Plastiq Review

1. What type of bills do you pay with Plastiq?
Monthly Rent for housing

2. Why do you use Plastiq?
There were circumstances that I wanted to pay with my credit card for its benefits, but some company or store did not accept credit card as one of the payment methods or they would charge ridiculously high fees (ex: most of apartments). With Plastiq, it capped the fees at 2.5%, and with its referral program, it could bring the 2.5% down to somewhere around 1.5-2.0%, which was significantly lower in exchange for the benefits I received from the cards.

3. How was your experience with Plastiq?
Overall, I think it was good. It was simple and straightforward.

I used Plastiq to pay my rent - saved me a lot of time (no longer having to write and mail a check!) and allows me to earn credit card rewards much more quickly.

With Plastiq I can pay any bill using my credit or debit card. I use Plastiq each month for rent, but also for hospital bills after my son was born.

I've been using Plastiq to pay my rent now for over a year and it has been great! The first time I made a payment I just had to send in a copy of my lease, which wasn't a big deal. From then on it has been smooth sailing. My credit card gets charged each month and I just rack up the rewards points on my credit card. It has turned out to be incredibly consistent too, They tell me it will be 5-7 business days to get the payment to my landlord and every payment that I can remember arrived on the 6th day. 10/10 would recommend to a friend

I wish the fees weren't prohibitive, but I understand why they add an extra fee so that they can stay in business. It works well, and is probably the better credit-card payment service out there.

Love! Best credit card payment product I've used. Fee is lower than other comparable services. Have never had a payment go bad.

Great service when it works.

Credit card companies seem to change rules every three months causing problems/failed payments through Plastiq. These issues (or at least Plastiq's notification to me about them) seem to occur one to two days before scheduled payments which causes obvious issues.

When Plastiq works properly it is really a good service but when it does not work (as noted above) they have no phone support or even public phone number. The only option is a chat system which i do not prefer.

If the rules of the Card Companies would stabilize/be resolved with Plastiq and if Plastiq added phone support this would be an easy 5 stars.

Plastiq is very easy to use to pay your bills. I used it to pay my monthly rent and i can track it. In the meantime, I can use it to meet the spending requirement of my credit cards

They have problems with getting funds to vendors when Visa cards are used and they won t refund or investigate lost payments the send. American Express as well as Visa have limited there use due to ongoing problems with Plastiq. Be sure to read the reviews on Plastiq Facebook and BBB pages before you trust them with your credit card information. They have no phone support, all numbers listed on their website are not in service and they have non-existent customer service via online chat and they don t respond to emails. If you have any problems with transfer of funds they offer no help.

Just signed up, and used the service to pay a creditor who normally insists on sending cashier's check or bank wire (which is slow, and expensive through my bank). Saved me an in-person trip to the bank, which is gladly worth the fee I paid.

One star deducted, as I couldn't use the specific card I prefer - despite being told that it would be possible.

If you're interested in trying their service out, use referral code 1033747 to send up to $500 with no fee. Cheers!

I d watch out this company does not back up their payment guarantee they will look for any opportunity to skirt out of paying fees when checks get lost in the mail!

Smooth experience. I use it to pay rent with my CC. Customer service is very responsive and helpful too. No problems at all so far.

Used the Plastiq service only to meet minimum spend requirements on a new credit card. My card was charged twice, and when I reached out to "customer service" via email, they stated that the initial transaction was suspended and to call the bank because "they have no intention of taking the money" However, my bank confirmed that both charges were fully withdrawn.
Also, my payment still hasn't been received by the recipient, when the confirmation stated it would be received by June 1st. So at this point, not only have the funds been withdrawn twice, but they payment hasn't even been made.
There is no customer service support. I have sent 3 emails that have not been responded to, there is no contact phone number for customer service, and the "live chat" can not handle the volume of customers. They also clearly don't care about their customer, as you can see here that they ONLY respond to positive reviews. Definitely should have read the reviews first. Do not use if you have bills that actually need to be paid in a timely manner. Disappointing.

Won't recommend using this service. It is hard to have your questions answer and took forever to pay summer camp tuition. Give up.

Terrible company. Late payments to vendors, non-existent customer service. Can t reach by phone and they don t respond to emails. Ridiculous lead times to pay bills.
Stay away!

1. What type of bills do you pay with Plastiq?
I am paying my monthly rent with Plastiq now.

2. Why do you use Plastiq?
I want to pay the rent by credit cards, but my landlord accepts check only. So I have begin to use Plastiq.

3. How was your experience with Plastiq?
Good. Plastiq made my life much easier. I don't have to withdraw cash from ATM anymore. Click and forget. That's all.

I use Plastiq to pay an invoice every month (because the company doesn't take credit cards). It's expensive... BUT on TOP of that - Their website has been down for over a week. They don't have a customer service department to call. When you submit a request on-line, you receive auto generated replies. It's a total nightmare. I'm going to start cutting a check directly to avoid EVER using Plastiq again.

Plastiq is a great service that allows me to pay for my bills with credit card, even if the business doesn't take card. I'd definitely recommend this service.

Zero complaints. Plastiq did exactly what I needed. Super easy. Super fast. I looked around - their fees were the lowest I could find. From sign-up to sending my payment was literally less than 5 minutes. I'd totally use them again.

