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
Jul 2, 2013, 10:40 am
#2177
Join Date: Dec 2003
Programs: AA Plat Pro, United Silver, Marriott LTT, Hyatt Globalist, Hilton Diamond, IHG Platinum
Posts: 1,120
I've been doing this for over a year (A to B and back). I have 2 young adult children (20 & 17) that have unique bank accounts; they also both have Jungle accounts but no Jungle Pmt accounts. One of them is already an AU on a CC account that I'd like to get involved, and I'm willing to get a different one fro the 17yo. So you can see where I'm going with this. Someone tell me I'm not ruining my children's lives by asking them for access to their jungle account to set this up. I'm not really risking any of their money, right? Since if anything got "stuck" it would be from my CC, not from their bank account.
The 20yo would probably go along with this, suspiciously. The 17yo will ask for a cut.
The 20yo would probably go along with this, suspiciously. The 17yo will ask for a cut.
Jul 2, 2013, 11:15 am
#2178
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Might AU them on your AMEX's to manufacture some credit history for them.
I've been doing this for over a year (A to B and back). I have 2 young adult children (20 & 17) that have unique bank accounts; they also both have Jungle accounts but no Jungle Pmt accounts. One of them is already an AU on a CC account that I'd like to get involved, and I'm willing to get a different one fro the 17yo. So you can see where I'm going with this. Someone tell me I'm not ruining my children's lives by asking them for access to their jungle account to set this up. I'm not really risking any of their money, right? Since if anything got "stuck" it would be from my CC, not from their bank account.
The 20yo would probably go along with this, suspiciously. The 17yo will ask for a cut.
The 20yo would probably go along with this, suspiciously. The 17yo will ask for a cut.
Jul 2, 2013, 2:32 pm
#2179
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 956
One of my payments failed as I didnt check the remaining balance on my GC..
I tried again with the correct amount but got an error that your monthly send limit has been achieved.
anyone experienced this recently?
I tried again with the correct amount but got an error that your monthly send limit has been achieved.
anyone experienced this recently?
Jul 2, 2013, 3:06 pm
#2180
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
Try again later or tomorrow, the failed payment will get reversed with respect to your monthly limit.
Jul 2, 2013, 3:34 pm
#2181
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 956
Jul 3, 2013, 10:34 am
#2183
Used to be ' simz '
Join Date: Jan 2012
Location: Kolkata, India
Programs: Does it matter..??? It doesn't matter to them
Posts: 1,129
I recently opened an Amazon payment account.. made two transactions of $ 24 (Amex Gold) and $ 25 (Amex Gold) through my cc to check if it works.. everything went fine, so went ahead and made $ 650 (Citi AA) payment.. that went through now..
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Jul 3, 2013, 10:49 am
#2184
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,089
I recently opened an Amazon payment account.. made two transactions of $ 24 (Amex Gold) and $ 25 (Amex Gold) through my cc to check if it works.. everything went fine, so went ahead and made $ 650 (Citi AA) payment.. that went through now..
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Jul 3, 2013, 10:54 am
#2185
Used to be ' simz '
Join Date: Jan 2012
Location: Kolkata, India
Programs: Does it matter..??? It doesn't matter to them
Posts: 1,129
Jul 3, 2013, 11:01 am
#2186
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
I recently opened an Amazon payment account.. made two transactions of $ 24 (Amex Gold) and $ 25 (Amex Gold) through my cc to check if it works.. everything went fine, so went ahead and made $ 650 (Citi AA) payment.. that went through now..
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Jul 3, 2013, 6:38 pm
#2189
Join Date: Nov 2012
Location: NYC
Posts: 398
I recently opened an Amazon payment account.. made two transactions of $ 24 (Amex Gold) and $ 25 (Amex Gold) through my cc to check if it works.. everything went fine, so went ahead and made $ 650 (Citi AA) payment.. that went through now..
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Now I made a $ 5 (Citi AA) transaction.. and that is now showing as "pending further review".. I am well within the $ 1000 limit and also it's a miniscule amount.. I wonder what's going on
Jul 3, 2013, 7:53 pm
#2190
Join Date: May 2013
Location: Texas
Programs: AA, AS, DL
Posts: 111
I have a question about the 1099K. Sorry if this has been asked before but I couldn't find anything.
I will stay under the 20k and 200 transactions limit for my AZ account. However, I do use Paypal and if Paypal and AZ somehow exchange info, I will be well over the 20k and 200 transactions limit. Now individually, Paypal and AZ won't issue anything but will they cross check and then slap me in the face with a 1099K each? Thanks.
I will stay under the 20k and 200 transactions limit for my AZ account. However, I do use Paypal and if Paypal and AZ somehow exchange info, I will be well over the 20k and 200 transactions limit. Now individually, Paypal and AZ won't issue anything but will they cross check and then slap me in the face with a 1099K each? Thanks.