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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 258562 times)

Offline ShlockDoc

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Re: Evolve Money - Another opportunity
« Reply #20 on: February 28, 2014, 12:05:39 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

Yes, I've been using it for BB overflow.  Wish they had more billers but am happy with the service...

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #21 on: February 28, 2014, 12:06:48 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
Which billers do you use?
Workflowy. You won't know what you're missing until you try it.

Offline PBaruch

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Re: Evolve Money - Another opportunity
« Reply #22 on: February 28, 2014, 12:07:47 PM »
Is it possible to pay a mortgage using multiples of 200 GC using this service?  Any issues in doing so?
What do you do after your dreams come true?

Offline sam i am

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Re: Evolve Money - Another opportunity
« Reply #23 on: February 28, 2014, 12:40:07 PM »
Is it possible to pay a mortgage using multiples of 200 GC using this service?  Any issues in doing so?
Yes you can use more than 1 gc per biller. I'm not sure if there is a max. limit. I just used 3 cards x2 to pay mine. They have a daily 1k limit. So if your mortgage is over that you either have to pay over 2 days, which might be a problem with some banks -- they'll apply partial payment to principal-- or if your spouse has an account, pay the rest through that one. Possibly you can pay over weekend and it would arrive on same business day.
« Last Edit: February 28, 2014, 02:36:51 PM by sam i am »

Offline sam i am

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Re: Evolve Money - Another opportunity
« Reply #24 on: February 28, 2014, 12:42:04 PM »
It sure beats having to get MOs at WM!  :P

Offline PBaruch

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Re: Evolve Money - Another opportunity
« Reply #25 on: February 28, 2014, 12:43:11 PM »
Yes you can usr more than 1 gc. I'm not sure if there is a limit. I just used 3 cards x2 to pay mine. They have a daily 1k limit. So if your mortgage is over that you either have to pay over 2 days, which might be a problem with some banks -- they'll apply partial payment to principal-- or if your spouse has an account, pay the rest through that one. Possibly you can pay over weekend and it would arrive on same business day.

Thanks.  Any idea how Wells Fargo works?
What do you do after your dreams come true?

Offline yitzf

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Re: Evolve Money - Another opportunity
« Reply #26 on: February 28, 2014, 01:21:40 PM »
Thanks.  Any idea how Wells Fargo works?

Wells Fargo with credit it to principal. You might be able to call them and have it reallocated.

You can try what Sam suggested to do it over the weekend so all payments arrive on Monday. I think it's a long shot, but might work.

Offline PBaruch

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Re: Evolve Money - Another opportunity
« Reply #27 on: February 28, 2014, 01:24:36 PM »
Wells Fargo with credit it to principal. You might be able to call them and have it reallocated.

You can try what Sam suggested to do it over the weekend so all payments arrive on Monday. I think it's a long shot, but might work.

Ok.  Thanks. 
What do you do after your dreams come true?

Offline bb1836

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Re: Evolve Money - Another opportunity
« Reply #28 on: February 28, 2014, 01:34:12 PM »
does ChargeSmart charge a %age to pay bills with a CC? or is it a free service?

Never Mind:
"Is there a fee to use this service?
Depending on the biller, there is either a blended fee (including a percentage of the transaction cost) or a flat fee associated with your transaction. The fee will be displayed prominently throughout the customer payment process before clicking "Pay This Bill" to submit a payment."
NOT KIDAI!
« Last Edit: February 28, 2014, 01:39:34 PM by bb1836 »
As @davidmal says: "Likes" feed the family

Offline sam i am

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Re: Evolve Money - Another opportunity
« Reply #29 on: February 28, 2014, 02:38:39 PM »
Thanks.  Any idea how Wells Fargo works?
I saw on FT that WF is very particular with payments being exact. Maybe call beforehand and see if they can notate on account that you will be doing multiple payments

Offline sam i am

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Re: Evolve Money - Another opportunity
« Reply #30 on: March 04, 2014, 12:58:23 PM »
My chase mortgage was just confirmed. Made multiple payments on same day. When entire amount due was paid, it cleared. So this frees up funds on my bb to pay cc bills. I see myself doing 2k a month easily with mortgage, car payment and utilities and doesn't appear to be any risk of shutdown as long as you follow rules. They clearly allow prepaid debit and GC as their rep posted on another blog.

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #31 on: March 04, 2014, 01:01:56 PM »
Cool! This could save trips to WM to unload OVs...
Workflowy. You won't know what you're missing until you try it.

Offline davidd75

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Re: Evolve Money - Another opportunity
« Reply #32 on: March 24, 2014, 01:02:25 PM »
 Surprising not more people are making use of this or talked about.   

Bought OV's at 7-eleven with Freedom and used them to pay my gas, water and  electric bills.  My mortgage is also a payee!

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #33 on: March 24, 2014, 01:15:27 PM »
i haven't yet found a 7-11 with OVs near me :)
Workflowy. You won't know what you're missing until you try it.

Offline davidd75

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Re: Evolve Money - Another opportunity
« Reply #34 on: March 24, 2014, 01:34:09 PM »
i haven't yet found a 7-11 with OVs near me :)
where do you live? I though all 7-eleven's have same merchandise?

Offline etech0

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Re: Evolve Money - Another opportunity
« Reply #35 on: March 24, 2014, 01:40:45 PM »
where do you live? I though all 7-eleven's have same merchandise?
Monsey. I tried the closest 2, and will have to keep at it I guess :)
Workflowy. You won't know what you're missing until you try it.

Offline Achas Veachas

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Re: Evolve Money - Another opportunity
« Reply #36 on: March 24, 2014, 02:11:29 PM »
Just saw this, neat.

Offline davidd75

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Re: Evolve Money - Another opportunity
« Reply #37 on: March 24, 2014, 03:41:41 PM »
Monsey. I tried the closest 2, and will have to keep at it I guess :)

try NJ in small towns where there are less DDF users :)

Offline Aerial Dag

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Re: Evolve Money - Another opportunity
« Reply #38 on: March 30, 2014, 05:24:26 PM »
Surprising not more people are making use of this or talked about.   

Bought OV's at 7-eleven with Freedom and used them to pay my gas, water and  electric bills.  My mortgage is also a payee!

I think the people who know about it are trying to keep it below radar for as long as possible  :-X

Offline chamdena

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Re: Evolve Money - Another opportunity
« Reply #39 on: March 30, 2014, 06:31:07 PM »
So, id like to meet thresholds by paying school loans.
Is evolve a good way?
Will it be considered eligible spending? What are the pros or cons?
Thanks for all the help!