It is my understanding the terms have changed and only transactions that use a pin will provide a reward now. So paying bill does not help anymore. Have you seen this?

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This must be very recent. My mortgage gave me 0.5% back. I’ll check the terms and see also what I get. I’ll reply here

I spoke with Fold support after seeing a transaction that got no sats back and this is what I got back.

After reading this, I understand that bills paid with the debit card instead of through Paypal may not get any sats back at all (e.g. my T-Mobile bill).