  #1665  
 
Join Date: Nov 2010
Location: ONT
Programs: AGR, UA, AA
Posts: 476
Yeah, yesterday it acted funky, denying even payments to my gas bill but today BAU on the app. Weird but you have to roll with it and don’t have more cards than you can float.
ChrisFlyer66 likes this.
calwatch is offline  


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