Amazon Payments

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Old Nov 1, 14, 11:24 pm   -   Wikipost
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Additionally, we have updated the terms and conditions of our User Agreement (https://payments.amazon.com/help/Per...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.
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:
  • 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
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Old Oct 28, 13, 2:26 pm
  #2791
 
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Originally Posted by zenride View Post
I don't know if anything has changed recently, but using the same IP and sending to someone at same the address was done many times in the past without problem.
+1

I've been doing this for months. I manage both accounts from my computer and we live at the same address - A > B (withdrawal to B's individual account) B > A (withdrawal to A's individual account).

The only thing I do to avoid problems is I separate those two transactions by about a week, and I try to wait at least a few hours between transfer and withdrawal (Usually either transfer in morning and withdraw in evening, or transfer in evening and withdraw next morning). I also transfer varying amounts (not the full $1000) ranging between ~$985-$999 - and not the same amount between the two accounts. i.e., A-B transfer is $992, B-A is $997.
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Old Oct 28, 13, 10:58 pm
  #2792
 
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Anyone know if the Discover IT 5% counts this year? I see a lot of people asking but should've gotten some confirmation by now...
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Old Oct 28, 13, 11:13 pm
  #2793
 
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Originally Posted by Stiga9 View Post
Anyone know if the Discover IT 5% counts this year? I see a lot of people asking but should've gotten some confirmation by now...
Yes.
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Old Oct 28, 13, 11:14 pm
  #2794
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Originally Posted by Stiga9 View Post
Anyone know if the Discover IT 5% counts this year? I see a lot of people asking but should've gotten some confirmation by now...
One blog reports that the answer is yes:
http://romsdeals.com/2013/10/24/does...azon-payments/
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Old Oct 28, 13, 11:16 pm
  #2795
 
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thanks
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Old Oct 29, 13, 12:07 am
  #2796
 
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Only have $500 left with Discover to get the last of the bonus. Hopefully I can finish it at the first of the month before the statement cuts.
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Old Oct 29, 13, 10:10 am
  #2797
 
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Anybody having trouble adding in Bank and verify instantly?
I never had an issue until today. Maybe system down?
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Old Oct 29, 13, 3:22 pm
  #2798
 
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anyone try A>B and C>D?

A and C same everything except bank and cc
B and D same everything except bank and cc
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Old Oct 29, 13, 4:06 pm
  #2799
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Originally Posted by vobot View Post
anyone try A>B and C>D?

A and C same everything except bank and cc
B and D same everything except bank and cc
Since you need a Social, how are you going to do that?
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Old Oct 29, 13, 11:57 pm
  #2800
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Does Club Carlson Visa work well with AP? I am thinking of only around $1-2 K.

TIA!

Last edited by gv111; Oct 30, 13 at 12:08 am
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Old Oct 30, 13, 12:58 am
  #2801
 
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Originally Posted by gv111 View Post
Does Club Carlson Visa work well with AP? I am thinking of only around $1-2 K.

TIA!
I see no reason why it wouldn't work as well as any other CC.
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Old Oct 30, 13, 6:00 am
  #2802
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Originally Posted by dedkends View Post
I see no reason why it wouldn't work as well as any other CC.
Because US bank is a totally different animal and I don't want to jeopardize this card by even a smallest risk.
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Old Oct 30, 13, 7:58 am
  #2803
 
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Originally Posted by gv111 View Post
Quote:





Originally Posted by dedkends


I see no reason why it wouldn't work as well as any other CC.




Because US bank is a totally different animal and I don't want to jeopardize this card by even a smallest risk.
t

I would pass using the US Bank card because there is always a risk manufacturing spending no matter how small it may be.
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Old Oct 30, 13, 10:03 am
  #2804
 
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Originally Posted by zenride View Post
I don't know if sending payments to the same address can be cause of account closure. I would apply for another account with a slightly different name spelling and different email. I would also avoid making payments to the same address if you can. It's also possible that using the same computer/IP was the cause of closure even though it has not been a problem for me yet, so no harm in avoiding that too.
I don't think it's the same IP either that got him shut down. I have been using the same computer for my wife and I for over a year with no issue. Of course we may just be lucky.
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Old Oct 30, 13, 10:09 am
  #2805
 
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Originally Posted by gv111 View Post
Because US bank is a totally different animal...
So true, so true.
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