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
May 23, 2012 | 3:48 pm
#378
Join Date: Jan 2011
Location: Georgia
Programs: AA, UA, DL, BA, HH, IHG
Posts: 155
how to receive money from foreign bank accounts
Does anyone know a work around so that you can receive funds from someone who has a foreign bank account? I messaged Amazon Payments and they said that transfers must come from US banks. My son has a bank account in Canada and occasionally needs to send me money to pay some his bills. Any ideas, crazy or otherwise, are appreciated.
May 23, 2012 | 4:22 pm
#379
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
No, the FRs are because AMEX hates on financial heretics. As a newly minted bank they have some fear of the unknown as well as a predisposition to be liberal in burning customers at the stake. You mistake zeal with fanatical devotion to the pope (His Holiness, The AMEX FR Playbook). First they shut all your accounts down to get you attention, then they make demands, then they take their time to check you out, then they cut your credit line to show they mean business, then in a year you are redeemed (which just means worthy of a future inquisition).
Prefer you don't do AP with AMEX. AMEX is better in grocery stores for those peculiar groceries that are long, thin and plastic. The AMEX cardinals cannot tell the difference between a turnip and a gift card bought in a grocery store. And people gotta eat, but they don't gotta do a bundle of repetitive transactions on AP.
Prefer you don't do AP with AMEX. AMEX is better in grocery stores for those peculiar groceries that are long, thin and plastic. The AMEX cardinals cannot tell the difference between a turnip and a gift card bought in a grocery store. And people gotta eat, but they don't gotta do a bundle of repetitive transactions on AP.
May 23, 2012 | 4:29 pm
#380
Suspended
Join Date: May 2012
Location: Anywhere warm & sunny
Programs: UAdbaCO-Silver, DL-Kryptonium Med, AA-Silver
Posts: 33
Does anyone know a work around so that you can receive funds from someone who has a foreign bank account? I messaged Amazon Payments and they said that transfers must come from US banks. My son has a bank account in Canada and occasionally needs to send me money to pay some his bills. Any ideas, crazy or otherwise, are appreciated.
May 24, 2012 | 4:39 am
#381
Join Date: Sep 2009
Posts: 1,758
AMEX is better in grocery stores for those peculiar groceries that are long, thin and plastic. The AMEX cardinals cannot tell the difference between a turnip and a gift card bought in a grocery store. And people gotta eat, but they don't gotta do a bundle of repetitive transactions on AP.
May 24, 2012 | 5:24 am
#382
Suspended
Join Date: May 2012
Location: Anywhere warm & sunny
Programs: UAdbaCO-Silver, DL-Kryptonium Med, AA-Silver
Posts: 33
For those FTers that are a little confused by AlohaDaveKendy's "tongue & Cheek" reference to "heretics" and the "Cardinals" in this post and others, check out thus youtube clip.
http://www.youtube.com/watch?v=Ixgc_FGam3s
Sorry Dave If I'm spilling the beans...
http://www.youtube.com/watch?v=Ixgc_FGam3s
Sorry Dave If I'm spilling the beans...
May 24, 2012 | 6:29 am
#383
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
QL_714 - my foes ain't gonna knock on the door if I stay on the Viking ship with Sven, Lars and the gang from Capital One. Besides, my "foes" already blessed my unholy shopping spree that started after my FR when I promised I would stop stocking out AMEX gift cards to use over at at Tiny Tim's Metalworks. I kept my end of the bargain, which was kinda easy since Tiny Tim shut down the metalworks. I agree Fang shoulda known I was up to no good, but I think he and Biggles were distracted in their endless search for comfy cushions with the right amount of stuffing.
YDKM - you know when ever I'm in Hawaii or the Keys or other spots with photographers wanting to take your picture with parrots, they always seem to manage to find a Norweigian Blue who will rest upside down on your arm while pining for the fjords.
Besides, my "foes" already blessed my unholy shopping spree that started after my FR when I promised I would stop stocking out AMEX gift cards to use over at at Tiny Tim's Metalworks. I kept my end of the bargain, which was kinda easy since Tiny Tim shut down the metalworks. I agree Fang shoulda known I was up to no good, but I think he and Biggles were distracted in their endless search for comfy cushions with the right amount of stuffing.YDKM - you know when ever I'm in Hawaii or the Keys or other spots with photographers wanting to take your picture with parrots, they always seem to manage to find a Norweigian Blue who will rest upside down on your arm while pining for the fjords.
You sadly under estimate your foe. They surely know how much a turnip costs. When they look at your bill they either think you are up to no good or are eating better than them. They dont care for either situation. The next knock on your door probably is not going to be Jimmy Johns!
Last edited by AlohaDaveKennedy; May 24, 2012 at 6:38 am
May 24, 2012 | 6:37 am
#384
FlyerTalk Evangelist
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM/2MM, Hilton, Wyndham and IHG DM, Marriott gold, Hyatt Globalist, Southwest A List
Posts: 15,565
I have never had a problem using an Am Ex with AP but I keep the amounts realy low (like $575 a month). I used Am Ex for some substantial amounts when the mint was around and avoid an FR, so not sure if I was just lucky or if the people that had FR's where were REALLY going overboard at the mint.
May 24, 2012 | 8:07 am
#385
Join Date: Jan 2011
Location: Georgia
Programs: AA, UA, DL, BA, HH, IHG
Posts: 155
My son just received a secured Capital One credit card, but needs to keep it funded w/dollars. His money is in a Canadian account in Canadian dollars.
May 24, 2012 | 8:57 am
#386
Join Date: Sep 2011
Posts: 49
AP fees?
are there fees? i did an ap on a chase sapphire of 10 bucks and i think i had an 11 dollar fee.
i would like to use the chase ink bold to pay regular things like 'landscaper' for 120 and health insurance for 200 versus using bank bill pay to make checks. should i do a test run with chase ink or in the vast experience on this board, what fees, if any, do you see with chase cards...
i would like to use the chase ink bold to pay regular things like 'landscaper' for 120 and health insurance for 200 versus using bank bill pay to make checks. should i do a test run with chase ink or in the vast experience on this board, what fees, if any, do you see with chase cards...
May 24, 2012 | 9:46 am
#387
FlyerTalk Evangelist
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM/2MM, Hilton, Wyndham and IHG DM, Marriott gold, Hyatt Globalist, Southwest A List
Posts: 15,565
are there fees? i did an ap on a chase sapphire of 10 bucks and i think i had an 11 dollar fee.
i would like to use the chase ink bold to pay regular things like 'landscaper' for 120 and health insurance for 200 versus using bank bill pay to make checks. should i do a test run with chase ink or in the vast experience on this board, what fees, if any, do you see with chase cards...
i would like to use the chase ink bold to pay regular things like 'landscaper' for 120 and health insurance for 200 versus using bank bill pay to make checks. should i do a test run with chase ink or in the vast experience on this board, what fees, if any, do you see with chase cards...
AFAIK, the recepient has to have a AP account as well. You can't just tell AP to cut a check to your landscaper or insurance company like you can on your banks bill payer site
May 24, 2012 | 9:48 am
#388
FlyerTalk Evangelist
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM/2MM, Hilton, Wyndham and IHG DM, Marriott gold, Hyatt Globalist, Southwest A List
Posts: 15,565
fake SSN?
I have someone that wants to start paying me via AP, but they don't want to give AP their SSN. I told him if anyone gets 1099'd it would be me as the recepient, not him as the payor but he still doesn't want to give it out.
Does AP verify the SSN? I am thinking of telling him just to put in 9 random numbers instead.
Does AP verify the SSN? I am thinking of telling him just to put in 9 random numbers instead.