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
Dec 24, 2013 | 12:23 pm
#3152
Join Date: Sep 2013
Posts: 829
That's how I got one of my accounts shut down:
- B2 sent $1000 to A2 using CC;
- B3 sent $1000 to A3 using the very same CC;
Same address for B2, A2, B3, A3. Different checking accounts for A2 and A3.
A3 account was shut down.
Other accounts are alive and well.
- B2 sent $1000 to A2 using CC;
- B3 sent $1000 to A3 using the very same CC;
Same address for B2, A2, B3, A3. Different checking accounts for A2 and A3.
A3 account was shut down.
Other accounts are alive and well.
Dec 24, 2013 | 11:10 pm
#3153
Suspended
Join Date: Aug 2013
Posts: 267
it appears that my spicy ramen noodles just shipped the other day, so my amazon shopping acct is alive and well, even if the ap aspect of the account is suspended.
i dont care, i would rather have my nong shim than my ap any day. (yum)
pls pass the sirchachacha sauce.
i dont care, i would rather have my nong shim than my ap any day. (yum)
pls pass the sirchachacha sauce.
Dec 26, 2013 | 10:03 am
#3154
Join Date: Nov 2012
Posts: 126
I just set up additional new account with same ssn and passed verification with AP account and linked it to different bank account. but when I tried to send some money with CC and got "We're sorry but this transaction could not be completed because the recipient cannot receive this payment." can someone help? thx
Dec 26, 2013 | 10:29 am
#3155
Join Date: Sep 2013
Posts: 829
I just set up additional new account with same ssn and passed verification with AP account and linked it to different bank account. but when I tried to send some money with CC and got "We're sorry but this transaction could not be completed because the recipient cannot receive this payment." can someone help? thx
But most probably your recipient account is no longer on the AP network.
Don't wanna be a bearer of bad news.
Dec 26, 2013 | 11:03 am
#3156
Join Date: Nov 2012
Posts: 126
thx for the reply. Yes, I can log in both my new account and another account I'd like to send money to. also this is first time to test my new account to send money with only $20. just don't know why unable to send the money. anyone in the same boat?
Dec 26, 2013 | 11:12 am
#3157
Join Date: Sep 2013
Posts: 829
Did you verify bank accounts?
Dec 26, 2013 | 11:21 am
#3158
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Be prepared to send in some documentation.
Dec 26, 2013 | 12:33 pm
#3159
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
Have you already sent any money to the receiving account this month? Remember their is a receive limit of $1k as well as a send limit. If the receiving account isn't verified, I think the limit is just $500.
Dec 26, 2013 | 1:26 pm
#3160
Join Date: Nov 2012
Posts: 126
Oh u r right! the recipient account already received $1000 for this month. thx for the info. btw, both accounts got verified and linked to different bank accounts.
Dec 26, 2013 | 1:30 pm
#3161
Join Date: Nov 2012
Posts: 126
I have an additional account being asked for DL for verification (2nd account with same ssn). Is it safe to send them the documentation requested? I already used the same ssn for one account for a couple of years and has been good so far.
Dec 26, 2013 | 6:22 pm
#3162
Join Date: Sep 2013
Posts: 829
In other news: the headhunters shut down my A2 account.
I don't like it. My wonderful chain needs one more account.
Dec 28, 2013 | 4:35 pm
#3163
Join Date: Dec 2013
Location: ATL
Posts: 44
Is this bad?
Pending
We are unable to complete your transaction until further review. It can take up to 24 hours to complete this transaction. We apologize for any inconvenience this delay may cause.
New credit card activated today, old amazon account with payments recently activated, and a relatively new ap account. Both with same name/social, different bank accounts and credit cards.
I hope I didn't screw up my first MS attempt...
Pending
We are unable to complete your transaction until further review. It can take up to 24 hours to complete this transaction. We apologize for any inconvenience this delay may cause.
New credit card activated today, old amazon account with payments recently activated, and a relatively new ap account. Both with same name/social, different bank accounts and credit cards.
I hope I didn't screw up my first MS attempt...
Dec 28, 2013 | 5:22 pm
#3165
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Is this bad?
Pending
We are unable to complete your transaction until further review. It can take up to 24 hours to complete this transaction. We apologize for any inconvenience this delay may cause.
New credit card activated today, old amazon account with payments recently activated, and a relatively new ap account. Both with same name/social, different bank accounts and credit cards.
I hope I didn't screw up my first MS attempt...
Pending
We are unable to complete your transaction until further review. It can take up to 24 hours to complete this transaction. We apologize for any inconvenience this delay may cause.
New credit card activated today, old amazon account with payments recently activated, and a relatively new ap account. Both with same name/social, different bank accounts and credit cards.
I hope I didn't screw up my first MS attempt...