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Evolve Money – Online billpay service

Pay bills from Evolve’s list of payees, including mortgage, utilities, insurance and “store” credit card, e.g., Macy’s, Gap, Walmart (but NOT regular credit cards or store co-branded CC, like a Walmart Discover or BR Visa).

If a particular biller is not listed, you can try emailing Evolve to add it. They seem to respond quite quickly to inquiries, and they will ask you to send a copy of your bill. Some people have had success in seeing their billers added. The billers need to agree to be a part of some kind of Mastercard processing consortium, which may or may not work for you billers.

Daily dollar limits include:

$2,999.00 in payments, of which up to $999.00 may be funded by cash load packs
Individual bill pay dollar limits include:

$2,999.00 for a single bill funded by a debit card and/or credit card
$999.00 for a single bill funded by a cash load pack
Note: You cannot make more than $10,000 worth of payments per month for credit, debit, and cash load packs.

Monthly payment limits include:

4 payments per month per biller account number using a credit or debit card within the dollar limits listed above.
Unlimited number of payments per month per biller account number using a cash load pack within the dollar limits listed above.

Check with your bank whether they accept partial payments and payments made over a couple of days. (Paying over weekend might arrive on same day.) You will also want to be in touch with your bank the first month you do this to make sure that the payments don't automatically apply to principal, or that your automatic payment (if you have one) doesn't ALSO get taken out. Don't assume that your bank will handle everything perfectly without your involvement, and - especially the first month - make sure you have all payments in with a few days to spare at least so that they can sort it out without also having to worry that the payment will be late.

You can pay bills for no fee with REloadIt packs that can be purchased, Evolve Money credits and with a debit card from "major banks". There are reports that US Bank issued MGCs work fee free as well. Each card counts as one payment toward the four payment limit.

For a 3% fee you can pay with a Visa, MC and Discover CCs.

In the past there was a glitch and certain CCs did work. But after this was publicized, the glitch was closed. 

How
Sign up.
Add new bill.
Then pay with a ReLoadit packs, debit, prepaid(?) or Gift Card(?).

« Last edited by hvaces42 on March 11, 2015, 05:24:11 PM »

Author Topic: Evolve Money - Another opportunity  (Read 255562 times)

Offline Drago

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Evolve Money - Another opportunity
« on: February 10, 2014, 01:51:09 PM »
I don't have patience to write too much about it, but it seems like a good way to drain debit and prepaid cards by doing bill pay for thousands of merchants and utilities.

More details in the following locations.
http://boardingarea.com/frequentmiler/2014/02/10/pay-bills-online-with-debit-and-prepaid-cards/

http://www.flyertalk.com/forum/manufactured-spending/1541638-evolve-money.html

And an interview they did w/ a blogger. (They seem to be on FT as well.)
http://freequentflyerbook.com/blog/2014/2/8/interview-with-alex-at-evolve-money

Offline yitzf

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Re: Evolve Money - Another opportunity
« Reply #1 on: February 10, 2014, 02:00:38 PM »
Not all at once.

The answer,
You can't pay CC bills with this service.

Offline CountValentine

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Re: Evolve Money - Another opportunity
« Reply #2 on: February 10, 2014, 02:02:51 PM »
Can I pay a CC with this? Would that be an endless loop?
Only on DDF does 24/6 mean 24/5/half/half

Offline yitzf

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Re: Evolve Money - Another opportunity
« Reply #3 on: February 10, 2014, 02:05:03 PM »
Can I pay a CC with this? Would that be an endless loop?

Not all at once.

The answer,
You can't pay CC bills with this service.

Offline Drago

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Re: Evolve Money - Another opportunity
« Reply #4 on: February 10, 2014, 02:06:30 PM »
Not all at once.

The answer,
You can't pay CC bills with this service.
Correct, but I think I saw that they may add in that ability in future updates.
And the debit rewards cards can be helpful for ppl.

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #5 on: February 10, 2014, 02:13:08 PM »
Can I pay a CC with this? Would that be an endless loop?
Maybe that's why they're calling it evolve??
Workflowy. You won't know what you're missing until you try it.

Offline Drago

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Re: Evolve Money - Another opportunity
« Reply #6 on: February 10, 2014, 02:14:20 PM »
Maybe that's why they're calling it evolve??
ka da boom
Let me guess, you'll be here all night.
:)

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #7 on: February 10, 2014, 02:15:09 PM »
ka da boom
Let me guess, you'll be here all night.
:)

In order to understand recursion, one must first understand recursion.
Workflowy. You won't know what you're missing until you try it.

Offline justablewar

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Re: Evolve Money - Another opportunity
« Reply #8 on: February 10, 2014, 02:28:35 PM »


Everyone should check out https://www.chargesmart.com/pay. This is a very sustainable business, unlike Evolve, and you able to pay the same mortgages, auto loans, student loans, and utilities using a debit or credit card. There is another positive that Evolve doesn't have... you are able to pay your credit card off using your debit card.

Offline CountValentine

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Re: Evolve Money - Another opportunity
« Reply #9 on: February 10, 2014, 02:30:55 PM »
They charge a 2%+ fee and this one is no fee. This is a hard choice.
Only on DDF does 24/6 mean 24/5/half/half

Offline dovy2

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Re: Evolve Money - Another opportunity
« Reply #10 on: February 10, 2014, 02:34:49 PM »
can we [the international mile movement] just keep it quiet till evolve evolves into something useful for us, and then hit 'em up... all the talk and hype about it now will just cause them not to add major cc companies...

