Complete guide to Plastiq credit card payments

Plastiq is an online bill payment service that lets you pay almost all of your bills by credit card.  This can be a great way to reach spend targets for new credit card signup bonuses.  Unlike a few similar services, Plastiq is not limited to billers in their database.  Plastiq can be used to pay nearly any biller in the US. or Canada.  Payees not in their database are paid by check.

The catch?  A fee is charged to the payer (not the payee) for each payment.

plastiq-home-page

Quick info

  • Standard credit card fee:  2.5%, but lower promotional rates are sometimes available.
  • Standard debit card fee: 1%. Unfortunately, gift cards and prepaid cards are treated as credit cards.
  • Visa, MasterCard, Discover, and Amex cards are accepted
  • Credit card payments count as purchases, not as cash advances (Note: As of 10/19/16 Visa payments where the payee has no relationship with Plastiq may be put through as a cash advance. If you don’t get a warning, then you’re fine. More info here.)
  • Amex gift cards, and Visa and MasterCard gift cards are accepted.  Plastiq sometimes imposes a limit on the number of gift cards that can be used per month, but this seems to happen only to particular users.
  • Plastiq sometimes requires proof that you are paying a legitimate expense. They may ask you to email an invoice, for example.
  • Plastiq does not submit tax forms on behalf of customers or payees
  • Some people have asked if they can have checks that are addressed to others sent to their own house so that they can submit the check with a payment stub or so they can hand the check to the payee directly.  Plastiq does not allow this.

What Works? What Doesn’t?

* In rare cases with lesser known banks, mortgage payments have been known to process despite this rule.

** You can avoid cash advance warnings by making an initial payment to this recipient with a different type of credit card. Future Visa payments will then be OK.  For more details see: How to dodge Plastiq cash advance fees.

*** Amex payments are limited to the following industries:

  • For Recipients in the United States, the use of American Express cards is permitted for the following industries: Government, Utilities, Education, Residential Rent and Club Fees and Memberships.
  • For Recipients in Canada, the use of American Express cards is permitted for the following industries: Government, Utilities, School, School K-12 and Residential Rent.
Caution: Plastiq has announced a temporary change to the way Visa credit cards are handled:
  1. Payments using personal Visa cards issued by Chase will be subject to a lower limit of 20% of your credit limit.
  2. Payments using personal Visa cards from other issuers (other than Capital One) will code as a cash advance. That means you’d incur cash advance fees and wouldn’t earn any credit card rewards.
  3. The following types of Visa cards are not affected by these changes: Capital One personal Visa cards, Visa business credit cards, Visa corporate, debit and prepaid gift cards.
Full details about Plastiq can be found here: Complete Guide to Plastiq credit card payments.

Referral Program

If you are new to Plastiq and you sign up through a friend-referral, you’ll earn 500 Fee-Free dollars (FFDs) once you’ve paid $500 worth of bills with Plastiq.  FFDs are used to make payments without fees. 500 Fee-Free dollars means that you can pay $500 worth of bills for free (so 500 FFDs are worth 2.5% of $500 = $12.50).

The deal gets even better when you refer friends.  For every person who registers with Plastiq via your referral link, you’ll get 1000 FFDs (worth $25) and that person will get 500 FFDs once they’ve paid $500 worth of bills with Plastiq.

If you’re new to Plastiq, consider using my referral link with my thanks: plastiq.com/frequentmiler.

Is Plastiq reliable?

I’ve made many bill payments through Plastiq and haven’t had any serious problems. In my experience, payments are typically delivered in about a week, but sometimes take as long as 2 weeks.

However, quite a few readers have reported problems with Plastiq.  Reported issues include:

  • Errors when trying to make payments (Note: this happened to me when I tried to schedule a recurring payment with a new payment source. After I made a single immediate payment, the problem cleared up)
  • Extremely long payment delivery times
  • Extremely long wait for a returned payment to be re-credited (Note: I had one cancelled payment which was re-credited immediately so YMMV)
  • Requirement to send rental agreement or invoice to Plastiq support when paying individuals

If you plan to try out Plastiq, I highly recommend submitting payments far in advance of their due date until you get a better idea of how long those payments take to process by Plastiq and by the payee.

