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
#4186
Join Date: Jul 2013
Posts: 95
Just because they don't want to shuffle around your money anymore doesn't mean they still don't want to lose you as a normal customer. How else will the they fund those mini delivery helicopters?
#4187
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
Is there a way to know why a transaction failed without calling? I did a transfer of 2K of my account balance last month to another account without a problem (so I can deposit all funds in one checking account). Tried to do a similar thing yesterday and it failed.
Is this a sign of a shutdown?
Is this a sign of a shutdown?
#4188
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Is there a way to know why a transaction failed without calling? I did a transfer of 2K of my account balance last month to another account without a problem (so I can deposit all funds in one checking account). Tried to do a similar thing yesterday and it failed.
Is this a sign of a shutdown?
Is this a sign of a shutdown?
#4190
Join Date: Aug 2013
Posts: 1,207
#4192
Join Date: Sep 2013
Posts: 829
Is there a way to know why a transaction failed without calling? I did a transfer of 2K of my account balance last month to another account without a problem (so I can deposit all funds in one checking account). Tried to do a similar thing yesterday and it failed.
Is this a sign of a shutdown?
Is this a sign of a shutdown?
Why $2K?
You get $1K, you transfer it, u r done.
Why accumulate the funds under the constant threat of the shutdown by the Bezos headhunters?
#4193
Join Date: May 2014
Posts: 193
#4194
Join Date: May 2014
Posts: 13
I'm not sure what you're doing differently. I forgot the dollar hold yesterday on an AGC, and as soon as I got the email it was failed I was able to send it back through.
#4197
Join Date: Apr 2013
Location: Newport Beach, CA
Posts: 286
I'm looking at buying some Amex Prepaid cards from amex.com so that I can hit my 5k SPG spend req a little faster and then unload via AP over the next few months.
I've done visa/mc prepaid cards over AP many times before but never tried amex, will they work? Don't want to waste the money buying a small value card to try it out...want to buy 3k all at once
I've done visa/mc prepaid cards over AP many times before but never tried amex, will they work? Don't want to waste the money buying a small value card to try it out...want to buy 3k all at once
#4198
Join Date: Sep 2013
Posts: 222
I'm looking at buying some Amex Prepaid cards from amex.com so that I can hit my 5k SPG spend req a little faster and then unload via AP over the next few months.
I've done visa/mc prepaid cards over AP many times before but never tried amex, will they work? Don't want to waste the money buying a small value card to try it out...want to buy 3k all at once
I've done visa/mc prepaid cards over AP many times before but never tried amex, will they work? Don't want to waste the money buying a small value card to try it out...want to buy 3k all at once
#4199
Join Date: Sep 2013
Posts: 71
Is there any way to get back in Amazon's good graces after you've been kicked? I didn't have "multiple accounts" for me per say but each one in my family. Is this prohibited? I would think not? lol Just curious as I didn't see it in the wiki and can't humanly read 280 pages in a day.
#4200
Join Date: Dec 2013
Posts: 3,509
Is there any way to get back in Amazon's good graces after you've been kicked? I didn't have "multiple accounts" for me per say but each one in my family. Is this prohibited? I would think not? lol Just curious as I didn't see it in the wiki and can't humanly read 280 pages in a day.