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I’ve written several times before about how I use Plastiq to generate “free” money by paying my mortgage, along with several different promotions that they have periodically run.  When I write these types of posts, I often will get comments from people sharing some of their negative experiences and horror stories.  I was fine with people sharing their experiences but (to that date) had nothing but positive experiences over several months of billpays.

But since I was happy to share the good side of Plastiq, I thought I’d also share some of the challenges I’ve had this month trying to pay one of my mortgages.

Paying my mortgage(s) with Plastiq

I have a couple of rental properties, and I have been using Plastiq to pay the mortgages on a couple of those properties for several months now with no problem.  I have been using my AT&T Access More card on Plastiq because it gets 3x ThankYou points at many online merchants, including Plastiq.

[How you can still get the AT&T Access More card]

My first AT&T Access More card only had a credit limit of $1000 (sad), so I was not able to (very easily) pay my personal mortgage with it.  Cincinnati is a cheap place to live, but not THAT cheap! :-).  I recently product changed one of my other Citi cards to an Access More card so recently started paying one of the other mortgages, which is held by 5/3 bank.

Things have been going just fine for a few months with this payment, until this month, when I got a message saying:


I called Plastiq – they said it was Fifth Third’s fault, and I called Fifth Third and (you’ll never believe this!), they said they had never gotten any such payment.  They suggested I try it one more time and I did, with the same result.  What’s strange is that I’ve made this same payment several months previously with the same information without problems.  So it seems that either Plastiq or 5/3 have changed their systems in some way, with me caught in the middle….

In any case, it’s now March 8th and my March mortgage payment is late.  Thankfully I have a grace period so I won’t get any late fees, but since I’ll have to pay my mortgage from my bank directly, I’ll also be out several thousand ThankYou points! Oh the humanity!  Won’t somebody think of the children!!?!?! 😀

I’ve reached out to Plastiq for a comment and will update if I receive one.

Anyone else experiencing problems with Plastiq payments?

NOTE: All links to Plastiq in this post are referral links.  If you sign up for Plastiq through my link, you will get 200 fee-free dollars to pay and I will get 400.  If you do sign up through my link, I of course appreciate it.  You’re also welcome to sign up through any other user’s link, or just go to and sign up yourself with no bonus.

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