Reasons to consider paying bills with Plastiq

Since Plastiq charges a fee for credit card payments, I wouldn’t recommend using Plastiq to pay bills that can already be paid by credit card with no fee.  For those bills that can’t already be paid by credit card, though, there are a number of reasons to consider Plastiq:

  • Easy way to meet credit card bonus minimum spend requirements.  See: Best credit card offers.
  • Earn credit card rewards.  It is ideal to use Plastiq when the value of your credit card rewards outweigh Plastiq’s fee.  See: Best rewards for everyday spend.
  • Earn credit card “big spend” bonuses (bonus points, free nights, companion tickets, elite status, etc.).  See: Best Big Spend Bonuses.
  • Some credit cards and debit cards offer rewards for frequent use. One example is the Amex Everyday Preferred card that offers a 50% bonus for every billing cycle in which you make 30 eligible charges.  Plastiq can be used, for example, to make weekly payments to a variety of payees in order to help increase your per month charges.
  • Convenient to consolidate all bill payments to a single service and/or credit card.
  • It is safer to pay by credit card for services or goods not yet fully delivered because it gives you the ability to initiate a credit card chargeback if the payee doesn’t deliver as promised.
  • Plastiq makes it possible to pay bills when you do not have the cash readily available. While it is never a good idea to go into credit card debt, paying by credit card can give you more time to get the required funds.

Example Payments

Almost any business or person in any industry and for any amount can be paid on Plastiq so long as there is a good/service being provided. This list should give you some ideas, but please check against the chart above to see which credit card types allow each type of payment:

  • Car payments (monthly leases)
  • Rent
  • Mortgage (NOTE: Amex and Visa credit cards cannot be used to make mortgage payments)
  • Taxes
  • Tuition
  • Condo fees
  • Insurance
  • Contractors
  • Nannies, babysitters
  • Landscapers
  • Purchase car, boat
  • Professional services: Law firms, Accounting firms, PR agencies, etc.
  • Sports clubs/country clubs/social clubs

Special notes:

  • Payments to individuals are allowed in exchange for goods and/or services but you may need to supply an invoice to Plastiq to get the payment through
  • Payments from outside of the US/Canada are allowed as long as recipient is in US/Canada

Payments not allowed

  • Payments to credit cards
  • Payments to self
  • Payments to friends or relatives*
  • Payments to recipients outside Canada and US (note, the sender can be from outside Canada and US, just not the recipient)
  • Payments to savings accounts, trust accounts, retirement accounts, health savings accounts, or similar
  • Payments to 529 Education Savings Programs
  • You may not send payments to your own address so that you can include your bill’s pay stub when you send in the check.  Instead, put your account number and other relevant info into Plastiq’s memo field.
  • Mortgage payments cannot be made with Amex or Visa credit cards (MasterCard, Discover, and even Visa debit cards are fine, though)

It is in Plastiq’s discretion to refund or void any payments like those above that are not allowed.

* Paying friends or relatives is not allowed unless friends/relatives provide truly billable services.  For example, if your uncle is your landlord, you could pay rent to your uncle through Plastiq.

Official details of what is allowed can be found in Plastiq’s terms of service section 4.1.

Businesses

Businesses can use Plastiq for many purposes, such as:

  • Paying vendors and suppliers
  • Paying employees and contractors

I believe that bill payment fees are legitimate business expenses that will reduce your businesses taxable profits.  So, the net cost to your business, after taxes, will be less than Plastiq’s fee.  Note: I am not an accountant so you should not take this as professional advice.

Paying Taxes

Plastiq can be used to pay federal or state taxes.  To do so:

  1. Go to Plastiq’s US tax page.
  2. Select whether you are paying federal or state taxes, and which state you are from.
  3. Pick the type of tax you’d like to pay.
  4. Click “Pay my taxes” and sign into your account.

Note that for federal taxes there are other options for paying with credit and debit cards with lower fees.  See: Complete guide to paying taxes via credit card, debit card, or gift card.

Gift cards

Visa, MasterCard, and Amex gift cards are allowed. To use a gift card, simply add it as a new payment card, then select it as your payment source when paying a bill.

Plastiq understands that gift cards may be added and removed from the system frequently. It is possible, though, that their risk team will contact you for information about what you’re doing. As long as you answer honestly it shouldn’t be a problem.  For example, it is fine to say that you bought the gift cards at a discount, or that you earned cash back through a portal, or that you earned extra rewards by buying gift cards at an office supply store, etc.