Offline yitzf

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Re: Evolve Money - Another opportunity
« Reply #11 on: February 10, 2014, 02:39:48 PM »
Correct, but I think I saw that they may add in that ability in future updates.
Yes, but they specifically said that PrePaid gift cards wont be an option for CC payments.

And the debit rewards cards can be helpful for ppl.

Absolutely, I didn't mean to minimize the beauty of this, rather I was trying to answer the question that I'm sure was (or should of been) on everyone's mind.

Offline Drago

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Re: Evolve Money - Another opportunity
« Reply #12 on: February 10, 2014, 02:47:54 PM »
can we [the international mile movement] just keep it quiet till evolve evolves into something useful for us, and then hit 'em up... all the talk and hype about it now will just cause them not to add major cc companies...
Have you seen the FT thread?
We're tiny compared to them.

Everyone should check out https://www.chargesmart.com/pay. This is a very sustainable business, unlike Evolve, and you able to pay the same mortgages, auto loans, student loans, and utilities using a debit or credit card. There is another positive that Evolve doesn't have... you are able to pay your credit card off using your debit card.
Welcome. Ideally, it would be great if a rep of the company could join DDF and explain it's uses, rather than just a stranger like you.

They charge a 2%+ fee and this one is no fee. This is a hard choice.
I'm not sure why you're struggling with this decision. 0% is lower than 2%. (I have a math degree.)

Offline CountValentine

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Re: Evolve Money - Another opportunity
« Reply #13 on: February 10, 2014, 02:51:40 PM »
I'm not sure why you're struggling with this decision. 0% is lower than 2%. (I have a math degree.)
I was taught that bigger is better. See the conflict?  :-\
Only on DDF does 24/6 mean 24/5/half/half

Offline Drago

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Re: Evolve Money - Another opportunity
« Reply #14 on: February 10, 2014, 03:03:24 PM »
I was taught that bigger is better. See the conflict?  :-\
That's very inappropriate for this type of forum.

Offline ChargeSmart Marketing

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Re: Evolve Money - Another opportunity
« Reply #15 on: February 10, 2014, 04:17:50 PM »
Have you seen the FT thread?
We're tiny compared to them.
Welcome. Ideally, it would be great if a rep of the company could join DDF and explain it's uses, rather than just a stranger like you.
I'm not sure why you're struggling with this decision. 0% is lower than 2%. (I have a math degree.)

Wow! saw a Google Alert and decided to join! Great to join DDF and I see you all want some explanation into our company's uses compared to Evolve.

There are plenty of advantages of using ChargeSmart compared to Evolve, as we look through their site.

- ChargeSmart allows you to pay any bill with a credit card, unlike Evolve, and that is very important for customer's reward programs. We allow you to pay using a credit card on any bill, even mortgages, and we also give you the opportunity to pay your credit card using a debit card.

- By using ChargeSmart the entire amount that is charged from your debit or credit card goes down as a regular retail purchase (Yes! even your mortgage payment), thus gaining all your rewards points from that purchase. Anyone who is a reward points fanatic, getting those reward points is crucial!

- Unlike many of these Bill Paying Services, ChargeSmart has an extremely helpful support team on call or email ready to assist, which is important because our customers have many different billers on their account  and use our support team to bring clarity each individual (always great to talk with someone about your account, too).

The biggest things that jumps out to us is that Evolve doesn't widely accept credit cards like ChargeSmart does (We accept Visa, MasterCard and Discover. American Express can also be used for utility payments as well), you are able to pay your credit card off on ChargeSmart, ChargeSmart has a very seemless 3-step payment process vs. Evolve's multiple webpage payment process layout, and ChargeSmart Support is right there anytime you need them.

Evolve seems to be undercutting all of its competition with their price, but as we have seen before in this very competitive market, this concept is very unsustainable. Many businesses try to claim awareness in the bill paying market and eventually their resources run out and have to spike their prices considerably.

Thanks everyone and look forward to continuing the discussion!

Offline ShlockDoc

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Re: Evolve Money - Another opportunity
« Reply #16 on: February 10, 2014, 05:33:36 PM »
You can see the list of Evolve's available payees without creating an account/logging in by going to this link:

https://pay.evolvemoney.com/opp/main_payment_page.jsp?resourceAppId=6#searchBiller

Offline MeirS

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Re: Evolve Money - Another opportunity
« Reply #17 on: February 10, 2014, 08:03:08 PM »
You can see the list of Evolve's available payees without creating an account/logging in by going to this link:

https://pay.evolvemoney.com/opp/main_payment_page.jsp?resourceAppId=6#searchBiller
No way!! I should of seen this before I did all the work myself (click "continue as guest" twice)

Offline sam i am

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Re: Evolve Money - Another opportunity
« Reply #18 on: February 28, 2014, 12:00:22 PM »
Has anyone been using this? I've been able to drain a couple of GCs with it. I don't think you can do big MS with it since you can only pay billers that are in system, but it has potential for 2-3k a month

Offline PBaruch

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Re: Evolve Money - Another opportunity
« Reply #19 on: February 28, 2014, 12:04:56 PM »
Has anyone been using this? I've been able to drain a couple of GCs with it. I don't think you can do big MS with it since you can only pay billers that are in system, but it has potential for 2-3k a month

Unless they add the option to pay CC, its probably of very limited use. 
What do you do after your dreams come true?