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
Oct 5, 2014 | 8:02 pm
#4921
Join Date: Aug 2014
Location: Dubuque, IA
Posts: 50
I tried sending to a family member that I had never sent to before (had an actual need to send money). His email address worked via PayPal. Also I had sent AP to new users in the past, successfully. Today I got an error msg saying the recipient was invalid.
Oh well, I wasn't counting on this anymore anyway, but figured I'd give a data point. Maybe they're shutting down early...at least for sending to those that don't already have an account.
Oh well, I wasn't counting on this anymore anyway, but figured I'd give a data point. Maybe they're shutting down early...at least for sending to those that don't already have an account.
Oct 6, 2014 | 8:57 am
#4925
Join Date: Aug 2006
Posts: 756
Guess they are still tracking up to the last moments
Oct 6, 2014 | 3:16 pm
#4930
Join Date: Oct 2014
Location: Orange County
Posts: 57
can someone confirm this will work. (kinda new to this stuff)
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
Oct 6, 2014 | 4:13 pm
#4931
Join Date: Sep 2009
Posts: 2,894
can someone confirm this will work. (kinda new to this stuff)
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
In any case, you have 7 days to get it done....before AP disappears from the MS world.
Oct 6, 2014 | 4:14 pm
#4932
Join Date: Dec 2013
Posts: 3,615
can someone confirm this will work. (kinda new to this stuff)
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
i have chase business card. i had a card made for my gf as an "employee" both cards have different numbers
i made an AP account. I will create one for her. Link bank accounts and CC#;s to it.
I send her 1k using my cc, and she sends me 1k using her cc. I deposit it to my bank and she does the same.
Using this method I can get 2k spend using AP, right?
Oct 6, 2014 | 4:19 pm
#4933
Join Date: Oct 2014
Location: Orange County
Posts: 57
im just making sure!thanks guys
Oct 6, 2014 | 4:49 pm
#4934
Join Date: Jan 2003
Posts: 76
Discover Card on Amazon Payments
Hello
I used Amazon payments to send money and charged 1000 $.
My Statement just closed and charge is posted on my statement but it didnt earn cash back.
I was expecting 5% cash back like last year for online shopping using discover card.
Does anyone else seen this ?
I used Amazon payments to send money and charged 1000 $.
My Statement just closed and charge is posted on my statement but it didnt earn cash back.
I was expecting 5% cash back like last year for online shopping using discover card.
Does anyone else seen this ?
Oct 6, 2014 | 5:00 pm
#4935
Join Date: Mar 2014
Posts: 226
Hello
I used Amazon payments to send money and charged 1000 $.
My Statement just closed and charge is posted on my statement but it didnt earn cash back.
I was expecting 5% cash back like last year for online shopping using discover card.
Does anyone else seen this ?
I used Amazon payments to send money and charged 1000 $.
My Statement just closed and charge is posted on my statement but it didnt earn cash back.
I was expecting 5% cash back like last year for online shopping using discover card.
Does anyone else seen this ?