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
Oct 2, 2013, 8:58 am
#2581
Join Date: Dec 2010
Location: STL
Programs: Back to lowly AA Gold (1.8 MM); Hilton Gold; Hyatt Plat
Posts: 334
Thanks
Oct 2, 2013, 8:59 am
#2582
Join Date: Dec 2010
Location: STL
Programs: Back to lowly AA Gold (1.8 MM); Hilton Gold; Hyatt Plat
Posts: 334
Oct 2, 2013, 9:16 am
#2583
Join Date: Sep 2013
Posts: 829
"We're very sorry, but we're having trouble doing what you just asked us to do" I've been getting this message for the past two days when I try to add funding from a new credit card. Has anyone successfully added a new card in the last few days? Seems like a long IT outage for someone like Amazon.
Thanks
Thanks
Oct 2, 2013, 9:25 am
#2584
Join Date: Aug 2010
Location: CLT
Programs: AA, UA, BA, Hilton Diamond, Marriott Gold, IHG Platinum
Posts: 2,074
It's been said, but just to counterbalance the FALSE information, AP earned 5% last year for Discover. I've tested $10 and my statement cuts on the 5th, so I will report on Monday.
Oct 2, 2013, 9:27 am
#2585
Join Date: Aug 2013
Posts: 1,207
"We're very sorry, but we're having trouble doing what you just asked us to do" I've been getting this message for the past two days when I try to add funding from a new credit card. Has anyone successfully added a new card in the last few days? Seems like a long IT outage for someone like Amazon.
Thanks
Thanks
Oct 2, 2013, 11:46 am
#2586
Join Date: Mar 2006
Location: RDU
Posts: 812
"We're very sorry, but we're having trouble doing what you just asked us to do" I've been getting this message for the past two days when I try to add funding from a new credit card. Has anyone successfully added a new card in the last few days? Seems like a long IT outage for someone like Amazon.
Thanks
Thanks
Oct 2, 2013, 12:43 pm
#2587
Join Date: Oct 2013
Posts: 2
I have 3 accounts frozen with funds. I emailed them couple time, all I got is canned response. Whats the best course of actions here, wait for AP to sort it out, or just go ahead and file a dispute with my CC. thx in advance for advices, if PM is prefered, please let me know.
Oct 2, 2013, 3:52 pm
#2588
Join Date: Mar 2010
Posts: 1,173
...
thanks I will wait for your results.
in the meantime I have clicked on jyx and hit the good ole ignore button.
they used to let their own payment system get 5% cashback up to 1k, so I cant see why DC wouldn't work with AP.
in the meantime I have clicked on jyx and hit the good ole ignore button.
they used to let their own payment system get 5% cashback up to 1k, so I cant see why DC wouldn't work with AP.
Last edited by wise2u; Oct 2, 2013 at 3:54 pm Reason: clarify
Oct 2, 2013, 4:54 pm
#2589
Join Date: Mar 2011
Location: USA
Programs: All of em...
Posts: 1,265
I have 3 accounts frozen with funds. I emailed them couple time, all I got is canned response. Whats the best course of actions here, wait for AP to sort it out, or just go ahead and file a dispute with my CC. thx in advance for advices, if PM is prefered, please let me know.
Oct 2, 2013, 6:56 pm
#2590
Join Date: Jun 2013
Posts: 531
Oct 2, 2013, 9:14 pm
#2594
Join Date: Jul 2013
Posts: 204
Oct 2, 2013, 9:57 pm
#2595
Join Date: Aug 2010
Posts: 633
Looks like failed transactions count against the monthly limit. Stupid Discover, they put a security hold on my account after first AP transaction, so the next one didn't go through. I cleared the security on the card but AP says I have already reached my monthly limit from the failed second transaction.