Bill Pay In Manhattan Updates

As a follow up to the post to bill paying in Manhattan without Walmart, any transaction over $500 requires your license to be inputted into the system as well as your picture being taken. I was not pleased with either. The clerk also told me that location I had visited had a $900 limit per transaction, but other locations could be a larger transaction.

That being said, it changes the math a little bit with a 1% card. If we could max out at $2000 per transaction it would have been a $.0067/point opportunity. Instead at $900 it becomes a $.0086/point.

Cumulative Load Fee Cumulative Cash Balance Points Earned Bill Pay fees $/pt generated
2.5 517.5 518 3.95 0.012451737
5 1035 1035 3.95 0.008647343



If you’re in Manhattan and are striking out with Vanilla Reloads, I would recommend this option. It takes a couple of steps and a tiny bit more expensive ($.0086/pt compared to $.0078), but at least you can still manufacture spend.

The next experiment that I plan to try is a One Vanilla card.

8 comments… add one
  • How desperate would have to be to accept being treated like a criminal getting their mugshot just to do billpay for a lousy $1K?

  • Tried one out. $2.95 for billpay up to $2500. $0.99 for money order up to $1k.

    Sounds good but two problems:
    1) use of a debit card adds $1 to either transaction.
    2) no split between debit cards.

    Did a MO with a one vanilla, but it cost me $1.99 for a $498.01 MO. So it can be done, but it’s sucking up a lot in fees, $1.10 more than at RA. (It wouldn’t be horrible for $1k money orders via paypal debit.)

    At this point what I’d love is a RA that doesn’t have a “broken” money order machine. Have one of those around?

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