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
Looks like most are just setting up two accounts. It also looks like some have gotten caught by sending the maximum amount ($1k) to themselves in one payment. Your best bet looks to be sending several payments to a second account in one month, maybe payments of $250. Also, you may want to avoid sending another account money and then having that account send you money back on the same day.