In my experience, Plastiq does not put a $1 hold on your gift card when you add it to the system, so it is easy to use up the entire value of a gift card at once.

UPDATE 7/5/2016: Two separate readers have reported that Plastiq had imposed a monthly limit on the number of gift cards they could use. Plastiq tells me that this limit is not universal.  This restriction is only in place in certain situations.

How long does a payment take to be delivered?

In my experience, payments usually take about a week, but two weeks is not unusual.  Keep in mind that the payee who receives the payment may take even longer to process the payment, so it is important to have payments sent well in advance of their due date.

Last updated on June 4th, 2018

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Steve
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Steve

You said that an advantage is that you can do a chargeback if the payee doesn’t provide the promised service.

I’m very doubtful. The credit card company paid plastiq, who sent the payee a check. They did what they promised to do and can prove it. They’re not in the business of guaranteeing the work of various vendors.

Steve
Guest
Steve

Question: do you know if you can stack cards? In other words, can I use two $200 visa gift cards to pay a single bill of, say, $350?

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[…] Please see: The Complete guide to Plastiq credit card payments. […]

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[…] detailed information about Plastiq, please see: The Complete guide to Plastiq credit card payments.  The guide includes complete information about types of bills that can (and cannot) be paid […]

SadZie
Guest
SadZie

How does this compare to Evolve ?

jk
Guest
jk

Why are all payee’s I search in Canada?

SW
Guest
SW

Is there a max payment that can be made? Say your mortgage payment is 5k (yes it’s possible in CA) will that trigger some kind of declination based on the amount. I believe chargesmart considers a payment of 2.5k a large payment and you have to jump through hoops to get some kind of authorization.

MikeO
Guest
MikeO

Can you pay your credit card bill?

Richard Dillon
Guest
Richard Dillon

If I pay a $500.00 bill, it will cost me (2.5%) approximately $12.50 for using my credit card?.

Thanks

Alex
Guest
Alex

I contacted Plastiq and they say they don’t accept Savings 529 Payments… I explained it’s not a bank account, they assume it’s a banking account but I clarified it’s for higher education… they said they will contact me back regarding this… However, I’m thinking of setting the payment and see what happens… And now with the reduced 1.99% fee for Amex and MasterCard, it’ll be almost break-even by using the Arrival or Venture card…Thanks Greg!… You are one of the best in this business!!

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[…] Everything you ever wanted to know about Plastiq: The Complete guide to Plastiq credit card payments. […]

Sherry
Guest
Sherry

If the other party only accepts checks, does the service mail a check?

Napster
Guest
Napster

yes, they have an option for sending a check, but it takes a couple days longer

Ed T.
Guest
Ed T.

Would this work? Buy Amex GC through cash back portal on 2% or better days. Use GC and Plastiq to send money to your wife and have it deposited to a joint checking account that is linked to your own RedBird. Load RedBird with the cash via transfer from your bank and use RedBird bill pay to pay CC used to buy GC? If so, what monthly limits would apply? Would it be worth the steps involved? Ed

Aaron O.
Guest
Aaron O.

There 30 day refund turnaround for payees they deem does not fit their criteria is insane. 5-7 days ok, 10-14 to long, but up to 30 days that’s just an unacceptable amount of time to have funds charges to your card. It’s a good service and the 1.99% for Amex cards is an industry best, but they really need to fix the refund timeframe. When I read up to 30 days I was bit worried but when it actually took 30 days it has stirred me away completely. There is no hard stops so any payment you submit will go through, but a few days later there quality assurance will cancel it and initiate the refund after it had already cleared your card.

David
Guest
David

I made 2 payments for my share of rent to my roommate and both them got canceled by Plastiq. The first one I chose as “rent”, the second one as “home service”. Plastiq emailed me saying that they do not allow any payment to individuals. Can FM check with them please? Thanks!
Copy from their email: ” .. it appears that you are paying another individual. Unfortunately, this is not something that Plastiq supports, so your payment has been refunded”.

Rob
Guest
Rob

I tried making a payment through Plastiq on my mortgage today using a VGC from Giftcardmall. The system didn’t take the payment. I called in to check on it and the CSR told me they don’t accept gift cards.

