[Using PayPal to pay bills and earn 5% on credit cards]

Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills.
sd10101
Posts: 2
Joined: Thu Feb 16, 2023 5:26 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by sd10101 »

ZinCO wrote: Thu Feb 16, 2023 9:11 pm
sd10101 wrote: Thu Feb 16, 2023 5:29 pm
ZinCO wrote: Wed Feb 01, 2023 12:40 pm In spite of all the recent failure posts here, and maybe partly BECAUSE of the very real possibility that BP shortly gets the axe, I just pushed a $4500 property tax payment through. I did however remove all but one CC from my wallet first to make sure they charged the right one. I'll update this post once the payment is reflected at my county.
Did it work? Can you please update?
Sorry, forgot to come back to this. Yes, it worked perfectly, posted in two business days.
Thanks for your reply. Worked for me as well for paying property tax. On another property tax bill to the same company, it does not work and says "something went wrong". Called customer service and they said Paypal security systems blocked the transaction since amount is larger than usual transactions I make. They have no way to override it. He suggested to try again (which I did multiple times already and does not work) or use another service to pay :)
jplee3
Posts: 1200
Joined: Thu Nov 13, 2014 8:15 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by jplee3 »

Curious but has anyone recently tried this (in the past week or so) to pay property taxes in Orange County CA or anywhere for that matter? I heard rumors that Chase is starting to code these transactions as "Cash advances" on one of the FB groups. Seems like it's just a rumor but wanted to see if anyone has very recently done this. I have a pretty big payment coming up and also just got the Chase Business Unlimited card so need to hit the bonus spend hahaha. Paying property taxes via Billpay would be an excellent option but I don't want to screw myself over either.
need403bhelp
Posts: 1446
Joined: Thu May 28, 2015 6:25 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by need403bhelp »

Has anyone tried the mortgage bill pay (via debit card) that PayPal Bill Pay offers for limited mortgage companies and, if so, how does one specify that the payment is to be applied as the next payment due rather than additional principal payment? I did a $1 test payment some time ago but it seemed to apply as additional principal (although I did still have autopay on, was just hoping it would reduce the following months autopay payment by $1 which it did not). Thank you!
jplee3
Posts: 1200
Joined: Thu Nov 13, 2014 8:15 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by jplee3 »

need403bhelp wrote: Fri Mar 10, 2023 8:23 pm Has anyone tried the mortgage bill pay (via debit card) that PayPal Bill Pay offers for limited mortgage companies and, if so, how does one specify that the payment is to be applied as the next payment due rather than additional principal payment? I did a $1 test payment some time ago but it seemed to apply as additional principal (although I did still have autopay on, was just hoping it would reduce the following months autopay payment by $1 which it did not). Thank you!

Haven't tried this. Are there any GCs or VGCs that you purchased and can use as a "debit card" for this purpose btw? I wonder if you have to disable autopay and/or inform the mortgage company that you'll be paying via another means and to have them apply that towards your normal payment?
need403bhelp
Posts: 1446
Joined: Thu May 28, 2015 6:25 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by need403bhelp »

jplee3 wrote: Tue Mar 14, 2023 3:44 pm
need403bhelp wrote: Fri Mar 10, 2023 8:23 pm Has anyone tried the mortgage bill pay (via debit card) that PayPal Bill Pay offers for limited mortgage companies and, if so, how does one specify that the payment is to be applied as the next payment due rather than additional principal payment? I did a $1 test payment some time ago but it seemed to apply as additional principal (although I did still have autopay on, was just hoping it would reduce the following months autopay payment by $1 which it did not). Thank you!

Haven't tried this. Are there any GCs or VGCs that you purchased and can use as a "debit card" for this purpose btw? I wonder if you have to disable autopay and/or inform the mortgage company that you'll be paying via another means and to have them apply that towards your normal payment?
Thanks. I'm not sure about the "debit cards" as GCs/VGCs, just curious. I actually disabled autopay as my prior account for mortgage payments (Enzo) is no longer giving cashback, sent a test payment will see what happens.
Nyc10036
Posts: 1643
Joined: Wed Oct 05, 2016 6:29 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by Nyc10036 »

jplee3 wrote: Tue Mar 14, 2023 3:44 pm
need403bhelp wrote: Fri Mar 10, 2023 8:23 pm Has anyone tried the mortgage bill pay (via debit card) that PayPal Bill Pay offers for limited mortgage companies and, if so, how does one specify that the payment is to be applied as the next payment due rather than additional principal payment? I did a $1 test payment some time ago but it seemed to apply as additional principal (although I did still have autopay on, was just hoping it would reduce the following months autopay payment by $1 which it did not). Thank you!

