Nov 10, 13, 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
Nov 22, 10, 3:43 am
#18
Join Date: May 2010
Location: Down Under
Programs: AA Plat, CO Plat, DL Plat, FB Plat, UA 1P, VA Plat, VS Silver, SPG Plat, Hertz PC, National EE
Posts: 144
Be very careful
Accounts are being shut down right, left and centre.
If they sniff you're up to something, they'll close you down.
Don't send back and forth immediately, stagger amounts, use different names/IP addresses etc.
A bit of common sense goes a long way...
If they sniff you're up to something, they'll close you down.
Don't send back and forth immediately, stagger amounts, use different names/IP addresses etc.
A bit of common sense goes a long way...
Nov 23, 10, 6:23 pm
#19
Join Date: Jun 2009
Location: California
Programs: AAdvantage, United MileagePlus, Alaska MileagePlan, Marriott Rewards
Posts: 132
so are there fees for personal accounts now?
the amazon payments website isnt very clear. the fees table is for amazon simplepay and checkout by amazon... not personal accounts correct?
the amazon payments website isnt very clear. the fees table is for amazon simplepay and checkout by amazon... not personal accounts correct?
May 20, 11, 1:04 pm
#20
Join Date: Dec 2008
Location: SFO/EWR/DEL
Programs: UA Plat, HH Diamond
Posts: 2,917
Bump. I can't find this either. Is it possible to do $$1k/month through this service without any problems like having the account closed?
May 20, 11, 1:37 pm
#21
Join Date: May 2011
Location: Everywhere
Programs: Who cares... status is a Red Herring.
Posts: 733
* Minimum of $1.00 for Amazon.com Gift Certificate withdrawals"
https://payments.amazon.com/sdui/sdu...nal/webpay/faq
#11
Would this apply to what you did?
May 20, 11, 1:46 pm
#22
Join Date: May 2011
Location: Everywhere
Programs: Who cares... status is a Red Herring.
Posts: 733
I can not find ANYTHING about a maximum on the amazon site yet... but i did read that people were banned for doing more than $1,000 at a time. But I'm told $1000 a month is no problem. I think I'm gonna do that. Send $1k a month from wife to self (with only 1 card at a time?).
May 20, 11, 4:02 pm
#23
Suspended
Original Poster
Join Date: May 2010
Posts: 2,998
I can not find ANYTHING about a maximum on the amazon site yet... but i did read that people were banned for doing more than $1,000 at a time. But I'm told $1000 a month is no problem. I think I'm gonna do that. Send $1k a month from wife to self (with only 1 card at a time?).
And no, you do to get banned for trying to send more than $1k, it just won't go thru
You WILL get banned if you try to set up a lot of accounts and send a lot more $. They may not catch on right away, but they will eventually.
May 20, 11, 4:26 pm
#24
Join Date: May 2011
Location: Everywhere
Programs: Who cares... status is a Red Herring.
Posts: 733
"edit my account settings" -> middle section where it says "view my account limits"
And no, you do to get banned for trying to send more than $1k, it just won't go thru
You WILL get banned if you try to set up a lot of accounts and send a lot more $. They may not catch on right away, but they will eventually.
And no, you do to get banned for trying to send more than $1k, it just won't go thru
You WILL get banned if you try to set up a lot of accounts and send a lot more $. They may not catch on right away, but they will eventually.
But this still seems like a great way to meet spending requirements on cards. Easier than the mint coins even.