Rob
Guest
Rob

Sorry for the scare. I got it to work. I went back and changed the address on my VGC and that apparently did the trick. Happy to report that that particular snooty CSR was full of sh*t.

Oren
Guest
Oren

I can’t get a gift card to work, how did you change the address? do you fill out all the same information as if it was a credit card?

Rob
Guest
Rob

I went tocomment imagetcardmall.com/activate. Then typed in the 16 digit card number. Next, the activation number on the lower left of the card. Then it gave me the notice of activation and my available balance. Below that message is a change of address form that I filled out (which I didn’t do the first time I activated the card figuring that I didn’t need to “change” the address). After that I filled out Plastiq and was good to go.

Stacey
Guest

I went to set up payment for mortgage and it was asking me for my ‘payee’ bank routing information. Why would they need this?

Ted
Guest
Ted

Great info!
Most gift cards I have seen go up to $500. So, how does one make a $3000 mortgage payment?
From what I understand, for Mortgage payments, any payment less than monthly mortgage amount is considered an “extra payment” rather than the normal monthly payment.
So, if I used 6 Visa gift cards of $500 each to fund the Mortgage payment via Plastiq and if that generates 6 payments of $500 each to the Mortgage lender, its going to cause trouble…I think.

Does Plastiq allow multiple sources to fund a single bill pay amount?

Thanks.

Mike
Guest
Mike

I just emailed plastiq before submitting payment and the CS emailed me that 529 payments are not allowed at Plastiq.

anthonyjh21
Guest
anthonyjh21

I’m on the verge of saying the hell with it and not even trying Plastiq. Was a shame too because I used your sign up link and wanted to give you the referral for it.

For a week now I’ve been trying to get answers about payments and who’s name it’s sent from and if it can be modified if it’s exposed. In this instance I’m personally trying to pay our mortgage with the loan exclusively in my wife’s name and I’m asking them how the payment will show up to the bank.

After no response for a few days I sent another email. Received a response within 20 minutes, a la cookie-cutter style with instructions on how to make payments. If I made a list of things that customer support (for any business) could do that bother me the most, giving copy and paste jobs are #1. It tells me the service rep didn’t even read my email and care enough to actually spend the time addressing my inquiry.

Odds are good that the quality of customer support will be reflected in the ease of use with this service and any possible complications that may arise. I was thrilled with the 1.99% rate but perhaps some things are too good to be true and aren’t worth the headache. I’m curious what experiences others have had with Plastiq support?

anthonyjh21
Guest
anthonyjh21

They amusingly responded right as I was typing this. It’s a partial answer but it’s better than a paste job.

anthonyjh21
Guest
anthonyjh21

In case anyone was also in a similar situation, support confirmed I can indeed make a payment with my Plastiq account and credit card and have it be sent out as a mortgage payment from my Wife.

I haven’t had a chance to test it out, but apparently there’s a payments details page (for where to send the funds) that differs from your payment page (in this case an AGC).

vivian
Guest
vivian

can we use plastiq to pay school loan? my school loan does not accept credit card, and I plan to pay 5K to pay it off. Any advice is greatly appreciate? Thanks!

Jon Chan
Guest
Jon Chan

I am thinking of funding my account on Lending Club through this method. Do you think this will work?

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[…] Answers to all of these questions and more can be found here: The Complete guide to Plastiq credit card payments. […]

Eric
Guest
Eric

I just signed up the Plastiq service (1.99% charge) and brought $6000 AGC with 1.5% cash back though portal before it put a cashback limit to $200 AGC only. I used Plastiq to pay the mortgage and medical bill. Now since it is not a good deal to buy AGC this way. What is my options now?

1. Buy VGC at office store ( $ 500 or $250) with Ink and earn X5, load to Redbird and pay bill.
2. Keep buying AGC (3x$ 2000) pay whatever the fee is without cash back, pay bill with Plastiq, earn 1X with my CC.

any advice is welcome.

Seabird
Guest
Seabird

Is it possible to use plastiq to send a payment to HELOC for MS purpose? For example, if I was targeted for 150k Amex 20k spend, would I be able to make a payment to HELOC through Plastiq to satisfy my spend requirement right away?

kim
Guest
kim

Can I use paypal master card to pay rent? I have ‘old’ blue card.