Haven't tried this. Are there any GCs or VGCs that you purchased and can use as a "debit card" for this purpose btw? I wonder if you have to disable autopay and/or inform the mortgage company that you'll be paying via another means and to have them apply that towards your normal payment?
I thought I had read here on BH that you buy a $500 VISA gift card and set a PIN on it.
I have set PINs on them. Very easy to do.
arleyl
Posts: 8
Joined: Thu May 31, 2018 10:12 am

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by arleyl »

jplee3 wrote: Tue Mar 07, 2023 2:56 pm Curious but has anyone recently tried this (in the past week or so) to pay property taxes in Orange County CA or anywhere for that matter? I heard rumors that Chase is starting to code these transactions as "Cash advances" on one of the FB groups. Seems like it's just a rumor but wanted to see if anyone has very recently done this. I have a pretty big payment coming up and also just got the Chase Business Unlimited card so need to hit the bonus spend hahaha. Paying property taxes via Billpay would be an excellent option but I don't want to screw myself over either.
Just paid Orange County CA property taxes full payment with Paypal bill using Chase IHG credit card to meet SUB. No fees. Payment was posted within 3 days. I wonder who paid the interchange fees on this. Wish I had learned about Paypal bill pay a long time ago. I imagine this won't last long before they start passing the fees to you.
jplee3
Posts: 1200
Joined: Thu Nov 13, 2014 8:15 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by jplee3 »

arleyl wrote: Thu Mar 16, 2023 12:39 pm
jplee3 wrote: Tue Mar 07, 2023 2:56 pm Curious but has anyone recently tried this (in the past week or so) to pay property taxes in Orange County CA or anywhere for that matter? I heard rumors that Chase is starting to code these transactions as "Cash advances" on one of the FB groups. Seems like it's just a rumor but wanted to see if anyone has very recently done this. I have a pretty big payment coming up and also just got the Chase Business Unlimited card so need to hit the bonus spend hahaha. Paying property taxes via Billpay would be an excellent option but I don't want to screw myself over either.
Just paid Orange County CA property taxes full payment with Paypal bill using Chase IHG credit card to meet SUB. No fees. Payment was posted within 3 days. I wonder who paid the interchange fees on this. Wish I had learned about Paypal bill pay a long time ago. I imagine this won't last long before they start passing the fees to you.
Yea, I'm sure it'll die fast at this point haha. Maybe I should do the supplemental payment at this point - just so I don't miss the boat and can easily hit the minimum for the points. I do need to buy a handful of tickets to Legoland as well... maybe I'll do both - can't go wrong with the 1.5% CB either way!
LuckyInLife
Posts: 29
Joined: Sun Nov 28, 2021 3:34 pm

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by LuckyInLife »

arleyl wrote: Thu Mar 16, 2023 12:39 pm
jplee3 wrote: Tue Mar 07, 2023 2:56 pm Curious but has anyone recently tried this (in the past week or so) to pay property taxes in Orange County CA or anywhere for that matter? I heard rumors that Chase is starting to code these transactions as "Cash advances" on one of the FB groups. Seems like it's just a rumor but wanted to see if anyone has very recently done this. I have a pretty big payment coming up and also just got the Chase Business Unlimited card so need to hit the bonus spend hahaha. Paying property taxes via Billpay would be an excellent option but I don't want to screw myself over either.
Just paid Orange County CA property taxes full payment with Paypal bill using Chase IHG credit card to meet SUB. No fees. Payment was posted within 3 days. I wonder who paid the interchange fees on this. Wish I had learned about Paypal bill pay a long time ago. I imagine this won't last long before they start passing the fees to you.
Did you use your parcel number as the Account number in PayPal Bill Pay? I am in San Diego County and have a very large property tax bill, so it makes me nervous to pay by BillPay, even though I use it for water bill and gas and electric with no issues. I would love to get 2% cash back using a credit card, but a little scared about this.
mt2k
Posts: 115
Joined: Thu May 21, 2020 8:13 am

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by mt2k »

Anyone tried to use Updgrade Debit Card to pay Credit Card bills with PayPal bill pay? Upgrade gives unlimited 1% on debit cards
patrick
Posts: 2260
Joined: Fri Sep 04, 2009 3:39 am
Location: Mega-City One

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by patrick »

mt2k wrote: Thu Mar 16, 2023 7:22 pm Anyone tried to use Updgrade Debit Card to pay Credit Card bills with PayPal bill pay? Upgrade gives unlimited 1% on debit cards
Their terms at https://www.upgrade.com/deposit/borrowe ... pe=DEPOSIT says the following which seem to exclude such activity:
Certain transactions are not eligible, including: money transfers, including wire transfers and transfers made through ApplePay, GooglePay or similar services; manual cash disbursements; ATM transactions; the purchase of checks, financial products, promotional merchandise, gift cards, foreign currency, money orders, other monetary instruments, or similar; debt repayment; account funding;
Then again, they might not actually apply the rule against Paypal. I haven't tried it myself. Could be worth testing.
mt2k
Posts: 115
Joined: Thu May 21, 2020 8:13 am

Re: [Using PayPal to pay bills and earn 5% on credit cards]

Post by mt2k »

patrick wrote: Fri Mar 17, 2023 7:50 am
mt2k wrote: Thu Mar 16, 2023 7:22 pm Anyone tried to use Updgrade Debit Card to pay Credit Card bills with PayPal bill pay? Upgrade gives unlimited 1% on debit cards
Their terms at https://www.upgrade.com/deposit/borrowe ... pe=DEPOSIT says the following which seem to exclude such activity:
Certain transactions are not eligible, including: money transfers, including wire transfers and transfers made through ApplePay, GooglePay or similar services; manual cash disbursements; ATM transactions; the purchase of checks, financial products, promotional merchandise, gift cards, foreign currency, money orders, other monetary instruments, or similar; debt repayment; account funding;
Then again, they might not actually apply the rule against Paypal. I haven't tried it myself. Could be worth testing.
I was thinking of getting the Upgrade Credit Card with their checking account.. It would be great if I can use their debit card for PayPal biilpay
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