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 9, 2014 | 11:31 am
#3526
Suspended
Join Date: Dec 2013
Posts: 632
Yeah, I'm trying to buy myself a Darwin Award on Amazon but everytime I go through to check out it changes in my cart to a t-shirt that says I'm With Stupid and has an arrow pointing up. I think its trying to tell me something.
Feb 9, 2014 | 11:37 am
#3527
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Good luck liquidating. No good avenues via Amazon.
Feb 9, 2014 | 12:25 pm
#3529
Join Date: Oct 2013
Posts: 920
Buy an expensive item on an Amazon lightning deal and resell it?
Feb 9, 2014 | 3:59 pm
#3531
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
If you can't click around on the BB site and see it in bold where the routing/account numbers are... You shouldn't be attempting this.
Feb 9, 2014 | 7:31 pm
#3533
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Everyone wants things handed to them without taking a quick look.
Feb 9, 2014 | 7:35 pm
#3534
Join Date: Sep 2013
Posts: 829
Feb 9, 2014 | 7:58 pm
#3535
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Feb 9, 2014 | 8:26 pm
#3537
Join Date: Jun 2012
Location: Atlanta
Programs: Delta Diamond; HHonors Diamond
Posts: 655
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 | 8:47 pm
#3538
Join Date: Jun 2012
Location: Atlanta
Programs: Delta Diamond; HHonors Diamond
Posts: 655
Does moving money from AP to a BB account count against the $5K per month limit on loading the BB account with VRs and Wally World in-person swipes? Or, does doing this allow you to add the AP funds to BB above and beyond the $5K already being added through VRs and in-person swipes?
Feb 9, 2014 | 8:50 pm
#3539
Used to be ' simz '
Join Date: Jan 2012
Location: Kolkata, India
Programs: Does it matter..??? It doesn't matter to them
Posts: 1,142
Has anyone actually done this? For my circumstances, the key question for whether this would be beneficial is Blueskyheaven's above --
Does moving money from AP to a BB account count against the $5K per month limit on loading the BB account with VRs and Wally World in-person swipes? Or, does doing this allow you to add the AP funds to BB above and beyond the $5K already being added through VRs and in-person swipes?
Does moving money from AP to a BB account count against the $5K per month limit on loading the BB account with VRs and Wally World in-person swipes? Or, does doing this allow you to add the AP funds to BB above and beyond the $5K already being added through VRs and in-person swipes?
Feb 9, 2014 | 10:58 pm
#3540
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 728
Has anyone actually done this? For my circumstances, the key question for whether this would be beneficial is Blueskyheaven's above --
Does moving money from AP to a BB account count against the $5K per month limit on loading the BB account with VRs and Wally World in-person swipes? Or, does doing this allow you to add the AP funds to BB above and beyond the $5K already being added through VRs and in-person swipes?
Does moving money from AP to a BB account count against the $5K per month limit on loading the BB account with VRs and Wally World in-person swipes? Or, does doing this allow you to add the AP funds to BB above and beyond the $5K already being added through VRs and in-person swipes?