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
Feb 8, 2014 | 10:17 am
#3511
Join Date: Feb 2013
Location: NY
Posts: 233
Names are different, SSN are different, Bank accounts are different, credit cards are different.
Mailing addresses are the same. Just like the guy I quoted.
I use incognito browser when looking at account B. Account A is my real personal Amazon account, I've used it for years. I don't understand how it needs to be verified. I can't add or change anything in the account settings.
Mailing addresses are the same. Just like the guy I quoted.
I use incognito browser when looking at account B. Account A is my real personal Amazon account, I've used it for years. I don't understand how it needs to be verified. I can't add or change anything in the account settings.
Feb 8, 2014 | 10:24 am
#3512
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Interesting. That guy you quoted was myself. Think hard, was there really nothing you've done differently than I? It's just suspicious that I say I haven't had a single issue for two years and all of the sudden, someone with my exact same setup and process, has an issue...
Feb 8, 2014 | 11:45 am
#3513
Join Date: Feb 2013
Location: NY
Posts: 233
Unless account A really isn't verified. I just checked my email archives and I have an Amazon payments email from 2012 requesting verification. I don't know why I wouldn't have verified it back then... I contacted customer service via email requesting a verification link. I can't do it through AP.
Feb 8, 2014 | 1:45 pm
#3514
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Called customer service and explained to them that I needed to verify my account. He attempted to walk me through the verification process but was stumped when the AP links didn't populate. They are referring my account to a different department.
I signed up for AP 1 Nov 2012 and never used it until this past week when I did my first A to B transfer. I don't believe I'm "shut down", the guy was saying that accounts need to be verified because the IRS requires Amazon to track money transactions. I'm waiting for an email from AP tech support to see if they can update my account.
I signed up for AP 1 Nov 2012 and never used it until this past week when I did my first A to B transfer. I don't believe I'm "shut down", the guy was saying that accounts need to be verified because the IRS requires Amazon to track money transactions. I'm waiting for an email from AP tech support to see if they can update my account.
Feb 8, 2014 | 6:21 pm
#3515
Join Date: Jul 2013
Posts: 1,872
anyone knows if you can withdraw the $1k AP you received to Blue bird account instead of your normal bank checking account?? will that count in the $5k monthly load limit?
BB has checking option right?Tired of withdrawing this to chase checking. Please tell me where is the option on BB account to do this?
Thanks
BB has checking option right?Tired of withdrawing this to chase checking. Please tell me where is the option on BB account to do this?
Thanks
Last edited by Blueskyheaven; Feb 8, 2014 at 6:29 pm
Feb 8, 2014 | 6:36 pm
#3516
Join Date: Dec 2013
Posts: 3,616
anyone knows if you can withdraw the $1k AP you received to Blue bird account instead of your normal bank checking account?? will that count in the $5k monthly load limit?
BB has checking option right?Tired of withdrawing this to chase checking. Please tell me where is the option on BB account to do this?
Thanks
BB has checking option right?Tired of withdrawing this to chase checking. Please tell me where is the option on BB account to do this?
Thanks
Feb 8, 2014 | 6:49 pm
#3517
Join Date: Jul 2013
Posts: 1,872
added the BB account # routing number on AP but it says there is no instant verification with this so it has to be manual 2 small DD.
Last edited by Blueskyheaven; Feb 8, 2014 at 7:01 pm
Feb 8, 2014 | 7:02 pm
#3518
Join Date: Jul 2013
Posts: 1,872
Feb 9, 2014 | 2:00 am
#3520
Join Date: Feb 2011
Location: Orange County, CA
Programs: Delta PM | US PP | Hilton Gold
Posts: 288
Feb 9, 2014 | 8:10 am
#3521
Join Date: Sep 2006
Posts: 526
Sorry if this was already asked/answered, but I did not see it in the FAQ or in my search. Can Amazon Payments be used to transfer money to a Blue Bird sub account? Assuming no since in general my understanding is that sub accounts cannot be "externally funded", but can anyone confirm? Thanks.
Feb 9, 2014 | 10:35 am
#3522
Used to be ' simz '
Join Date: Jan 2012
Location: Kolkata, India
Programs: Does it matter..??? It doesn't matter to them
Posts: 1,142
Sorry if this was already asked/answered, but I did not see it in the FAQ or in my search. Can Amazon Payments be used to transfer money to a Blue Bird sub account? Assuming no since in general my understanding is that sub accounts cannot be "externally funded", but can anyone confirm? Thanks.
Feb 9, 2014 | 11:07 am
#3524
Suspended
Join Date: Dec 2013
Posts: 632
UGH. I just tried to withdraw money from my account to my bank and it somehow switched me from bank account to gift card. So now I have a $1000 gift card I have to unwind somehow. That will be the last time I speed through the withdraw process!
Feb 9, 2014 | 11:21 am
#3525
Join Date: Dec 2013
Posts: 3,616
ROFL..I must grant you Best Post of the Day!!