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
Jun 20, 2013 | 10:08 am
#2146
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Jun 20, 2013 | 11:54 am
#2147
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Jun 24, 2013 | 9:17 am
#2148
Join Date: Mar 2013
Posts: 65
I set up all my accounts and got a "failed message." All it says under the Amazon Help menu is that it would let me know if I have a credit card that is denied. It was for $500, A>B, both different names, SS, same address. Any idea on what went wrong? I started reading both this thread and the slickdeals thread and could not find any information.
Jun 24, 2013 | 9:51 am
#2149
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 905
I set up all my accounts and got a "failed message." All it says under the Amazon Help menu is that it would let me know if I have a credit card that is denied. It was for $500, A>B, both different names, SS, same address. Any idea on what went wrong? I started reading both this thread and the slickdeals thread and could not find any information.
Do both A & B have linked bank accounts? B can't accept payment from A (for the full monthly limit of $1K) until bank account has been verified.
Did you type in the credit card number and exp date correctly, no typos? That one has gotten me on a couple of occasions, like when entering gift cards, for example.
Jun 24, 2013 | 10:01 am
#2150
Join Date: Jan 2005
Posts: 229
Hi everyone, after reading some 144 pages in the last two hours, can someone please kind enough to confirm the following?
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
Jun 24, 2013 | 10:08 am
#2151
Join Date: Nov 2005
Location: Anaheim Hills, CA
Programs: UA 1K, 1.3mm
Posts: 918
Hi everyone, after reading some 144 pages in the last two hours, can someone please kind enough to confirm the following?
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
Jun 24, 2013 | 10:27 am
#2154
Used to be garyjr316
Join Date: Feb 2011
Location: LAX or SBA
Programs: AAdvantage, MileagePlus, Gold Passport, Hilton HHonors, Marriott
Posts: 800
Hi everyone, after reading some 144 pages in the last two hours, can someone please kind enough to confirm the following?
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
"It's still safe to do
1) Credit Card in A's name -> A -> B -> B's Bank Acc
2) Credit Card in B's name -> B -> A -> A's Bank Acc
on the same computer with same IP address."
And we have no case where people got kick out because using the same IPs as of now, correct?
Thank you very much.
Jun 24, 2013 | 11:11 am
#2156
Join Date: Aug 2001
Location: SFO
Programs: AC SE, AA EXP MM, BA Silver, UA Gold MM, Hyatt Glob, Marriott Titanium, HH Dia, IHG Plat
Posts: 4,967
Any issues likely with A to B, B to A where each party has a unique bank account and unique credit card numbers, but one party is an authorized user on the same credit card account?
Jun 24, 2013 | 11:33 am
#2158
Join Date: May 2000
Location: I see palm trees....
Posts: 414
I've been doing straight $1K amounts back and forth for over two years now.
And I have fun with the descriptions...last one was "Thanks for the massage with happy ending.
"
Jun 24, 2013 | 11:41 am
#2159
Join Date: Mar 2008
Programs: Marriott Gold, UA Premier Executive, Hertz 5*
Posts: 53
Next thread: "Help I'm being implicated in a prostitution bust, what do I tell the judge about my manufactured spending?"
Jun 24, 2013 | 12:51 pm
#2160
Join Date: Nov 2005
Location: Anaheim Hills, CA
Programs: UA 1K, 1.3mm
Posts: 918