All You Need to Know About Plastiq Fees

Fight and Waive Fees All You Need to Know About Plastiq Fees

How to Fight and Waive Plastiq Fees

If you're looking for a payment platform that pays you points and miles, Plastiq is for you. Plastiq lets you pay for things with your credit card that they typically won't accept—high dollar charges like tuition, taxes, mortgage payments—even a new car. You can rack up a lot of miles if you pay your kids' tuition with your Visa! Keep reading to learn more about Plastiq, and how DoNotPay can help you get  waived. We can also help you get fees waived from other vendors.

These are the cards that partner with Plastiq.

  • Visa
  • American Express
  • MasterCard
  • Discover

If miles or points aren't a big deal, you can also tap your checking account for a Plastiq payment. This saves you a stamp and a check.

How It Works

When you sign up for Plastiq, you'll get a virtual wallet and add the cards you want to use for payments. Then you'll enter the bills you want to pay using the service, and when you want them paid. Plastiq then sends a paper check or a funds transfer to the vendor on your behalf. The turnaround time is not super quick, two to eight business days, so be sure that you allow that time for your time-sensitive bills (mortgage or rent) to get posted. With Plastiq as the middleman, you can accumulate points a lot faster.

The downside?  charges a hefty processing fee—up to 2.85% per transaction when you use a credit card and 1% for a debit card.

You can offset part of that fee by signing up with a referral link that refers friends and family to the plastic platform, earning fee dollars for every certain amount a referral spends. Plastiq occasionally has fee-free promos; sign up for those and you'll get email notifications when they're running a promotion.

Plastiq Does Have Some Payments They Won’t Process

Although Plastiq makes it easy to charge lots of things that you can't normally put on a credit card, they do have several limitations on what they'll accept. These are the most common.

  • Short term rental or vacation payments
  • Gambling and related activities, including lottery tickets
  • Charitable donations to an unregistered charity
  • Tobacco product
  • Precious metals
  • Weapons and pornography
  • Online pharmaceuticals

Disputing Plastiq Payments

If you made a payment through Plastiq that you would like to dispute, go online to their account services page to provide details about the dispute. If you and the vendor cannot reach an agreement, Plastiq may determine that you have breached their user agreement and that you are responsible for any outstanding balances, legal fees, and other costs required to collect the balance due. 

How to Ask Plastiq for a Fee or Payment Reversal

If all this seems rather daunting, let DoNotPay help you find a resolution with Plastiq. Our sophisticated system taps into the latest in AI technology to submit a request for reimbursement on your behalf.  Here's how you can use DoNotPay to appeal fees:

  1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.


  2. Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.


  3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.


Fees Make the World Go ‘Round

Plastiq is unlike many other payment platforms in that it has a very limited and transparent fee structure—you pay the 2.85% flat transaction fee for credit card purchases (or 1% for debit cards), and that's it. Although this seems like a lot, keep in mind that almost every company you do business with hits you with fees.

The reality is that we are accustomed to paying fees to financial institutions. Overdraft fees are just the tip of the iceberg; you also pay for basic things like account maintenance, low balance fees, and in some cases, even getting a paper statement.  Other businesses are getting into the fee game since it's an easy way to raise revenue. Also, some businesses will waive fees if you ask—they know they're nickel and diming you in outrageous ways, and will accommodate you.

Airlines are probably the worst for adding on fees; they charge extra for everything from a decent seat assignment to checked bags—some even charge for snacks! Here are some other businesses that charge small, but annoying, user fees.

eBay feesRobinhood feesSpirit Airlines baggage feesEtsy FeesAmerican Airlines baggage fees
Coinbase feesPaypal Seller FeesHOA feesChase checking account feesShopify fees

Let DoNotPay Help You Get More Fees Waived

Any company you do business with should be happy just to have your business, but no. They take advantage of your goodwill by asking you to cough up user fees and other junk costs, simply to pad their bottom lines. DoNotPay can ask for fee waivers on your behalf with all types of businesses, from airline baggage handling fees to online stock trading

DoNotPay Helps You Solve Lots of Other Problems

We don't just ask for fee relief; our system can help you get what you deserve from:

  1. refunds from credit card companies
  2. compensation from a canceled flight
  3. getting your pets properly licensed

In fact, we are your concierge to help you manage all life's little nuisances, not just fee waivers. 

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