Horrible. While you can enter a credit card on Amazon or setup your bank account for Paypal quite easily, this service requires a photo of your ID and a photo of you holding your ID. Then after that, when you go to pay the vendor they then want to know everything about the vendor and why you are paying the vendor. Then they will manually approve your payment some 3 days later. However, they instantly will charge your card, floating the money from Thursday for instance until Tuesday before they then begin to pay the vendor.
While requiring to know everything about you they will hide behind "private company". A simple inquiry into who is their registered agent or who is the CEO led to stonewalling from anonymous "Matthew". Only when I identified the CEO, did they agree that was the CEO.
They are millennials who you have never met that call you by your first name like you're their bar buddy. "yo bro, what's going on in your account and stuff"

You simply are fodder, a ways to their means of getting the next round of funding or selling off to Paypal.
You are told what to do each step, require Nazi like intrusion into your payments and you have no idea how your transactions are being harvested and what purpose photos are being used.

Payments are slower than writing a check and mailing it. as they need the mutli-day float to make more money than the 2.5% on the transaction.

Try it if you want. After lying to me via the website that I can pay, they will keep putting roadblocks in front of you ("For your security we have to investigate the vendor") all while they hold the money taken from the CC.
I cancelled immediately after the 3rd hoop and talking to their service reps who have the customer-vendor relationship upside down.

SCAM! Number is out of service. They took my money and did not provide the service they claimed to offer. DO NOT USE

Very high fees - Almost 4% of the bill I wanted to pay!!
Horrible customer service who simply disconnected me when I wanted to delete my personal and bank information!!! They just deleted my account!
Unacceptable way of managing personal information. There are many other cheaper and more customer friendly options to pay bills!

Excellent communication and transaction. I was able to make an extra mortgage payment with my master card to synovus mortgage. The payment arrived on time, and a confirmation email was sent.

Incompetent customer service, can not even do a simple wire transfer.

I love how easy it is to make payments and send money. I paid a supplier and the whole process was super quick and simple. This is a great product.

TL:DR - If you have a very simple transaction and aren't trying to really use their promotions you're probably alright. If you have anything they even think is a duplicate, don't use them or you will be screwed and going in circles for days.

I have and am still having a difficult time getting Plastiq to honor their referral promotions.

They have no phone support which could resolve this issue in under 1 hour.

They have no chat support that can handle account services questions

Their account service reps refuse to escalate issues and unilaterally try to resolve issues in ways that I'm pretty sure violate financial services laws, ethics, and all common sense or logic

Their account service team takes a minimum of 4-6 hours to respond, only during business days and hours, and it's usually closer to 1 business day. In a real financial institution this type of support wouldn't be acceptable at all, but especially when the transaction is over $10,000 and has a time sensitive delivery that every day they waste with ineffective support makes the deadline much more difficult to meet.

Their terms of service are just vague enough that they can consider any and everything a violation and will refuse to award fee free dollars or allow them to be used after being rewarded

They will routinely allow fee dollar transactions to go through even if they consider the accounts duplicate, even rewarding the fee free dollars, but then if you try and use those fee free dollars or ask where the missing ones are they will deny them as duplicated accounts. When questioned on why the fee dollar transactions went through, they had no solid answer.

They have a problem accepting business credit cards or understanding that company cards can and are frequently used by multiple people who are different than the card holder. The short(ish) scenario is we have 7 accounts, all different e-mails, all different people, all different phone numbers. We have 3 business credit cards from 3 different businesses (matched to 3 of the names on 3 of the accounts) that we tried to use across the 7 accounts in which 1 account referred the other 6. All accounts all cards, and the payee were setup at the same time on all accounts before any payments were processed. All of our initial fee dollar payments were made within a 1 hour period. Of that 4/6 fee dollar payments went out fine, to the point of being sent with fee free dollars rewarded but now unable to be used. 1/6 was delayed but then got processed. The final one was manually cancelled after I contacted account services about the fee free dollar transactions not going through. The referring account had $4,000 in fee free dollars removed, randomly had $500 added back, then randomly an account rep decided to unilaterally cancel and refund all transactions without authorization or request from us, without any clarification as to how terms of service were violated, and without any consideration to how the 4 sent payments will be treated by the payee if they bounce. A complete and utter mess at this point. It's clear that account services doesn't see itself as partner with the customers but a team that can and does make unilateral decisions that have huge impacts. They are also unable to accurately make those changes. For instance at one point "Tessa" told me that they considered one of the referred accounts valid so she gave it $500 in fee free dollars. She then gave the referral account $500. If you read the promotion it's $1,000 for the referral account, so even when they are trying to correct something they don't do it right because they aren't working with customers.

I am a recent user of Plastiq, just started 3 months ago. As others have mentioned during the 1st payment i had to send my lease but that wasn't a problem. I like the easy of use of sending payments. The only feature i wish they had was some notification for tracking the payment cycle like when they receive the mail, when the payment is posted etc. So far its been great! i would highly recommend this service to a friend.

Great service. Better than others and more personable. Recently signed up for Plastiq Accept and can now receive payments from customers through the link. Works greats and never have had a problem!

A one time customer used Plastiq to mail me a check payment. They have a statement printed on the check that says it is void after 30 days. I received the check after 30 days. My bank can t deposit a voided check even though Plastiq says the funds are available for 90 days. It is impossible to talk to a live person and through email they tell me they can t reissue this check. After about 10 emails back and forth, this is still unresolved and they are not willing to help remedy this. It is not my responsibility to contact our mutual customer. I don t think they will like that they paid Plastiq to process this payment for them and I am now sending this invoice to collections for non-payment. Great job Plastiq, not doing the only job that you are contracted for.