How to Use Plastiq to Pay Bills That Don’t Accept Cards

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Did you know you can use your credit card to pay most of your bills, including your mortgage, rent, or car payment, even if they don’t accept credit cards?

Plastiq will send a check to the business you want to pay for a 2.5% fee.  You can even pay an individual!

Plastiq Review

You Can Use Plastiq to Pay Many Types of Businesses With Credit Cards – Even If They Don’t Accept Them as Payment!

However, it’s not always worth it because of the fee.  I’ll help you decide when it could make sense for you!

Should You Use Plastiq to Pay Bills?

Link:   Plastiq

With Plastiq, you can pay nearly any bill, including small businesses or individuals, with a Visa, MasterCard or AMEX credit card for a flat 2.5% fee.

Plastiq Review

Use Your Visa, MasterCard, or AMEX to Pay a Bill, Even If Your Payee Doesn’t Accept Credit Cards

Plastiq sends an electronic or paper check on your behalf.  So you can pay nearly any bill with a credit card.  Even if the business doesn’t accept credit cards!

Plastiq Review

It Could Be Worth Paying Plastiq’s Fee to Meet a Minimum Spending Requirement or Earn Elite Status With Your Favorite Airline, Like Delta

This service can be useful to meet minimum spending requirements to earn the sign-up bonus on a new credit card.  Or to meet a spending threshold to earn elite status with an airline, including Delta, or with a hotel chain.

For example, if you make a $1,000 payment through Plastiq, you’ll pay a $25 fee, for a total of $1,025.  If you’re close to earning a sign-up bonus, or earning elite status, it could be worth it to pay $25 for thousands of miles or points.  Or elite status for another year!

But if you’ll earn 2% cash back, or 1 mile or point per $1 spent, it usually isn’t worth it to pay the 2.5% fee.

As always, run the numbers to make sure it’s a good deal for you!

My Plastiq Review

Back when Plastiq started, some folks complained of late payments or other issues with the service.

But I think they’ve come a long way!  Million Mile Secrets team member Harlan reports timely payments with Plastiq for the past 6 months.  With no issues at all!

That said, it can take 3 to 6 business days for Plastiq to deliver an electronic payment to a popular payee.  Most big companies, like utilities, student loan servicers, or mortgage lenders are set-up for electronic payments.

Plastiq Review

Be Sure to Plan Your Payments Before They’re Due

And it can take 5 to 7 business days for an individual or small business to receive payment.  Because Plastiq will send them a paper check.

So always factor that in and send your payments at least 6 or 7 business days before they’re due.  That way if there’s an issue, you’ll still have some time to correct it.

And if you’re charged a fee because of a late payment, you can take advantage of Plastiq’s Delivery Guarantee to get reimbursement.

But if you plan ahead, it can be a smooth experience.  And help you earn miles, points, or elite status!

How to Pay Bills With Plastiq

Let’s look at how to make a payment.

Step 1.   Create an Account or Log-In

Navigate to the Plastiq website.  Add your name, email, phone number, and a password if you’re new.  Then click “Get Started.”

Plastiq Review

You Can Create a New Account in Just a Minute or Two

Or select “Sign In” if you already have an account.

Step 2 – Add a Payee

After you make an account, you’ll see this screen:

Plastiq Review

Add Your Recipient and Click “Continue”

So you can make a payment right away.  Type who you want to pay and click “Continue.”

Plastiq Review

Plastiq Easily Found My Payee

I searched for utility company Con Edison, which was already in Plastiq’s database.  If your business isn’t listed, you can always add them manually.

After you choose an option, click “Continue.”

Plastiq Review

If Everything Looks Good, Click “Save”

If the address and other information match your usual bill, click “Save” to add the payee.

Plastiq Review

Now You’re Ready to Make a Payment!

You’ll see how your payment will be sent (electronically or through the mail) and how long it will take for it to arrive.

Choose “Pay” if you’re ready to send a payment.

Step 3 – Make a Payment

You’ll need to enter payment details, including how much you want to send and your account number.

Plastiq Review

Enter How Much You Want to Pay and Hit “Next”

Click “Next” to move through the steps.

