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
Aug 1, 2014 | 9:54 am
#4561
Join Date: Aug 2013
Posts: 135
Aug 1, 2014 | 11:33 am
#4562
Join Date: Sep 2004
Location: Tampa, FL
Posts: 242
Quick question please. I searched Google and FT with no luck. How long does it usually take for the small deposits to post so you can verify your checking account with AP?
I am now on 6 days from when I put my Bluebird routing and account number into AP to verify.
Thanks
I am now on 6 days from when I put my Bluebird routing and account number into AP to verify.
Thanks
Aug 2, 2014 | 10:04 am
#4564
Join Date: Feb 2013
Posts: 1,842
Put my new united card on my account. Sent the money to my husband. Went through and already deposited into his checking account.
Guess we were not screwed.
Hoping all goes well next month.
Aug 2, 2014 | 1:42 pm
#4565
Join Date: Jan 2012
Posts: 45
Aug 2, 2014 | 1:56 pm
#4566
Join Date: Jul 2014
Location: LAX
Programs: Delta, AA, USairways, BA, United, Hilton Honors Diamond, SPG Plat , Marriott, Sixt Platinum
Posts: 122
Am I able to use my Citi Executive on Amazon Payments to accrue spend for bonus? I had hit the minimum spend using $1k on AP and received this msg from Citi:
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Aug 2, 2014 | 2:06 pm
#4567
Join Date: Jul 2014
Posts: 197
Am I able to use my Citi Executive on Amazon Payments to accrue spend for bonus? I had hit the minimum spend using $1k on AP and received this msg from Citi:
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Aug 2, 2014 | 2:07 pm
#4568
Join Date: Jul 2014
Location: LAX
Programs: Delta, AA, USairways, BA, United, Hilton Honors Diamond, SPG Plat , Marriott, Sixt Platinum
Posts: 122
I didn't ask them that explicitly. I asked why the 75k bonus miles had not posted to my account yet and that was their response. My mistake was selecting cash advance on AP, oops.
Last edited by queensgambit; Aug 2, 2014 at 2:33 pm
Aug 2, 2014 | 2:08 pm
#4569
Join Date: Mar 2012
Posts: 407
Why would you send sm to citi asking such a question and unnecessarily drawing attention? there are so many responses posted in this forum, only if you had taken a moment reading them. AP is coded as purchases if you select goods and services and will count towards minimum spend.
Aug 2, 2014 | 2:22 pm
#4571
Join Date: May 2012
Location: NYC
Programs: AA, UA, SPG
Posts: 105
Aug 2, 2014 | 2:56 pm
#4573
Join Date: Jul 2014
Posts: 3,688
Am I able to use my Citi Executive on Amazon Payments to accrue spend for bonus? I had hit the minimum spend using $1k on AP and received this msg from Citi:
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Dear xxxx,
Thank you for using our Secure Messaging Center.
Your purchases of 2 Amazon payments of $500.00 do not qualify as purchases towards the promotional offer you are enrolled in at this time.
Let's keep our fingers crossed this will not affect everyone adversely.
Aug 4, 2014 | 9:21 pm
#4574
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,642
I've been to doing A <-> B for awhile, we have last name (dad) but different address/checking/etc. Just realized his address is on my profile because it was tied to my amazon.com account, thus leaking into amazon payments. Didn't seem like an issue before but now I'm more weary of logging in with amazon.com over there or even adding the address back in to ship things..
Aug 4, 2014 | 10:22 pm
#4575
Join Date: Jul 2014
Posts: 3,688
I've been to doing A <-> B for awhile, we have last name (dad) but different address/checking/etc. Just realized his address is on my profile because it was tied to my amazon.com account, thus leaking into amazon payments. Didn't seem like an issue before but now I'm more weary of logging in with amazon.com over there or even adding the address back in to ship things..