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
Jan 24, 2014, 6:15 pm
#3362
Join Date: Jan 2005
Location: YUL
Programs: Marriott Plat Premier, HHonors Gold
Posts: 122
See post #1964:
"My prg Amex statement showed the amazon payments as not being eligible for MR points. Anyone else experience this ?"
http://www.flyertalk.com/forum/manuf...ments-131.html
and:
"Tip: Don’t use American Express issued cards like the PRG or Platinum. This will send a red flag to Amex and no body wants that. The Starwood Preferred Guest card seems to work though."
http://www.noobtraveler.com/amazon-p...inimum-spends/
"My prg Amex statement showed the amazon payments as not being eligible for MR points. Anyone else experience this ?"
http://www.flyertalk.com/forum/manuf...ments-131.html
and:
"Tip: Don’t use American Express issued cards like the PRG or Platinum. This will send a red flag to Amex and no body wants that. The Starwood Preferred Guest card seems to work though."
http://www.noobtraveler.com/amazon-p...inimum-spends/
Jan 24, 2014, 6:31 pm
#3363
Join Date: Sep 2013
Posts: 829
See post #1964:
"My prg Amex statement showed the amazon payments as not being eligible for MR points. Anyone else experience this ?"
http://www.flyertalk.com/forum/manuf...ments-131.html
and:
"Tip: Don’t use American Express issued cards like the PRG or Platinum. This will send a red flag to Amex and no body wants that. The Starwood Preferred Guest card seems to work though."
http://www.noobtraveler.com/amazon-p...inimum-spends/
"My prg Amex statement showed the amazon payments as not being eligible for MR points. Anyone else experience this ?"
http://www.flyertalk.com/forum/manuf...ments-131.html
and:
"Tip: Don’t use American Express issued cards like the PRG or Platinum. This will send a red flag to Amex and no body wants that. The Starwood Preferred Guest card seems to work though."
http://www.noobtraveler.com/amazon-p...inimum-spends/
Jan 25, 2014, 10:43 am
#3366
Join Date: Jan 2005
Location: YUL
Programs: Marriott Plat Premier, HHonors Gold
Posts: 122
Someone PM'ed me saying they didn't receive any MR's from using their PRG on AP.
Can anyone else confirm this?
Can anyone else confirm this?
Jan 27, 2014, 6:54 am
#3370
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Jan 27, 2014, 8:02 am
#3371
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
Jan 27, 2014, 8:22 am
#3372
Join Date: Feb 2009
Posts: 64
I've been sending $1k/mo back and forth between my wife and me for a year or so. A week ago sent $1k from her->me. Last payment from me->her was 12/31. Just tried to do my Jan $1k from me->her and got a failure that I have already exceeded my limit. Limit shows $0 in my profile, but there is no outgoing payment since 12/31.
I thought we established that the limits are by calendar month. Anyone have any idea what's up? Any chance they made it a $1k limit total for all CC transactions, in and out? Yikes!
I thought we established that the limits are by calendar month. Anyone have any idea what's up? Any chance they made it a $1k limit total for all CC transactions, in and out? Yikes!
Jan 27, 2014, 8:24 am
#3373
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
I've been sending $1k/mo back and forth between my wife and me for a year or so. A week ago sent $1k from her->me. Last payment from me->her was 12/31. Just tried to do my Jan $1k from me->her and got a failure that I have already exceeded my limit. Limit shows $0 in my profile, but there is no outgoing payment since 12/31.
I thought we established that the limits are by calendar month. Anyone have any idea what's up? Any chance they made it a $1k limit total for all CC transactions, in and out? Yikes!
I thought we established that the limits are by calendar month. Anyone have any idea what's up? Any chance they made it a $1k limit total for all CC transactions, in and out? Yikes!
Jan 27, 2014, 9:49 am
#3375
Join Date: Jan 2014
Posts: 46
"Important Message:
This functionality has been disabled on your account. We have failed in verifying the information submitted by you. Click here to find out more about these restrictions."
I know some folks have gotten this in the thread already, but has anyone gotten it on their first try trying to claim a payment? There's pretty much no history whatsoever. Signed up, was sent money, tried to claim, and this message comes up.
This functionality has been disabled on your account. We have failed in verifying the information submitted by you. Click here to find out more about these restrictions."
I know some folks have gotten this in the thread already, but has anyone gotten it on their first try trying to claim a payment? There's pretty much no history whatsoever. Signed up, was sent money, tried to claim, and this message comes up.