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 20, 2013, 10:26 pm
#2717
Join Date: Mar 2013
Posts: 149
Does AP know the owner names and billing addresses of the bank account?
Instead of having my mom withdraw money to her own bank account, I want her to withdraw to my own account (not the one I use for my own AP though). I added her as a Joint Owner to our new bank account.
However, the new bank account billing address is mine, but upon adding the bank account on her AP, I will choose her own billing address, not mine. Any problem with this?
Instead of having my mom withdraw money to her own bank account, I want her to withdraw to my own account (not the one I use for my own AP though). I added her as a Joint Owner to our new bank account.
However, the new bank account billing address is mine, but upon adding the bank account on her AP, I will choose her own billing address, not mine. Any problem with this?
Last edited by Stiga9; Oct 20, 2013 at 10:50 pm Reason: typo
Oct 20, 2013, 11:15 pm
#2718
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Does AP know the owner names and billing addresses of the bank account?
Instead of having my mom withdraw money to her own bank account, I want her to withdraw to my own account (not the one I use for my own AP though). I added her as a Joint Owner to our new bank account.
However, the new bank account billing address is mine, but upon adding the bank account on her AP, I will choose her own billing address, not mine. Any problem with this?
Instead of having my mom withdraw money to her own bank account, I want her to withdraw to my own account (not the one I use for my own AP though). I added her as a Joint Owner to our new bank account.
However, the new bank account billing address is mine, but upon adding the bank account on her AP, I will choose her own billing address, not mine. Any problem with this?
Oct 21, 2013, 6:31 am
#2719
Join Date: Sep 2011
Posts: 268
AP is really pissing me off. SO's AP account needs more "additional information". After adding bank account, they sent an email saying a CC needed to be added. Yet it's still "not verified", sent an email. They want a copy of a ID. Seriously? You ask for her information while signing up, once again after signing up, and when adding bank & CC.
How frustrating.
Meanwhile, I opened two accounts. No issues.
How frustrating.
Meanwhile, I opened two accounts. No issues.
Oct 21, 2013, 10:38 pm
#2721
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Finally got it. Now the funds are flowing.
There is auto deposit from bank account, but no auto withdraw.
Oct 22, 2013, 12:51 am
#2722
Join Date: Apr 2013
Location: SFO
Posts: 33
I sent my dad $$ via AP for the first time. Payment went through perfectly.
However, dad got this message:
What credit card transaction are they talking about? He didn't send the money, he is just receiving. What exactly do they want him to fax in? thanks...
However, dad got this message:
Greetings from Amazon Payments.
Unfortunately, we are currently unable to process your transaction(s). As part of our verification process, we request that you fax us a copy of a recent credit card billing statement confirming the name, address, and telephone number associated with the credit card presented for your transaction. You can fax this documentation to our fax number at 1-800-887-0540 or 001-206-765-3424
Unfortunately, we are currently unable to process your transaction(s). As part of our verification process, we request that you fax us a copy of a recent credit card billing statement confirming the name, address, and telephone number associated with the credit card presented for your transaction. You can fax this documentation to our fax number at 1-800-887-0540 or 001-206-765-3424
Oct 22, 2013, 6:20 am
#2723
Join Date: Feb 2013
Posts: 291
Maybe just email them the same question and find out?
Oct 22, 2013, 8:58 am
#2724
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
I think it has to do with account verification. When I first sent over $250. They also freaked out on my account too.
Oct 22, 2013, 2:14 pm
#2725
Join Date: Apr 2013
Location: SFO
Posts: 33
The credit card my dad has on file was inactive, that was all.
Oct 22, 2013, 6:07 pm
#2726
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
I finished my 1K.
A > C > B.
(A&B me) (C - GF)
Now can I do another card and do
B > C > A?
Since both B & A are me, my limits aren't up for B just A.
Anyone do it?
A > C > B.
(A&B me) (C - GF)
Now can I do another card and do
B > C > A?
Since both B & A are me, my limits aren't up for B just A.
Anyone do it?
Oct 22, 2013, 10:54 pm
#2727
Join Date: Mar 2013
Posts: 149
Oct 23, 2013, 9:00 am
#2730
Join Date: Aug 2011
Programs: AA, UAL
Posts: 545
Cheers!