Plastiq restores Amex payments within limited industries

For a while now the Plastiq bill payment service has been unable to process Amex cards.  Plastiq has now reached out to let us know that Amex payment processing has been restored.  As a reminder, Plastiq is a bill payment service that lets you use a credit card to pay bills that can’t usually be paid that way.  Plastiq usually charges 2.5% for credit card processing.

For more about Plastiq, please see: Complete Guide to Plastiq.  Note that you still can’t use Amex cards to pay your mortgage and they have added new restrictions as well.  See below for details.

* 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.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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Christian
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Christian

I’ve been paying my business rent with Plastiq with my business American Express, since I like the 1.5 points for over $5,000 charges. When I tried to pay rent last night, the system wouldn’t allow it. The Plastiq web site said that Amex was not permitted. I ran it through my Alaska card, but really miss the extra points through Amex. On the above table, you list that residential is ok with Amex. Any idea what differentiates commercial and residential?

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[…] Check this Frequentmiler post for a handy chart of what works and what doesn’t now. […]

Mark
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Mark

I just talked to Plastiq as I have 5 locations paying rent. No go anymore according to the chat person. Only personal rent. No business bills either, other than utilities.

Aaron
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Aaron

Quick question, can you pay mortgage bills with Visa gift cards? I had been using my AmEx up until now.

rdover1
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rdover1

No. You could with MC GC but they will process as credit not debit at 2.5% fee

Franklin's Dad
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Franklin's Dad

Successfully scheduled my rent payment last night using Amex.

Just tried to pay my monthly car bill to Honda using Plastiq. Amex *not* allowed.

sam
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sam

I have been using rentrack.com for few months now to pay rent. Seems like a decent service. 3% fee but I get 2% cashback using citi double cash back card. The rest 1% is worth the cost of their service which includes mailing the check to landlord and reporting rental payments to all the 3 credit reporting agencies

Tyler
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Tyler

Where do you get the information regarding “investments”?

atricus
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atricus

Which card works for taxes?

qofmiwok
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qofmiwok

Wow, this pretty much kills Plastiq for me. I was using to reach thresholds on Delta and SPG Amex Cards. Government (taxes) can usually be paid at a lower rate directly, so I was using Plastiq for other things like business expenses, HOA dues, etc.

EL
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EL

Greg- Why the changes? Do you think it’s card companies applying pressure or something else? Are there other similar services? Venmo? Paypal?

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[…] Can’t use Amex for car payments […]

Jay
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Jay

What about escrow shortages? I believe this is not a mortgage. Can i pay using spg biz?