Mandy Thomson
Guest

For rent payments, there is also a site called Wrinq.com that facilitates rent payments, and enables both landlord and tenant keep an audit trail of all the rent payments made, even those made by other methods.

Doug
Guest
Doug

If I use my Barclay Rewards card, will it count as a utility?

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[…] Complete guide to Plastiq credit card payments […]

Matt
Guest
Matt

“I don’t know of any credit cards that would earn a category bonus for Utility payments”

FYI, you can get 3% with Huntington Voice – apply in branch and I believe you can get a $100 sign up bonus after $500 spend or so (or at least I did back in April): https://www.huntington.com/landing/pas/creditcardrewards/

Doug
Guest
Doug

Barclay Rewards gives you 2 points per $1 for utility payments. I just tried to pay the power bill and will see if it gives me the points for using plastic.

anthonyjh21
Guest
anthonyjh21

For the sake of full disclosure, it’s worth noting the arrival+ card is 2% for any purchase, not just utilities.

Daniel
Guest
Daniel

Can we have checks made out to a bank sent to an address that is not our home address? For example, I want to send a pay stub with a mortgage payment. Can I have a check made out to Wells Fargo sent to a family member at a different address?

Ruby
Guest
Ruby

Does anyone know whether Citi credit cards count this as cash advance for using Plastiq ?

thanks

SW
Guest
SW

I know you said you tested Chase Ink and didn’t get any bonus points. Did you at least get 1x per $? I have a 5k bill to pay and thought I might use the MC promo.

John A
Guest
John A

Saw the question about HELOCs above. I have indeed made HELOC payments to Chase through Plastiq. First time around I ran a small test payment to determine timing and any other issues. Plastiq contacted me to provide proof (a recent statement) that it was a mortgage, not CC payment. It took them about a day to verify and process the charge to my card. Delivery (by check) took about a week from that point. Subsequent payments have been on about the same schedule, delivery about 7 days post processing.

ruby
Guest
ruby

I want to pay my car payment that is with an US credit union.

Can you tell me if I use the Citi Double Cash wether I will be charged a FTF ?

Mike
Guest
Mike

My question is on what is the biggest limit that any one that you know had trouble clearing, when they tried to pay off a line of credit with a credit card?

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[…] Complete guide to Plastiq credit card payments […]

ene
Guest
ene

If you use a gift card that comes with a pin number is that considered debit or credit card? thanks

Ozzie
Guest
Ozzie

follow

Raleigh
Guest
Raleigh

This may have been common sense for some folks, but I missed it. Two separate facts listed on the page: Gift Cards are accepted (absolutely true) and debit cards have no fee (also absolutely true). However, Gift cards are not considered debit cards on Plastiq. Please be aware of that. I was trying to use Amex debit gift cards and it still will charge a 2.5% fee. Not sure if V/MGC are the same.

Also, I tried to use a normal bank debit card and it was showing as charging a 1.5% fee. Customer Service said that since the bank coded this card as a debit or a credit (which I think most banks do), you will have to pay the 1.5% fee and then open a request to get the fee refunded.

Patrick
Guest
Patrick

Can I skip an auto payment and still keep the promotional 1.99% rate? Sorry if this was already covered. Thank you for your help.

WC1
Guest
WC1

Hi there
Very interesting re-reading this in light of todays info on BB. Just wondered if anyone has had any recent experience with Plastiq and what their thoughts were ? Keep seeing the negatives of how long it takes etc which is concerning.

Thanks

MikeO
Guest
MikeO

I’ve been using Plastiq a lot lately and have discovered some limitations not mentioned herein. Specifically, there’s a limit to the number of prepaid cards you can use. I recently took advantage of the Amex offer to purchase AGC’s for $200 w/ $10 cash back. After fees, I netted $5.12 per card plus the points. However, after submitting 10 to15 payments to my mortgage, I received an email saying I could only use 5 prepaid cards per month. I’m stuck with a bunch of AGC’s.

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

chad
Guest
chad

Following.

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

ryan
Guest
ryan

Anyone used the chase saphire card through plastiq? Did you recieve your points? Im wanting to pay my car note to recieve the intro bonus of 50k points in the first 3 months

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[…] Frequent Miler’s Plastiq Breakdown […]

Murray Morrison
Guest
Murray Morrison

I live in Canada and have a Canadian credit card. Can I pay my Macy’s statement which is in US dollars? Bill is for clothing purchases.

