Billpay at Walmart (2018 onwards)

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Old Apr 12, 21, 3:40 am   -   Wikipost
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Last edit by: ChrisFlyer66
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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.


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
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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.

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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.


For money order questions, check the following threads and their wiki posts:
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Old Apr 29, 21, 4:16 pm
  #1471  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 579
Originally Posted by daddyo_daddyo View Post
I can confirm. VISAs showing up, MCs not. Transactions are still getting declined using Meta VGCs.
Interesting, my transactions with VGC's went through fine today
HoKo is offline  
Old Apr 29, 21, 4:50 pm
  #1472  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 579
Originally Posted by mm1515 View Post
Anybody have recent experience using CFP to pay BofA Business Advantage Cash Rewards?
Just pay using the main account number listed on the top of the statement?

I signed up for the $750 bonus after spending $5k

The Wiki above seems to have contradictory Information regarding BofA business cards.
Originally Posted by ricohitman View Post
Yes, use the main account number, not the card number. Although if you pay the card number it still posts fine. Just looks weird on the BOA site.
Which payee are you guys using - "Bank of America Business card" ?

Also, does BofA tend to be sensitive to BP's?
HoKo is offline  
Old Apr 29, 21, 5:22 pm
  #1473  
sow
 
Join Date: Apr 2021
Posts: 24
Originally Posted by HoKo View Post
Which payee are you guys using - "Bank of America Business card" ?

Also, does BofA tend to be sensitive to BP's?
yep that payee has worked for me.

always been fine but never hit it too hard. When Iíve heard of shut downs in general ,itís the large bill pays done in store IME, not the smaller volume thatís spread out over time in-app.
sow is offline  
Old Apr 30, 21, 4:27 am
  #1474  
 
Join Date: Nov 2010
Location: ONT
Programs: AGR, UA, AA
Posts: 468
Originally Posted by HoKo View Post
Interesting, my transactions with VGC's went through fine today
Tried it again today on a Meta VGC and still declining.
calwatch is offline  
Old Apr 30, 21, 8:10 am
  #1475  
 
Join Date: Feb 2018
Posts: 145
Originally Posted by HoKo View Post
Which payee are you guys using - "Bank of America Business card" ?

Also, does BofA tend to be sensitive to BP's?
Both BoA payees should work - but I try to avoid bill pays to issuers I'd be upset to have a shutdown from. Doesn't mean it's not safe, but not worth the added risk when you can send to smaller issuers you DGAF about.
SideShowBob is offline  
Old Apr 30, 21, 9:01 am
  #1476  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 579
Originally Posted by sow View Post
yep that payee has worked for me.

always been fine but never hit it too hard. When Iíve heard of shut downs in general ,itís the large bill pays done in store IME, not the smaller volume thatís spread out over time in-app.
Originally Posted by SideShowBob View Post
Both BoA payees should work - but I try to avoid bill pays to issuers I'd be upset to have a shutdown from. Doesn't mean it's not safe, but not worth the added risk when you can send to smaller issuers you DGAF about.
thanks guys
HoKo is offline  
Old May 1, 21, 1:16 am
  #1477  
 
Join Date: Jan 2016
Posts: 124
Originally Posted by calwatch View Post
Tried it again today on a Meta VGC and still declining.
Which bin?
Whittaker is offline  
Old May 7, 21, 12:45 pm
  #1478  
 
Join Date: Dec 2018
Posts: 27
Tried today and got "Transaction Declined We're sorry, unfortunately we are unable to process this transaction. Tap done to close this screen." I've never seen this one before and I got it before it even asked me to verify identity. Anyone know what this means?

Last edited by Ijag77; May 7, 21 at 12:47 pm Reason: incomplete
Ijag77 is offline  
Old May 7, 21, 12:56 pm
  #1479  
 
Join Date: Mar 2009
Posts: 1,734
Originally Posted by Ijag77 View Post
Tried today and got "Transaction Declined We're sorry, unfortunately we are unable to process this transaction. Tap done to close this screen." I've never seen this one before and I got it before it even asked me to verify identity. Anyone know what this means?
Yes, read the thread and you'll see this happens a lot.
danpeake is offline  
Old May 7, 21, 1:06 pm
  #1480  
 
Join Date: Dec 2018
Posts: 27
Originally Posted by danpeake View Post
Yes, read the thread and you'll see this happens a lot.
Ah yes I see that now, but I'm still not clear on what actually causes it? Is it just a random glitch that comes and goes? Thanks!
Ijag77 is offline  
Old May 7, 21, 1:37 pm
  #1481  
 
Join Date: Mar 2009
Posts: 1,734
Originally Posted by Ijag77 View Post
Ah yes I see that now, but I'm still not clear on what actually causes it? Is it just a random glitch that comes and goes? Thanks!
No one knows for sure. Were you using a Metabank GC? Those are likely blocked.
danpeake is offline  
Old May 7, 21, 4:40 pm
  #1482  
 
Join Date: Jul 2020
Posts: 40
So I guess Iím late to the party but MCGC is broken/blocked? Hmm.
yepperoni is offline  
Old May 7, 21, 5:32 pm
  #1483  
 
Join Date: Feb 2018
Posts: 145
Originally Posted by yepperoni View Post
So I guess Iím late to the party but MCGC is broken/blocked? Hmm.
Also some Visa BINs and some real debit cards. 🤦‍♂️
yepperoni likes this.
SideShowBob is offline  
Old May 8, 21, 8:53 am
  #1484  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 579
Originally Posted by yepperoni View Post
So I guess Iím late to the party but MCGC is broken/blocked? Hmm.
Originally Posted by SideShowBob View Post
Also some Visa BINs and some real debit cards. 🤦‍♂️
Yep, My Visa GC's are still working fine...but MCGC doesn't even show up as an available payment method when doing BP's.

Has anyone successfully used a MCGC in roughly the past week?
HoKo is offline  
Old May 9, 21, 10:12 pm
  #1485  
 
Join Date: Nov 2015
Posts: 518
Originally Posted by HoKo View Post
Yep, My Visa GC's are still working fine...but MCGC doesn't even show up as an available payment method when doing BP's.

Has anyone successfully used a MCGC in roughly the past week?
Following are not even showing up as payment option

1) Vanilla Visa
2) Meta Mastercard

Is Meta Visa working fine ?
kingofkingsforu is offline  

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