I DID HAVE SUCCESS WITH DOXO WITH NO REVERSED PAYMENTS BUT I DID PUSH THE LIMIT ONE TIME AND SINCE THEN MY PAYMENTS AUTOMATICALLY GET CANCELLED.

I WILL EXPLAIN THE PROCESS I USED AND WHAT I LEARNED OF WHAT WORKS AND WHAT DOES NOT WORK AND IF SOMEONE CAN FIND OR KNOWS OF A THIRD PARTY PAYER THAT ALLOWS YOU TO MANUALLY ADD A BANK ACCOUNT WITHOUT THE MICRO DEPOSIT VERIFICATION. BUT I HAVE NOT FOUND ONE YET.

PRE DOXO: 

BANK ACCT # - 000 SS#                           ROUTING     # - BANK USED BY COMPANY.                              YOUR PAYING

I HAD PAID ELECTRIC, PROPERTY TAXES, T-MOBILE,  2 CREDIT CARDS.

THEY REVERSED IN 7 DAYS AND I WAS NOT ALLOWED TO PAY WITH A CHECK ONLINE ANYMORE TO T-MOBILE AND THE CREDIT CARDS.

ELECTRIC ONLY ALLOWED ME TO PAY MY BILL BY WALKING INTO THE BUILDING AND PAYING DIRECTLY FOR LIKE A MONTH, WHICH I FOUND ODD BECAUSE THAT HAS NEVER HAPPENED ON A RETURNED CHECK FROM MY BANK.

DOXO- MY HUSBAND ALREADY HAD AN ACCOUNT BECAUSE THAT WAS THE ONLY WAY OF PAYING OUR TRASH SERVICE.

 DOXO USES:

CASS COMMERCIAL BANK                        ROUTING NUMBER 081000605.                      FEDERAL RESERVE BANK

ON PAYMENT OPTIONS I USED ADD BANK ACCOUNT MANUALLY AND ENTERED:

BANK ACCT # - 000 FOLLOWED WITH SS#

ROUTING # - 081000605 (CASS BANK)

PAYMENTS MADE TO:

HARGUS TRASH SERVICE $200.00.               DESTINY CREDIT CARD    $864.43.                 MILESTONE VISA              $343.56. 

NONE OF THE PAYMENTS WERE EVER REVERSED. MY HUSBAND CLOSED THE CREDIT ACCOUNTS PRIOR TO PAYING OFF THIS WAY.

I OPENED A DOXO ACCOUNT IN MY NAME AND USED THE SAME PROCESS WITH MY SS#.

PAYMENTS MADE TO:

T-MOBILE                      $352.00              

T-MOBILE                      $285.00

ELECTRIC.                    $200.00

PROPERTY TAXES.     $653.00

FINGERHUT.                 $283.00

NONE EVER REVERSED

I PUSHED THE LIMITS BY TRYING TO BUY A CAR AND THEY WANTED A DOWN PAYMENT.

I GOT THE CAR DEALERSHIP TO GIVE ME THEIR BANK ACCOUNT NUMBER AND ROUTING NUMBER TO SEND PAYMENT TO.

THE PUSH THE LIMIT PART IS YOU CAN ONLY MAKE A PAYMENT UP TO $999.00 THROUGH DOXO AT A TIME SO I TRIED TO MAKE A FEW OR MORE SEPARATE PAYMENTS OF $999.000 AND THEY CANCELLED THEM AND I HAVENT BEEN ABLE TO PAY ANYTHING WITH THIS PROCESS AGAIN THROUGH MY ACCOUNT OR MY HUSBANDS.

NOW NONE OF THE PAYMENTS THAT WENT THROUGH ON EITHER OF OUR ACCOUNTS EVER REVERSED.

I OVER PAID FINGERHUT, THINKING IT WOULD JUST BE APPLIED TO MY CREDIT AND INSTEAD WAS SENT A CHECK FOR THE $123.00 THAT I OVER PAID.

I SET A FRIEND UP WITH THE PROCESS AND HE PAID SOME FINES TO THE COURT HE OWED BUT HE SENT THEM TO THE COUNTY COURT INSTEAD OF CITY COURT, AND HE WAS MAILED THE CHECKS THAT WERE WRITTEN OUT TO THE COUNTY BECAUSE THE COULDN'T DEPOSIT THEM AS BEING THE WRONG COURT, HE DIDN'T KNOW WHAT TO DO WITH THEM, I TOLD HIM WHERE THE BANK STAMPED IT ON THE BANK AS BEING THE SAME AS A SIGNATURE, THAT ALL HE NEEDS TO DO IS SIGN UNDER AND DEPOSIT IT THROUGH HIS PAYPAL BY TAKING A PICTURE OF IT AND IN 15 MIN OF HIM DOING THAT HE HAD $585.00 IN HIS ACCOUNT. HE WAS NOT ABLE TO CASH THE SECOND CHECK FOR $985.00 BECAUSE HE WAITED UNTIL THE LAST MINUTE TO LET ME KNOW HE RECEIVED THE CHECKS BEFORE TIME RAN OUT TO CASH THEM, A COUPLE DAYS LATER HIS BANK ACCOUNT PAYING OPTION WAS CANCELLED ON DOXO.

BUT THE PURPOSE FOR ME EXPLAINING THIS IS BECAUSE IT DOES WORK, JUST NOT BY USING THE ROUTING NUMBER OF THE BANK THAT THE COMPANY YOUR TRYING TO PAY USES.

I AS ONE PERSON TRIED TO FIND A THIRD PARTY LIKE DOXO BUT ONLY KEPT RUNNING INTO THEM ALLOWING YOU TO PAY MANUALLY BY ADDING BANK ACCOUNT BUT THEN THEY WANTED TO VERIFY YOUR BANK ACCOUNT WITH 3 MICRO DEPOSITS.

WITH MANY PEOPLE, SOMEONE MIGHT KNOW A THIRD PARTY PAYER THAT I CANT FIND AND EVEN IF YOU DONT WANT TO TRY IT , YOU CAN LET ME KNOW BECAUSE I WILL.

HOPE IT MIGHT HELP, OR GIVE ENCOURAGEMENT THAT IT WORKS SOME HOW SOME WAY, OR PUTS MORE HEADS TOGETHER TO FIND THAT WAY.

THANK YOU FOR YOUR TIME

TAMMY