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
Jun 11, 2014, 12:33 pm
#4261
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Just FYI, did our monthly triangle today and noticed that if you have a balance it will automatically take from there instead of asking you where you would like it from. This is a change from the last time we did it.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
Jun 11, 2014, 12:35 pm
#4262
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
Just FYI, did our monthly triangle today and noticed that if you have a balance it will automatically take from there instead of asking you where you would like it from. This is a change from the last time we did it.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
Jun 11, 2014, 2:11 pm
#4263
Join Date: Jun 2013
Posts: 1,060
There was a point in time last year where it was NOT PP like. In June of last year and before, you could pull from a CC even if u had cash in the account, I was shocked at that time at how un-PP it was. That changed quickly IME
Jun 11, 2014, 2:23 pm
#4264
Join Date: Apr 2014
Posts: 32
This is correct. You used to have to cover the full amount with the balance on your account.
Jun 11, 2014, 9:30 pm
#4265
Join Date: Dec 2013
Posts: 175
Jun 12, 2014, 12:54 am
#4267
Join Date: Sep 2013
Posts: 829
Just FYI, did our monthly triangle today and noticed that if you have a balance it will automatically take from there instead of asking you where you would like it from. This is a change from the last time we did it.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
So to save people from my headache.
If you have a balance from someone else, withdraw it before sending it to the next person, otherwise it'll automatically pull from there and not give you the option of your credit card.
So I was right and DaveInLA was left
Jun 12, 2014, 9:45 am
#4268
Join Date: Feb 2012
Posts: 396
So you had a balance in your AP and tried to withdraw it to your Serve account, which was verified (through test deposits?), and that's when they locked you out and said that Serve needs to fax them something? I'm planning on doing this in a couple days, hopefully it won't get hung up like this. It seems like a lot of people have done this successfully so I'm not sure what the hold up would be.
Jun 12, 2014, 10:00 am
#4269
Join Date: Mar 2013
Posts: 195
I'm having some issues and hopefully someone can help me out with it.
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
Jun 12, 2014, 10:22 am
#4270
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
I'm having some issues and hopefully someone can help me out with it.
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
Jun 12, 2014, 10:30 am
#4271
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
I'm having some issues and hopefully someone can help me out with it.
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
I set up 2 AP accounts, one in my name and one in my brothers.
I sent a payment from my account to my brother's using the Ink card. Payment went through fine, and is now pending on my brother's account. When I go into his account it says I have to claim the payment, but before claiming it, I must add a credit card. I've added both his BB and his TD Go card but it's still asking me to add a credit card.
Any ideas?
Jun 12, 2014, 10:57 am
#4272
Join Date: Mar 2013
Posts: 195
I had the same issue with my boyfriend's acct. I only had an Amex GC setup to his acct and Serve as the bank acct. I added the Serve number as a credit card and that worked. So try adding the BB card number as a credit as well. If not, as the last poster said, you may have to ask your brother for a real CC number.
Jun 12, 2014, 4:35 pm
#4274
Join Date: Dec 2013
Posts: 260