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
Mar 18, 2014 | 6:01 am
#3751
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,386
Mar 18, 2014 | 12:30 pm
#3753
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,386
Mar 18, 2014 | 1:34 pm
#3755
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
What's interesting is when I push AP to Citi, it takes 24 hours. I pulled Citi to AP on the 13th and it's still not in there. It's out of Citi as of the 17th, but still doesn't show available in AP. Annoying.
Mar 18, 2014 | 1:38 pm
#3756
Join Date: Jun 2007
Posts: 1,627
Pls reply to newbie question
If I open an account for me and spouse - then transfer from me to spouse - next month transfer back from spouse to me - will it work as long is it is no more than 1k?
After I transfer the money from me to spouse - can my spouse transfer it back to her checking a/c? All these for no fees?
we have same last name - I usually only use initial for the first name - will this be ok?
But use different IP for each of this accounts mentioned?
Are there any other interesting things people are doing?
After I transfer the money from me to spouse - can my spouse transfer it back to her checking a/c? All these for no fees?
we have same last name - I usually only use initial for the first name - will this be ok?
But use different IP for each of this accounts mentioned?
Are there any other interesting things people are doing?
Mar 18, 2014 | 1:43 pm
#3757
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,939
Mar 18, 2014 | 1:50 pm
#3758
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Serve promotion: 2x Direct Deposits totalling >$500 nets $50 promo credit to Serve Account. Pull $505 into AP from your bank, transfer $252.50 to Serve twice (I plan to do it over 2 days), BP the $555 to yourself or withdraw to bank account.
Mar 18, 2014 | 1:55 pm
#3759
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,386
Mar 18, 2014 | 2:21 pm
#3761
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Mar 18, 2014 | 2:27 pm
#3762
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,939
Mar 18, 2014 | 2:33 pm
#3763
Join Date: Jun 2007
Posts: 1,627
So if I summarize it (with some questions):
- You to your spouse (IP address #1)
- spouse to her bank (IP address #2)
- Spouse to you (IP address #2)
- you to credit card (what is this?) - How do I do it? (IP address #1)
why not you to Bank?
I am a beginner and pls give me bullet proof steps.
Mar 18, 2014 | 2:37 pm
#3764
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,939
Thanks UA Fan & roki:
So if I summarize it (with some questions):
- You to your spouse (IP address #1)
- spouse to her bank (IP address #2)
- Spouse to you (IP address #2)
- you to credit card (what is this?) - How do I do it? (IP address #1)
why not you to Bank?
I am a beginner and pls give me bullet proof steps.
So if I summarize it (with some questions):
- You to your spouse (IP address #1)
- spouse to her bank (IP address #2)
- Spouse to you (IP address #2)
- you to credit card (what is this?) - How do I do it? (IP address #1)
why not you to Bank?
I am a beginner and pls give me bullet proof steps.
Mar 18, 2014 | 2:38 pm
#3765
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Thanks UA Fan & roki:
So if I summarize it (with some questions):
- You to your spouse (IP address #1)
- spouse to her bank (IP address #2)
- Spouse to you (IP address #2)
- you to credit card (what is this?) - How do I do it? (IP address #1)
why not you to Bank?
I am a beginner and pls give me bullet proof steps.
So if I summarize it (with some questions):
- You to your spouse (IP address #1)
- spouse to her bank (IP address #2)
- Spouse to you (IP address #2)
- you to credit card (what is this?) - How do I do it? (IP address #1)
why not you to Bank?
I am a beginner and pls give me bullet proof steps.
1. Send your spouse $1K AS GOODS/SERVICES, funded by credit card
2. Spouse withdraw $1K into her linked bank account
Now your spouse has an extra $1K in her bank account. Use that money to pay your credit card. This is done entirely outside of Amazon payments. She can directly pay your card, write you a check, transfer the funds to your checking account if your accounts are linked, or however you guys generally would consolidate funds.
I don't bother using different IPs religiously, but it's probably safer.