Joe
Guest
Joe

This is a follow up question to one that was asked a few weeks ago about Plastiq and the Chase Sapphire card. Are you aware of any credit cards that will not allow Plastiq transactions to count toward reward points?

Meg
Guest
Meg

My referral link if someone wants to sign up!

https://try.plastiq.com/410873

Ed carp
Guest
Ed carp

In my opinion – Plastiq is useless. Made two 14k plus payments using them. Promised checks would be mailed out within 2 business day – end of 3rd business day nothing had been mailed. Don’t trust them with important payments.

trackback

[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

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[…] Payments to savings accounts, trust accounts, retirement accounts, health savings accounts, or simil… […]

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[…] Pay bills (mortgage, rent, etc.) with Plastiq […]

kv
Guest
kv

just use your link. please keep up the good work!

Bill
Guest
Bill

Been using Plastiq to make mortgage payment for the last 4 months. I set it up to allow for delays after reading about potential issues then watched it like a hawk. No issues so will consider using them for more things. Their app seems to need a bit of work. Made a referral to a friend for the FFDs and they tried using the app to make a payment and it still hasn’t processed correctly even after contacting customer service so if you are getting started with Plastiq I would suggest not using the app for payments just yet.

Valerie Balderson
Guest

Be very careful! Plastiq is not always reliable in delivering payments to third parties. Further it is near impossible to seek customer support. I have been trying to track down a payment for 60 days without success from Plastiq customer service.

Harry
Guest
Harry

Thanks for sharing Chuck.

Here’s my link for anyone interested in signing up. https://try.plastiq.com/421358

Jay
Guest
Jay

Three payments and no issues yet.

If anyone interested in signing up, please use my referral link.

https://try.plastiq.com/453087

David
Guest

Neat article, Thanks !

Successfully paid my auto-loan with it

Here’s my link for anyone interested in signing up and helping me out in the process :

https://try.plastiq.com/455748

Richard valanzola
Guest
Richard valanzola

Would amex simply cash possibly post as 5%…

Farhan
Guest
Farhan

Just used Plastiq for the first time this weekend. Got my fingers crossed it goes well.

My link is below in case anyone wants to use it to sign up and helping me out with fee free payments and earning the same. Win-win for both.

https://try.plastiq.com/470933

gobble
Guest
gobble

They refunded all my 8x $200 prepaid card (4 VGC, 4 AGC) payment to my mortgage. Quoting I hit monthly limit.

================

I hope this message finds you well. I am writing to you regarding your most recent payments with Plastiq to XYZ MORTGAGE. I wanted to let you know your payments have been refunded because we are not able to support this many payments on prepaid cards within a month.

Your funds should be returned to you within 3-5 business days. Please let me know if you have any other questions. We do hope that you use our service for any other bills or invoices that you would like to pay.

Best Regards,

Kasey \ Account Services

Patrick
Guest
Patrick

Very nice article. I have finally tried it out, and the payment posted to my mortgage in about 1 week.

Here’s my referral link so we can both get some fee-free dollars. I recommend to use Mastercard for lower processing fee.

https://try.plastiq.com/414476

AM
Guest
AM

Master card does not have lower processing fee anymore.. the 2% was just a promo that has ended.

Jedi
Guest
Jedi

I was also just charged 2% on August 24th. It does not say this on the home page, but at check out, it clearly is 2% on Mastercard.

Lex
Guest
Lex

I see my company is listed in Plastiq even though I was never registered my account receivable to receive payment from Plastiq. Is it legit for them to do this without my consent? Or they’re trying to scam my clients? Furious~

Donna
Guest
Donna

I thought that it will only take 3-5 business days for the payment to be received. But when I processed the payment at the end it says PAYMENT IS GUARANTEED TO BE RECEIVED BY JULY 19th. Well guess what that’s more than 3-5 business days. I wanna cancel the payment and I will just pay my mortgage company by other means and make sure I won’t be late. How can I get in touch with Plastiq by phone? I already emailed them 5 mins after i processed my payment.

david
Guest
david

Just noticed a positive change. My Staples reward debit card fee was only 1% today.

