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
Aug 27, 2013 | 1:15 pm
#2431
Join Date: May 2013
Posts: 83
Newbie here. When people talk about sending money using Amazon Payments, are they referrring to Amazon WebPay? I am trying to find some documentation where it says that the transfer up to $1000/month is free. Can you please point me to it? I plan to do A -> B, if that option exists.
Aug 27, 2013 | 1:25 pm
#2432
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Newbie here. When people talk about sending money using Amazon Payments, are they referrring to Amazon WebPay? I am trying to find some documentation where it says that the transfer up to $1000/month is free. Can you please point me to it? I plan to do A -> B, if that option exists.
Welcome to Flyertalk!
Aug 27, 2013 | 1:26 pm
#2433
Join Date: May 2000
Location: I see palm trees....
Posts: 414
Newbie here. When people talk about sending money using Amazon Payments, are they referrring to Amazon WebPay? I am trying to find some documentation where it says that the transfer up to $1000/month is free. Can you please point me to it? I plan to do A -> B, if that option exists.
http://www.lmgtfy.com/?q=amazon+payments
Aug 27, 2013 | 1:46 pm
#2434
Join Date: Jul 2013
Posts: 95
Newbie here. When people talk about sending money using Amazon Payments, are they referrring to Amazon WebPay? I am trying to find some documentation where it says that the transfer up to $1000/month is free. Can you please point me to it? I plan to do A -> B, if that option exists.
Aug 27, 2013 | 1:47 pm
#2435
Join Date: Jan 2013
Posts: 322
Aug 27, 2013 | 1:47 pm
#2436
Join Date: May 2013
Posts: 83
Sigh. Circles, arrows, hand holding included: Amazon Payments for people who don't want to research. Audio version for non-readers coming soon!
Welcome to Flyertalk!
Welcome to Flyertalk!
Thanks. I have read that and also the posts on this thread. But I still can't find where it says it is FREE to send up to $1000 per month. I saw this link https://payments.amazon.com/sdui/sdu...-Payments-Fees but it shows a fee for sending money. I just wanted to confirm that this is the same service that people are using to send money on Amazon.
Aug 27, 2013 | 3:47 pm
#2437
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: 965
Thanks. I have read that and also the posts on this thread. But I still can't find where it says it is FREE to send up to $1000 per month. I saw this link https://payments.amazon.com/sdui/sdu...-Payments-Fees but it shows a fee for sending money. I just wanted to confirm that this is the same service that people are using to send money on Amazon.
Aug 27, 2013 | 3:58 pm
#2438
Join Date: Aug 2011
Programs: AA, UAL
Posts: 545
Ok, I am newbie for AP, had read about it when it started few years ago but it sounded too good to be true (since I am a paypal user), so didn't try it.
After reading last few pages (about 20 of them), have decided to open AP account for self (A) and spouse (B). Am planning to do:
A --> B --> Bank account, few weeks later, B --> A --> Bank account.
With whatever knowledge I have gathered on this thread, I think above should be ok and won't create any major ripples in the pond
Please correct me in case I am amiss.
Cheers!
After reading last few pages (about 20 of them), have decided to open AP account for self (A) and spouse (B). Am planning to do:
A --> B --> Bank account, few weeks later, B --> A --> Bank account.
With whatever knowledge I have gathered on this thread, I think above should be ok and won't create any major ripples in the pond
Please correct me in case I am amiss.
Cheers!
Aug 27, 2013 | 4:09 pm
#2439
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: 965
Ok, I am newbie for AP, had read about it when it started few years ago but it sounded too good to be true (since I am a paypal user), so didn't try it.
After reading last few pages (about 20 of them), have decided to open AP account for self (A) and spouse (B). Am planning to do:
A --> B --> Bank account, few weeks later, B --> A --> Bank account.
With whatever knowledge I have gathered on this thread, I think above should be ok and won't create any major ripples in the pond
Please correct me in case I am amiss.
Cheers!
After reading last few pages (about 20 of them), have decided to open AP account for self (A) and spouse (B). Am planning to do:
A --> B --> Bank account, few weeks later, B --> A --> Bank account.
With whatever knowledge I have gathered on this thread, I think above should be ok and won't create any major ripples in the pond
Please correct me in case I am amiss.
Cheers!
Aug 27, 2013 | 7:57 pm
#2441
Join Date: Aug 2011
Programs: AA, UAL
Posts: 545
Aug 27, 2013 | 8:50 pm
#2442
Join Date: Sep 2009
Posts: 2,894
Every time I have made an Amazon payment, it says "pending" even though the recipient has already received the payment. Check the other end of the transaction, and you will likely be pleased......
Aug 27, 2013 | 9:15 pm
#2443
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: 965
I am sure there can be a legitimate reason for a circle but why take chances with the cardinals.. better safe than sorry...
Aug 27, 2013 | 9:19 pm
#2444
Join Date: May 2000
Location: I see palm trees....
Posts: 414
I've been doing A to B to bank with an immediate (1 min later) B to A to bank every month for two years now. All full $1K amounts.
So either I am incredibly lucky or AP just doesn't give a rat's a$$.
You decide which one....
Personally, I think the key to being safe is different bank accounts.
Aug 28, 2013 | 12:03 am
#2445
Join Date: Jun 2013
Posts: 1,065
Unwarranted concern, if you ask me.
I've been doing A to B to bank with an immediate (1 min later) B to A to bank every month for two years now. All full $1K amounts.
So either I am incredibly lucky or AP just doesn't give a rat's a$$.
You decide which one....
Personally, I think the key to being safe is different bank accounts.
I've been doing A to B to bank with an immediate (1 min later) B to A to bank every month for two years now. All full $1K amounts.
So either I am incredibly lucky or AP just doesn't give a rat's a$$.
You decide which one....
Personally, I think the key to being safe is different bank accounts.