Nov 10, 2013, 11:26 am
Last edit by: mcdullhk88
Dead as of 10/13/14
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:
Additionally, we have updated the terms and conditions of our User Agreement (https://payments.amazon.com/help/Personal-Accounts/User-Agreement-Policies/User-Agreement) that apply to your use of the products and services provided by Amazon Payments. Our updated User Agreement revises certain terms (including, among other things, the elimination of person-to-person payments). Our new User Agreement will become effective on October 13, 2014, which is more than 30 days from when we first posted our updated User Agreement. By continuing to use our services after October 13, 2014, you are agreeing to be bound by the terms and conditions of our new User Agreement.
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
Amazon Payments
Apr 3, 2013 | 6:41 am
#1921
Join Date: May 2008
Location: Las Vegas since 11/2023
Programs: No status anywhere anymore, it was fun while it lasted
Posts: 4,648
Is anyone else having problems with AP?
I have had trouble logging in, transactions that haven't gone through, and now it is telling me I am over my monthly limit, apparently counting the transactions that haven't processed.
I'm reluctant to call, hoping they will find the error themselves, and I don't really want to catch the attention of the bishop. The soft pillow is a constant concern.
I have had trouble logging in, transactions that haven't gone through, and now it is telling me I am over my monthly limit, apparently counting the transactions that haven't processed.
I'm reluctant to call, hoping they will find the error themselves, and I don't really want to catch the attention of the bishop. The soft pillow is a constant concern.
Apr 3, 2013 | 11:00 am
#1922
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Late to the party!!
Due to difficulties getting A & B fully set-up, I wasn't allowed to have any fun in the jungle during Mar. But everything is flowing down the river this month! ^ Now if I could just figure out the bird and how to introduce the two together!
Due to difficulties getting A & B fully set-up, I wasn't allowed to have any fun in the jungle during Mar. But everything is flowing down the river this month! ^ Now if I could just figure out the bird and how to introduce the two together!
Apr 4, 2013 | 6:52 pm
#1923
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Apr 9, 2013 | 5:37 pm
#1927
Join Date: Jan 2012
Posts: 221
Apr 10, 2013 | 10:53 am
#1932
Join Date: Nov 2011
Posts: 301
It didn't work with the $500 Vanilla GC I got sometime ago (before the deal died), AP showed the transaction didn't go thru (with the fund available in GC), but I have no way of knowing the if the failure was because of the type of card used.
I'm interested in experience from other people. thanks.
I'm interested in experience from other people. thanks.
Apr 10, 2013 | 11:43 am
#1933
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
It didn't work with the $500 Vanilla GC I got sometime ago (before the deal died), AP showed the transaction didn't go thru (with the fund available in GC), but I have no way of knowing the if the failure was because of the type of card used.
I'm interested in experience from other people. thanks.
I'm interested in experience from other people. thanks.
Apr 10, 2013 | 11:45 am
#1934
Join Date: Jun 2009
Location: ONT/LAX
Programs: IHG Plat
Posts: 496
It didn't work with the $500 Vanilla GC I got sometime ago (before the deal died), AP showed the transaction didn't go thru (with the fund available in GC), but I have no way of knowing the if the failure was because of the type of card used.
I'm interested in experience from other people. thanks.
I'm interested in experience from other people. thanks.