By the way as another poster mentioned, they do have limits. They mentioned no more than one payment a month per bill. I’m sure that’s not enforced, but if they see you sending numerous payments they will reverse.

Gabe
Guest
Gabe

I’ve finally got around to sign up and, so far, I love it. Simple, clean, interface, mortgage payment was delivered within 3 business days, not bad at all.

I signed up with the previous link, so I’ll offer mine if anyone wants to take advantage of the fee free bonus:

https://try.plastiq.com/481205

Pat
Guest
Pat

Here’s my link for the next person who wants 200 Fee Free dollars. Never a problem with this service.

https://try.plastiq.com/410873

Aaron
Guest
Aaron

*UPDATE* MasterCard is 1.87% now, making it great for using with 2% cards. even after MS is done!

Aaron
Guest
Aaron

Making it good to use even after MS is done!*

Robert
Guest
Robert

Worked for my rent payment. Thanks

Here is a referral link if anyone wants the bonus:

https://try.plastiq.com/487416

Kim
Guest
Kim

Fast delivery of my mortgage payment. It took 6 days starting from me signing up, verifying credit card, and payment posting to mortgage account. I recommend service/app!

For $200 fee-free dollars use my referral code: 486338. Thanks!

Anthony
Guest
Anthony

Signed up and tried for my car payment. Worked great!

Thank you for the great post!

Below is a referral link for the next person!

https://try.plastiq.com/492484

Emmanuel Ruiz
Guest
Emmanuel Ruiz

Does anyone know if US Bank considers Plastiq payments as cash advance?

Adam
Guest
Adam

My rent payment was received in 8 days (including the weekend). I would definetly recommend sending the payment with plenty of time before deadlines to avoid late payments. otherwise so far so good 🙂

I would appreciate it if any new applicants would use my referral link (you’d get $200 fee-free dollars):
https://try.plastiq.com/473671

Thank you very much 🙂

Jim
Guest
Jim

Can you recommend a rewards credit card that makes using this service worth it, after you get the initial signup spending bonus? Most cards I see only offer 1.5-2% cash back, essentially negating the cost of spending 2.5% (for Visa) and 2% (for Mastercard) to make doing this method worth it. Hope this makes sense.

trackback

[…] Plastiq with Credit Card: Plastiq is a service that lets you pay almost any bills via credit card, including rent, and their fees are much lower than RadPad’s: 2% for MasterCard payments or 2.5% for Amex or Visa.  You can reduce fees by referring friends.  For complete details, please see: Complete Guide to Plastiq Credit Card Payments. […]

W. Walter
Guest
W. Walter

Hi,

Just another idea involving Plastiq: I combined it with another new product, the Blispay Visa card, which pays 2% cash back on everything and offers no-minimum-payment, no interest for 6 months on charges > $199. I used it to pay my mortgage. So, at the net cost of one-half percent of the monthly mortgage (about $8 in my case), I’m pushing the due date out 6 months. That wouldn’t be very useful, except that I’m using the money now left in my checking account to help pay off a 0% balance transfer card before it reverts to its usual umpteen% interest rate in November. After it’s gone, in December, I’ll pay my September mortgage, plus 8 bucks.

So far, Blispay has the charge as pending, and Plastiq promises delivery by 8/30. Fingers crossed.

W. Walter
Guest
W. Walter

Some subtleties I just noticed… Plastiq sent the processing fee as a separate charge to Blispay. I should still get 2% back on it, but it’ll be due (since less than $199) in 45 days or so. With the 2% CB, the whole escapade should only cost me $7.xx… I’m sure I’m most of the way to creating a perpetual payment machine and conjuring up dollars ex nihilo!

Chaser123
Guest
Chaser123

You are going to get yourself in such a big hole. i hope you can afford to make all the payments today and just deferring until interest is charged.

Jesse
Guest
Jesse

I’ve been using plastiq to meet some minimum spends for BA and Citi. Working great but sometimes takes 10 business days for my payment to reach morgage company. I also have tried a few gift cards and was surprised that I was charged only 1% on a few. I would appreciate anybody using my referral code as you will get 200 fee free dollars. https://try.plastiq.com/461368

Mary
Guest
Mary

I used someone’s referral link. Would appreciate the next person using mine.
My experience has been excellent. Good for paying bills and my babysitter too.

https://try.plastiq.com/325801

Alice
Guest
Alice

Very nice post and good summary!
Just set up my first payment using ATT more, will see if I could earn 3X…

I would appreciate anybody using my referral code as you will get 200 fee free dollars.
https://try.plastiq.com/500618

Rusty
Guest
Rusty

Does Plastiq allow a payment to a government organization (such as a county or city) for a personal home property taxes? No mortgage, just annual property taxes.

