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What is Plastiq and How Does It work? Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions without hesitation. While our website doesn't include every financial or company product that is available We're pleased of the advice we provide and the information we offer and the tools we develop are objective, independent, straightforward -- and free. How do we earn money? Our partners pay us. This may influence which products we review and write about (and the way they appear on the website) However, it doesn't affect our recommendations or advice, which are grounded in many hours of study. Our partners are not able to be paid to ensure positive review of their services or products. . What Is Plastiq and How Does it work? For a fee, Plastiq lets you use credit or debit cards to pay for bills which don't normally accept credit cards as payment. This article was written by Melissa Lambarena Lead Writer | Credit cards and credit cards, Melissa Lambarena is a lead writer for the credit card team of NerdWallet. She has been a passionate writer covering credit card-related topics for over six years. Her previous work experience includes nine years of experience as an author for various websites and magazines. In her writing, she strives to help users extract the value of credit cards for financial goals such as stretching their budget, building credit, visiting dream destinations, and repaying debt. She has a look at these issues along with others in The Millennial Money column featured in The Associated Press. Her writing has also been featured in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa has a bachelor's level degree of sociology, from University of California, Los Angeles. University of California, Los Angeles. Dec 1st 2022 Edited by Kenley Young Assigning Editor Credit score, credit cards Kenley Young oversees the daily coverage of credit cards for NerdWallet. Prior to that, he worked as an editor of the homepage and digital content producer at Fox Sports, and before that , a front page editor at Yahoo. He has a wealth of experience in both digital and print media. This includes stints as an editor at the copy desk as well as a wire editor, and an editor of the metro of The McClatchy newspapers chain. Email:
. The majority of products we feature are made by our partners who compensate us. This influences which products we review as well as the place and way the product is featured on the page. But this doesn't influence our evaluations. Our opinions are entirely our own. Here's a list and . is a service that lets individuals and businesses use debit or credit cards to pay vendors who don't normally accept these payment methods. In exchange for this convenience, Plastiq charges you a processing fee, which could be expensive in December 2022 . And of course when you're using a credit/debit card and you're unable to pay the bill on time, you'll incur interest at whatever ongoing rate your credit card is charged. But if you need some relaxation while you wait for a paycheck or windfall to come in, Plastiq could be cheaper than a high-interest option like a or -- assuming you are able to pay the bill off quickly, and especially when you have an rewards credit card that can defray the processing fee. >> MORE: Plastiq: The basics Plastiq allows one-time or recurring payments for bills such as , mortgage or other loans, utility bills, day care, homeowners association fees and other costs. You can add a debit or credit/debit card in your Plastiq account and charge it in amounts equal to your bill and then Plastiq will pay the business on your behalf via a method that the vendor will accept: or an old-fashioned paper check. (Checks, for instance, are read to the seller as being from you, not through Plastiq.) The customer does not need an account with Plastiq account to make payments. " Plastiq is a service that lets individuals and businesses use debit or credit cards to pay vendors that aren't able to accept other payment methods. " Plastiq generally charges a 2.9 per cent fee for debit and credit cards. The terms and conditions apply. The service is compatible with: Visa. Mastercard. American Express. Discover. . But, certain credit cards come with restrictions on the kind of bills that you can pay through Plastiq. For instance, Visa and American Express cannot be used to pay mortgage payments through the bill pay service. . Additionally, Chase recently unveiled a and it's unclear what implications that may have for transactions that are processed using a Chase card via Plastiq. How it works Start by opening a free account on Plastiq and adding your debit or credit card information. You can add more cards and choose one to be your default. It is also necessary to add recipients, which includes vendor name and country. This information will be saved on your bank account to be used for later use. " Checks generally take around eight days to arrive, according to Plastiq's website So, make sure you have some padding on the calendar to avoid making payments on time. " To send payments, you must select who you want to pay, how much due as well as the payment method (ACH wire transfer, wire transfer, or check) and a time for the money to be received. You may also need specific information about the bill you're paying, including, for example, a loan amount for the mortgage and a unit code for the rent due on an apartment, or any other. You can add more details in"memo" section "memo" part. You can either make a single payment, or set it up to automatically repeat. For recipients that accept only checks sent by snail mail, you may have to submit the payment earlier than usual. Checks generally take 8 days to arrive according to the website of Plastiq Therefore, you should include padding on the calendar to avoid making payments late. Plastiq gives a breakdown of fees, which are in terms of dollar amounts and a percentage rate in the screen for reviewing payments before you complete your transaction. When you instruct Plastiq to make the payment, you'll get multiple messages from the company along the process, including an acknowledgement of the initial transaction, a notice when a check is physically mailed to the vendor for the payment and another message when the recipient has deposited the check. (If you have a reason to believe that the payment is not processed, Plastiq will notify you.) Nerdy Tip Certain credit cards might not be compatible with third-party bill payments. Before making a purchase, you should read your card's terms and conditions or inquire with the issuer about how (or how) the transaction will be handled. It could be considered a cash advance instead of a purchase. Plastiq states that it alerts clients and blocks transactions before they are processed as cash advances. The costs For debit cards The helpfulness of using a debit card through Plastiq is restricted. There's a 2.9% processing fee, which you'd otherwise save by sending your own personal check payable to the merchant. (Plastiq initially charged just 1% for debit cards, however, it increased the cost to match that on credit cards on March 20, 2022.) If you're not a fan of having to order personal checks, get stamps, go to the post office and so on., then Plastiq does cut those corners for you. However, be sure to use the service only if it will not expose you to the risk of the account being overdrawn. For credit cards Credit cards offer an intriguing option as they actually Plastiq allows you to pay for bills prior to having the actual cash on hand. In addition, floating the cash by using a credit card this way is a potentially less expensive alternative than other options such as cash advances. " Floating yourself the money using the credit card this way could be a less costly alternative to other options such as cash advances. However, it's definitely not without cost or risk. " But it's certainly not without cost or risk. First of all, the 2.9% processing fee may not seem like much however, if you're using Plastiq to cut a $2,000 rent check that adds $58 to the amount. A rewards card that earns, like, say, points, could reduce the cost, but you'll be hard-pressed to dodge it entirely unless you're claiming a sign-up bonus via the purchase. In addition, if you cannot afford to pay the $2,058 amount in the course of your credit card's bill cycle, you'll get hit with the card's ongoing interest rate -- and rewards cards generally have the most high annual percentage rates, many in excess of 20%. >> MORE Tips for Nerdy Credit The credit card you have can grant you a few minutes to prevent you from incurring interest. A grace period is the period of time that runs between the close each billing cycle until the time your payment is due. Grace periods aren't applicable to cash advances on credit cards, but they could apply with a service like Plastiq. Keep in mind, however, that when you have a balance, your card issuer will cancel your grace period. The bottom line, Plastiq is a service which is best utilized strategically. It can help you hang on to cash reserves if you need to use them in the short-term and is relatively inexpensive in comparison to other options for quick cash. However, making use of it to pay for expenses you're not able to pay for in the first place is costly and not sustainable when the revolving interest on credit cards starts to take effect. The author's bio: Melissa Lambarena is a credit cards writer at NerdWallet. The work she writes for has been highlighted on The Associated Press, New York Times, Washington Post and USA Today. On a similar note... Choose the right credit card for you. Whether you want to pay less interest or earn more rewards, the perfect card is available. Just answer a few questions and we'll narrow your search for the right card for. Dive even deeper in Credit Cards Get more smart money moves right to your inbox. Subscribe and we'll email you Nerdy posts on the financial topics that are important to you as well as other methods to help you make the most out of your money. Take all the appropriate money-making decisions

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