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 7, 2014 | 11:49 am
#4952
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
So, I assume most people are trying to max out their AP usage before the shutdown. I just got the Ink card ($5K minimum spend), and would love to get a final push from AP. My wife and I both legitimately have accounts. Do I realistically risk any adverse action on either of our accounts to do:
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
Oct 7, 2014 | 12:22 pm
#4953
Join Date: Dec 2013
Posts: 3,615
So, I assume most people are trying to max out their AP usage before the shutdown. I just got the Ink card ($5K minimum spend), and would love to get a final push from AP. My wife and I both legitimately have accounts. Do I realistically risk any adverse action on either of our accounts to do:
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
Oct 7, 2014 | 12:29 pm
#4954
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
I should be receiving the card tomorrow. I kind of doubt Amazon will do anything either, considering it's being shut down and the most I can do like this would be the $2K this month. I spend thousands of dollars a year on Amazon, so it seems like a poor business choice on their end to blacklist me for that. My only fear is shutting down the AP account with funds in transit.
Oct 7, 2014 | 12:36 pm
#4955
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,386
So, I assume most people are trying to max out their AP usage before the shutdown. I just got the Ink card ($5K minimum spend), and would love to get a final push from AP. My wife and I both legitimately have accounts. Do I realistically risk any adverse action on either of our accounts to do:
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
$1K A > B
$1K B > A
Both with the same card (in my name)? I could do B > C (wife to my dad's account--all legitimate accounts) instead, and then just withdraw it to him and transfer it to me (we have a couple joint bank accounts). I haven't added her as an AU/employee, since she's mid name-change with the SSN office after our wedding. I doubt AP would do anything about it, since it's the last month anyway. I can meet it other ways, but this is obviously easiest.
Last edited by cdancer20; Oct 7, 2014 at 12:45 pm
Oct 7, 2014 | 1:45 pm
#4957
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Oct 7, 2014 | 1:57 pm
#4959
Join Date: Oct 2014
Location: Orange County
Posts: 57
edit: is it true that chase doesnt count AP towards points? I have chase ink business plus.
just reached my AP limit. First and last time for me. (Started late in this game). Wish i knew about this earlier!
just reached my AP limit. First and last time for me. (Started late in this game). Wish i knew about this earlier!
Last edited by czech99; Oct 7, 2014 at 2:15 pm
Oct 7, 2014 | 2:35 pm
#4960
Join Date: Dec 2013
Posts: 3,615
thanks eric
Oct 7, 2014 | 3:23 pm
#4962
Join Date: Apr 2013
Location: BOS
Programs: AA ExP || SPG Plt || Honors Diamond || UA Silver
Posts: 171
Tried to do a payment this morning and transaction was declined. My CC only has 999 available credit line and I was trying to send $1000. It appears "Failed" on AP. When I tried another card I was told that I've used up the entire quota for this month...
Is there any way to get around that? Call AP?
Is there any way to get around that? Call AP?
Oct 7, 2014 | 3:45 pm
#4963
Join Date: Sep 2013
Posts: 829
Tried to do a payment this morning and transaction was declined. My CC only has 999 available credit line and I was trying to send $1000. It appears "Failed" on AP. When I tried another card I was told that I've used up the entire quota for this month...
Is there any way to get around that? Call AP?
Is there any way to get around that? Call AP?
Oct 7, 2014 | 3:46 pm
#4964
Join Date: Jun 2014
Posts: 14
Did this late last week in the same day, since why not. Used different cards for mine and my SO's AP accounts, but both cards were in my name:
1K A > B > A > Bank account
1K B > A > Bank account
So, anyone worried about getting some last minute transfers in, go for it.
1K A > B > A > Bank account
1K B > A > Bank account
So, anyone worried about getting some last minute transfers in, go for it.