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Old Apr 18, 14, 9:19 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: Amazon Payments
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Last edit by: kingrat

FAQ's

Is Amazon Payments treated as a cash advance? No CC issuer has been reported as treating an AP transaction as a cash advance unless the sender selected "Payment is for Cash Advance" on the Send Money screen.
What does it mean when your payment is "pending"? Your payment will be reviewed. We are unsure whether this review is done by a human or computer. It should take less than 24 hours but is usually within minutes.
How should you describe your payment? "Goods or services" will allow you to charge with a CC and it will not be treated as a cash advance. Note: If you choose cash advance, it may be treated as such by your CC issuer; always choose Goods/Services. There is no reason to put anything in the optional description field - leave it blank.
What is the monthly limit for sending CC payments? $1,000 per calendar month per AP account
What is the monthly limit for receiving CC payments? $1,000 per calendar month per AP account
What if it is not allowing me to send/receive more than $500 or any at all? You probably have not verified your bank and/or added a CC. In order to get the full $1,000 allowance for sending and receiving you must have a bank verified AND a CC added to your account as a payment method.
Does AP qualify for special spending categories? Specifically it qualifies for Discover's (usually 4th quarter) category of online purchases but so far, not Chase's "5% CB on Amazon.com purchases." Refer to thread for other options.
Can you get shutdown? Yes.
How do you get shutdown? No one knows. Anecdotes are found throughout the thread. Some suspicious behavior that MIGHT get your AP account(s) shut down is listed below.
Which transaction is most advisable? A -> B -> C -> A (see here)
Are any fees charged during this process? No, not by Amazon Payments. If your transaction is treated as a cash advance by your card issuer--fees are possible. Beware and always double check that goods/services is selected!
Can you liquidate Amazon GC via AP? NO!
Can you liquidate other gift cards via AP? Yes. Note that you cannot liquidate the full value of a GC because amazon places a $1 hold while it verifies the validity of the GC. You can sometimes (not always) avoid the hold by entering an incorrect expiration date for the GC when adding it to your AP account, and after you have added it, go to "Edit my account settings," then to "Add edit or delete my credit cards" and edit the expiration date there.
When does the month end? It appears as if Amazon is on pacific time, so midnight PDT/PST is when the month resets.

It bears repeating that no one knows the methodology amazon uses to police AP transactions, determines which transactions violate its T&Cs, or identifies violators. However, various people in this thread and elsewhere have confirmed that their AP account(s) were shut down for the following reasons:

  • Associating one credit card number with more than one AP account (Be Careful if authorized user card has the same number as the primary card holder - in some instances the CC numbers are completely different)
  • Associating one bank account with more than one AP account


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Old Jul 26, 13, 6:29 pm   #2311
 
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Quote:
Originally Posted by bevoinva View Post
Why not?
It is my understanding the Citi cards make VR card purchases a cash advance with the associated (high) fees, so it is not worth the price of admission for me.
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Old Jul 26, 13, 6:33 pm   #2312
 
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Quote:
Originally Posted by SammySpade View Post
Sign into your citi account, should be on the main page under the financial tools section
Thanks! Just found out after unsuccessful tries, and a call to Citi, that my "Executive" card does not allow virtual account numbers. My other Citi card do. Supposedly "they" are working on it for the "Executive" cards, but clearly not fast enough for me.
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Old Jul 26, 13, 6:54 pm   #2313
 
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Quote:
Originally Posted by BudgetTravelGirl View Post
Thanks! Just found out after unsuccessful tries, and a call to Citi, that my "Executive" card does not allow virtual account numbers. My other Citi card do. Supposedly "they" are working on it for the "Executive" cards, but clearly not fast enough for me.
There are 2 ways to generate virtual account # from the EXEC card.
I posted it about a year ago in the exec card thread on FT AA board.
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Old Jul 26, 13, 6:54 pm   #2314
 
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Quote:
Originally Posted by BudgetTravelGirl View Post
It is my understanding the Citi cards make VR card purchases a cash advance with the associated (high) fees, so it is not worth the price of admission for me.
Judging from an entire thread on this board directed to this very topic I would say that you misunderstood that.
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Old Jul 26, 13, 7:36 pm   #2315
 
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Originally Posted by bevoinva View Post
Judging from an entire thread on this board directed to this very topic I would say that you misunderstood that.
I have just seen on another thread on FT that Citi does not call them CA. Sorry for being behind... several FT threads used to discuss this with a differet outcome, so I've stayed away from doing it. Glad to see it is okay as it solves some of my msr issue.