Jeanette Donato
Guest
Jeanette Donato

Did I read it wrong?
There is a 2.5% fee for each transaction (paying people or bills)

Well, that’s no good.

Jesse
Guest
Jesse

Agreed, not cost effective, especially when using a cash back rewards program. The number wouldn’t make sense. Unless someone know of a way to get a 2.5% on purchase or a 2.5% on payment rewards program, and even then that would be a wash on the Visa. Even at 2% it would be a wash if you had a MasterCard that offered either option.

Nashua Dan
Guest
Nashua Dan

Thanks for the tips everyone. I signed up for Plastiq to meet the minimum spend on Chase Sapphire Reserve. 100,000 points here I come!

Here is my referral link (so we can both save on fees): https://try.plastiq.com/506188

MARK LIM
Guest
MARK LIM

Did this work? I just got my card. If it does, I’ll click on your link.

menwa
Guest
menwa

Hello, I have been paying mortgage for 4 months now without any issue.

Also, just got the App on my i-phone, any chance it will work with Apple Pay?

trackback

[…] See:Complete guide to Plastiq credit card payments. […]

Stephanie Lin
Guest
Stephanie Lin

Awesome post. I’m desperately trying to find ways to meet my Reserve spending goal now that I’ve purchased everything I possibly could/needed.

For anyone interested in trying out Plastiq, I’d appreciate if you could use my link so I can reach my minimum spend in time (and you get $200 free processing): https://try.plastiq.com/518085

Erik
Guest
Erik

Radpad is over so I thought that I may try Plastiq instead.
Does payment with PayPal debit card (MasterCard) incur a 1% or 2% fee?

Debit
Guest
Debit

Yes! Plastiq recognizes the PayPal debit card as such and charges only 1%. I use this method all the time, my backup funding is the PayPal credit card which also provides cash back reward.

Here is my referral link. Sign up with it and get 200 fee free dollars for your first payment of 20 dollar is more.

https://try.plastiq.com/410873

Jason G
Guest
Jason G

Thanks for the followup reply, but thought that the only was Paypal Business Debit would earn cash back now is if the processor processes it as a credit….in that case wouldn’t it be the 2% charged as a credit card? Thank you.

AannaT
Guest
AannaT

Evidently, Visa is now insisting that payments to new payees through Plastiq be counted as cash advances. Only one of the 5 payments I tried to make went through without being a cash advance.

Plastiq *hopes* that, after a first payment to a particular payee, that payee will thereafter be eligible for credit payments instead, but they make no promises.

I’m trying to meet a CSR spend, so making cash advance payments (with fees on both ends) in the “hope” that future payments will be available…. yeah, not useful.

trackback

[…] Bills: Obviously if a biller allows Amex credit card payments, that’s a good way to go.  If not, consider using a service like Plastiq to pay bills (including things like rent, mortgage, day care, etc.).  You will have to pay a fee, […]

Anthony
Guest
Anthony

To make sure I have this straight. If I use this service to pay my mortgage with my AmEx, I’ll get the corresponding points? For instance, my mortgage is $2100 a month, I use this service with my registered AmEx card and I’ll get 2100 points for the transaction. Correct?

nate
Guest
nate

Paying $2100.00 for your mortage @ 2% will cost you $42.00. That equals to $2142.00. You’ll earn 2100 points which may have a value of 21.00 @ .01 a point. So by my calculation, you’re spending $42.00 to get $21.00. So if you paid your mortgage with cash and put the $42.00 in the bank, at the end of 10 month you’ll have $420.00. Using your CC to pay your mortgage and getting 2100 points, you’ll get 21,000 points which probably have a value of $210.00. Or as one person told me, would you spend $420.00 for a $210.00 cup of coffee? Not good.

trackback

[…] For more info on Plastiq, see: Complete guide to Plastiq credit card payments […]