Plastiq Review

Have Your Account Number Ready

Add your account number so it’s credited to the right place.

Plastiq Review

You Can Pay Right Away, or in the Future

Next, you can select to pay now or add a delivery date.  I really like this feature to plan payments in advance!

Plastiq Review

Review Your Payment to Make Sure It’s Correct

Then, you can send your payment.  And on this page, you can add your credit card if you haven’t already.

Review the information to make sure it’s accurate.  Note the total amount includes Plastiq’s 2.5% fee.

If everything is correct, click “Submit Payment” to charge your card and send the payment.

And that’s it!

Watch Your Account for Credit

After you’ve sent a payment, it’s a good idea to keep an eye on your account to be sure it posts.  Team member Harlan say he hasn’t had any issues using Plastiq service.  But it’s a good idea to make sure the payment clears.

You may also want to pay a couple of days early.  So just in case there’s a problem, you have time to fix it before you’re charged a late fee!

Bottom Line

Using Plastiq to pay bills with a credit card can be an easy way to meet minimum spending requirements or earn elite status with your favorite airline or hotel chain.

Keep in mind you’ll pay a flat 2.5% fee.  And you can use a Visa, MasterCard, or AMEX card for payments.

I wouldn’t recommend Plastiq for everyday payments because of the fee.  But if it’s the difference between earning a big sign-up bonus or not, it can be worth it on occasion.

Let me know your experience with Plastiq!

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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16 responses to “How to Use Plastiq to Pay Bills That Don’t Accept Cards

  1. There have been reports of PLASTIQ counting as a small business if you are paying with an AMEX card. This would allow you to get 2X points under the current promotion.

  2. I used Plastiq for the first time last month as part of meeting my minimum spend to pay for my monthly apartment rent. I requested for payment about 15 days before so that there is ample time for the check to reach and be paid to my apartment community. After nothing happened for 10-12 days I kept following up with them since I did not want to get late on payment and they blamed on USPS unfortunately. They don’t have a way to track the check once that leaves their facility and gets cashed by the receiver. I ended up canceling on the last day when my rent was due and using other means to pay that. All and all, a very bad experience and would look at other services going forward.

  3. I have used Plastiq very successfully for the past two months to pay rent. To be safe, I asked the check to be sent about three weeks early. I received emails from Plastiq 1) telling me when they would process my order 2) when the check was mailed and 3) to inform me that the check had been cashed. So far, a very good experience.

  4. Can I ask Plastiq to send a check to me instead of the business and then hand over the check to them (my rental office is next to my apartment) so that I don’t have to worry about knowing whether it got lost in the mail or the rental office lost it somewhere?

  5. Plastiq has worked well over the last few months to pay my mortgage via the AT&T card (no longer offered or available for PC). The payments have been less than 2%, but code as an online purchase, so the AT&T card earns 3%, more than offsetting the fee.
    The first month it was a little unnerving waiting for the payment to be received. I now schedule the payment before the end of the month, and so the mortgage payment is received from the servicer long before the grace period expires.
    If I was in the midst of an Amex promotion, I’d probably five the Amex promotion a try.

  6. I have used this service quite successfully for a few bills over the past year. Just make sure you give ample lead time. I only used a MasterCard though because the fee was lower than using a Visa.

  7. My last transaction was a disaster. they sent an email marked urgent asking for a copy of the bill I wanted to pay. that was new never happened before. I responded and they said they would get back to me in 24 hours. great response to an urgent message

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  9. Does Plastiq do a credit check and do they require a SS#? My sister is gun-shy after an identity theft.

  10. I thought plastiq was going to be awesome, but it’s awful. When I first signed up I made a payment towards my auto loan with Amex. It was great. A couple days later I tried to use the same card to make a payment towards my mortgage, they we’re going to charge 3% instead of 2.5%. I chatted with support they said that my card was issued by Canada. I went back looked at all of my paperwork and everything had Amex US. I contacted support again, gave them the BIN and told them there was a mistake in their system. They told my my BIN/first 6 digits of account number was totally different than it actually is…After a few rounds of going back and forth with them I decided it was not worth it an closed my plastiq account….It’s very disturbing that what they see on their end is different than reality.