Thanks for the clarification!!
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Old Jul 26, 13, 7:43 pm   #2316
 
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Originally Posted by BudgetTravelGirl View Post
It is my understanding the Citi cards make VR card purchases a cash advance with the associated (high) fees, so it is not worth the price of admission for me.
If Citi coded your CVS purchase of beans, rice or any other $500 product as a cash advance, you would be the first one to ever experience that, it would cost $15, and it would show up on your online account immediately.

Citi Cards and Vanilla Reloads
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Old Jul 27, 13, 8:54 am   #2317
 
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New AP strategy

This may work for a few others. It does work for me, and very well. My brother (in a different state) and I both use the same Arkansas bank. I live in another state. His wife also has a bank account at the same bank. The bank allows instantaneous transfers from any account in the bank to any other account in the bank (but not FROM any account). Obviously all of us have the same last name, but different SS#'s and different bank account #'s. Each of us has his/her own AP account. Transfers to and from each other are easily handled virtually instantaneously, and no writing of checks and mailing back and forth. May not be necessary, but we divide the $1000 limit into two or three separate spends, and the amounts are never the same, nor are the dates.

An added bonus is the bank pays 3% interest on all deposits up to $25K. You need to use your debit card 10 times each month (transit fares, parking meters, coffee at Starbucks, etc.), have one automatic ACH payment or ACH deposit) plus use the online account web site at least once. Lest others want to use the same bank, you can now only open one if you live in Arkansas. I opened mine before that requirement was added.

Been doing this for only about 8 months, but all purchases and transfers are handled immediately. Never get a "pending" notice.
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Old Jul 27, 13, 10:32 am   #2318
 
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Just opened the 2nd AP under my name and SSN, wondering if they will find out I have 2nd account after I fax in the DL as the verification required.
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Old Jul 28, 13, 5:11 pm   #2319
 
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Limitations on AP

I recall reading this thread earlier on that AP has maximum of 3 transactions (each direction, in or out) per month, and max $ for each transaction is ~ $650. I just searched many many pages backwards, but could not find the postings to confirm these are the case or not. Logged onto AP, went thru FAQ, 'Learn More...' , could not find any maximum info from Amazon either.

Would some one share what is the limitation as for # of sends / month, and max $ per send? (I did read ~$1000, can it indeed be done in one send?)

Thanks!
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Old Jul 28, 13, 8:21 pm   #2320
 
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Citi Forward

I was wondering... using a Citi Forward for AP won't work, would it?
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Old Jul 28, 13, 9:57 pm   #2321
 
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Citi Forward, as I understand it won't get the 5x amazon rewards if that is what you are talking about.
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Old Jul 28, 13, 10:02 pm   #2322
 
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I have seen discussion of using Virtual numbers. Is there no concern due to the name on the CC not being the same as on the AP account? And no concern with the name on the CC being the same as some other AP account?

I have been reluctant to use CC in someone else's name on an AP account. So I am not sure how a Virtual number would help. Or are you able to create a different name with a Virtual # as well? Citi's virtual system appears to be down right now so I can't give it a try.
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Old Jul 29, 13, 5:47 am   #2323
 
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Set your AUs to match your APs then enter virtual reality.

Quote:
Originally Posted by FlyingBoat View Post
I have seen discussion of using Virtual numbers. Is there no concern due to the name on the CC not being the same as on the AP account? And no concern with the name on the CC being the same as some other AP account?

I have been reluctant to use CC in someone else's name on an AP account. So I am not sure how a Virtual number would help. Or are you able to create a different name with a Virtual # as well? Citi's virtual system appears to be down right now so I can't give it a try.
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Old Jul 29, 13, 2:52 pm   #2324
 
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I just tried to set up my first Amazon payments transfer and it gave me an error that you can only send $500 a month. Everywhere I read it says $1,000.

Has this recently changed?
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Old Jul 29, 13, 2:58 pm   #2325
 
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Quote:
Originally Posted by jets47 View Post
I just tried to set up my first Amazon payments transfer and it gave me an error that you can only send $500 a month. Everywhere I read it says $1,000.

Has this recently changed?
No
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