Topic Wiki

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 160233 times)

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8147
  • Total likes: 19
  • DansDeals.com Hat Tips 18
    • View Profile
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 2592
  • Total likes: 29
  • DansDeals.com Hat Tips 4
    • View Profile
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 4671
  • Total likes: 212
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
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?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline yitzf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 2592
  • Total likes: 29
  • DansDeals.com Hat Tips 4
    • View Profile
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8147
  • Total likes: 19
  • DansDeals.com Hat Tips 18
    • View Profile
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 9411
  • Total likes: 323
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8147
  • Total likes: 19
  • DansDeals.com Hat Tips 18
    • View Profile
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 9411
  • Total likes: 323
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
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

  • DansDeals Copper Elite
  • *
  • Join Date: Feb 2014
  • Posts: 1
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: California
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 4671
  • Total likes: 212
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
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.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline dovy2

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2012
  • Posts: 1784
  • Total likes: 18
  • DansDeals.com Hat Tips 24
    • View Profile
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 2592
  • Total likes: 29
  • DansDeals.com Hat Tips 4
    • View Profile
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8147
  • Total likes: 19
  • DansDeals.com Hat Tips 18
    • View Profile
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2013
  • Posts: 4671
  • Total likes: 212
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Poland
  • Programs: DAOTYA
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?  :-\
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8147
  • Total likes: 19
  • DansDeals.com Hat Tips 18
    • View Profile
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.