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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 Sep 4, 2021, 9:21 am
  #1741  
 
Join Date: Apr 2013
Posts: 26
Originally Posted by gatorboy
Curious for any DPs on trying to pay Citibank through the app (on iPhone). I’ve had no problem with Discover, and reluctant to pay Chase. But have paid Citi successfully in the past. Last several weeks though I automatically get a “transaction declined” before even getting to identity verification. So wondering if Citi just doesn’t work anymore. I’ve tried two different Citi cards and have tried re-inputting the card number but no luck.
paid my Sears Citi card Aug. 31, payment posted Sep. 1.
mm1515 is offline  
Old Sep 4, 2021, 10:32 am
  #1742  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Originally Posted by gatorboy
Curious for any DPs on trying to pay Citibank through the app (on iPhone). I’ve had no problem with Discover, and reluctant to pay Chase. But have paid Citi successfully in the past. Last several weeks though I automatically get a “transaction declined” before even getting to identity verification. So wondering if Citi just doesn’t work anymore. I’ve tried two different Citi cards and have tried re-inputting the card number but no luck.
Have you tried paying it as Mastercard biller?
littlewinglet is offline  
Old Sep 4, 2021, 11:31 am
  #1743  
 
Join Date: Apr 2001
Location: WashDC - AA Lifetime Gold, UA Premier Gold, Marriott Titanium Lifetime, Hilton Diamond, Cal Tort Burrito Elito
Posts: 270
Originally Posted by littlewinglet
Have you tried paying it as Mastercard biller?
I haven’t but will give it a shot. Thx.
gatorboy is offline  
Old Sep 4, 2021, 11:49 am
  #1744  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Originally Posted by gatorboy
I haven’t but will give it a shot. Thx.
If you never or rarely paid it under MC biller, it should work. However, I suspect that some back-end blocking/throttling is going on, between WM and CFP, of heavily used account combinations.
littlewinglet is offline  
Old Sep 4, 2021, 3:07 pm
  #1745  
 
Join Date: Jul 2014
Location: JRF
Programs: AA Gold, Marriott Platinum, Hilton Diamond, National Executive Elite
Posts: 1,784
Speaking of MasterCard as a biller, has anyone ever attempted to pay Apple Card (Goldman Sachs) through it? Apple Card (Goldman Sachs) actually shows up as a biller in the app, but always errors out after entering account number. Would love to try paying it by some other means...
msp3 is offline  
Old Sep 4, 2021, 3:51 pm
  #1746  
 
Join Date: Apr 2001
Location: WashDC - AA Lifetime Gold, UA Premier Gold, Marriott Titanium Lifetime, Hilton Diamond, Cal Tort Burrito Elito
Posts: 270
Originally Posted by littlewinglet
If you never or rarely paid it under MC biller, it should work. However, I suspect that some back-end blocking/throttling is going on, between WM and CFP, of heavily used account combinations.
Thanks for the tip. It worked. Hopefully I’ll get a little mileage out of it before it starts declining too.
gatorboy is offline  
Old Sep 4, 2021, 9:22 pm
  #1747  
 
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
So what is safe to BP on? I've read its a shutdown risk for Chase and you can't buy GCs on Amex anyway. COuld I buy 10K of GCs with Chase then do a balance transfer to Discover or another bank, then BP that off with the GCs?
bbriscoe34 is offline  
Old Sep 4, 2021, 10:20 pm
  #1748  
 
Join Date: Sep 2021
Posts: 40
Trying to get started on WMBP via online, however, I only have the option to start and save a biller on the app and pay in-store. Is this due to the new version of the WM app? Sorry, I am new to this method. Thank you for any inputs.
bbriscoe34 likes this.
foryoureyesonly is offline  
Old Sep 4, 2021, 10:45 pm
  #1749  
 
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,676
Originally Posted by bbriscoe34
So what is safe to BP on? I've read its a shutdown risk for Chase and you can't buy GCs on Amex anyway. COuld I buy 10K of GCs with Chase then do a balance transfer to Discover or another bank, then BP that off with the GCs?
No credit cards are completely safe to BP on (via WM), but anecdotally Banks other than Citi and Chase are relatively tolerant of it.
ChrisFlyer66 is offline  
Old Sep 5, 2021, 4:38 am
  #1750  
 
Join Date: Mar 2009
Posts: 2,295
Originally Posted by foryoureyesonly
Trying to get started on WMBP via online, however, I only have the option to start and save a biller on the app and pay in-store. Is this due to the new version of the WM app? Sorry, I am new to this method. Thank you for any inputs.
I think you have to do at least one in store before it will let you do it online. They'll verify your ID information
danpeake is offline  
Old Sep 5, 2021, 10:23 am
  #1751  
 
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
Originally Posted by ChrisFlyer66
No credit cards are completely safe to BP on (via WM), but anecdotally Banks other than Citi and Chase are relatively tolerant of it.
Has anyone used this to pay down a HELOC? Seems like you could make quite a few $700 payments per month, then just take another draw on the HELOC - as long as that doesn't tick the bank off?
bbriscoe34 is offline  
Old Sep 5, 2021, 11:00 am
  #1752  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Originally Posted by bbriscoe34
Has anyone used this to pay down a HELOC? Seems like you could make quite a few $700 payments per month, then just take another draw on the HELOC - as long as that doesn't tick the bank off?
It's been done by some, reported as random DPs over past 3-4 years. Apparently HELOC T&C preclude it from being randomly closed without reason. The bigger question is how much do you incur in fees from opening the account, and periodically "borrowing" from it. Seeing how now CFP can randomly block accounts, would be a big waste of time to open one of these only to have it non-functional after 4-5 months.
littlewinglet is offline  
Old Sep 5, 2021, 12:39 pm
  #1753  
 
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
Originally Posted by littlewinglet
It's been done by some, reported as random DPs over past 3-4 years. Apparently HELOC T&C preclude it from being randomly closed without reason. The bigger question is how much do you incur in fees from opening the account, and periodically "borrowing" from it. Seeing how now CFP can randomly block accounts, would be a big waste of time to open one of these only to have it non-functional after 4-5 months.
I already have one open though with very little debt. It doesn't cost anything to write new checks on it, and the interest rate if very low - and if I understand it correctly, they only charge on the outstanding daily balance for each day of the period.

What do you mean by CFP - who are they and how/why do they block accounts?
bbriscoe34 is offline  
Old Sep 5, 2021, 4:14 pm
  #1754  
 
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
Originally Posted by danpeake
I think you have to do at least one in store before it will let you do it online. They'll verify your ID information
So do you have to use a US Bank card the first time or do Simon's work at Moneycenter for billpay somehow?

Also can you split tender in the app after you are setup?
bbriscoe34 is offline  
Old Sep 5, 2021, 4:17 pm
  #1755  
 
Join Date: Mar 2009
Posts: 2,295
Originally Posted by bbriscoe34
So do you have to use a US Bank card the first time or do Simon's work at Moneycenter for billpay somehow?

Also can you split tender in the app after you are setup?
You have to successfully complete a BP from my memory - but it's been years. And no; one card in the app.
danpeake is offline  


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