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
Sep 11, 2012 | 12:31 pm
#706
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,686
There's risk with Discover in that if it doesn't qualify as 5%, then due to their tiered reward structure it will only qualify for 0.25% (unless you've hit the $3500 or so spending for the next tier, that is still less than 1%).
On the other hand, if you try it on days running those 2% promotions (which can be stacked), the reward can be significant. For example last month (Aug 17th to be precise) it was earning 9% on the first $250 spent at gas stations, 7% for the next $1250. I'd try on a day when one of those additional promotions can be stacked (assuming there is a promotion some time like that next quarter).
On the other hand, if you try it on days running those 2% promotions (which can be stacked), the reward can be significant. For example last month (Aug 17th to be precise) it was earning 9% on the first $250 spent at gas stations, 7% for the next $1250. I'd try on a day when one of those additional promotions can be stacked (assuming there is a promotion some time like that next quarter).
Also, birthday months 2% on first $500. Things that make you go hrmmm.... Damn FT causing me not to work today... again
Sep 11, 2012 | 12:59 pm
#707
FlyerTalk Evangelist
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM/2MM, Hilton, Wyndham and IHG DM, Marriott gold, Hyatt Globalist, Southwest A List
Posts: 15,565
There's risk with Discover in that if it doesn't qualify as 5%, then due to their tiered reward structure it will only qualify for 0.25% (unless you've hit the $3500 or so spending for the next tier, that is still less than 1%).
On the other hand, if you try it on days running those 2% promotions (which can be stacked), the reward can be significant. For example last month (Aug 17th to be precise) it was earning 9% on the first $250 spent at gas stations, 7% for the next $1250. I'd try on a day when one of those additional promotions can be stacked (assuming there is a promotion some time like that next quarter).
On the other hand, if you try it on days running those 2% promotions (which can be stacked), the reward can be significant. For example last month (Aug 17th to be precise) it was earning 9% on the first $250 spent at gas stations, 7% for the next $1250. I'd try on a day when one of those additional promotions can be stacked (assuming there is a promotion some time like that next quarter).
I hate the return on discover so I only use it for 5% bonus purchases and promos like this one.
Sep 11, 2012 | 1:53 pm
#708
Join Date: Sep 2011
Posts: 268
Question
Sorry. I am new to Amazon payments.
I recently applied for Amex SPG and need to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
I recently applied for Amex SPG and need to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
Sep 11, 2012 | 1:54 pm
#709
Original Poster
Suspended
Join Date: May 2010
Posts: 2,998
Sorry. I am new to Amazon payments.
I recently applied for Amex SPG and need to want to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
I recently applied for Amex SPG and need to want to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
Sep 11, 2012 | 4:39 pm
#710
Join Date: Sep 2011
Posts: 268
Amazon payments
Thank you for the reply. I have some more questions.
1) Is it free to send and receive money for sure? or any fees associated with sending or receiving money via amazon payments?
2) if i use a credit card to send money to another person, will it be a cash advance or purchase transaction? Can i use any credit card (Citi AAdvantage or AMEX SPG) to transfer the money?
3) Is there a fee to receive money?
Can someone answer these questions?
Thanks.
1) Is it free to send and receive money for sure? or any fees associated with sending or receiving money via amazon payments?
2) if i use a credit card to send money to another person, will it be a cash advance or purchase transaction? Can i use any credit card (Citi AAdvantage or AMEX SPG) to transfer the money?
3) Is there a fee to receive money?
Can someone answer these questions?
Thanks.
Sep 11, 2012 | 4:46 pm
#711
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,906
Okay, I'm going to turn into one of those people ...
Did you bother to even read the thread? Or search "fees" at the top? All of your questions have already been answered.
Sometimes I wonder why bother posting data points and experience on the boards if people aren't going to bother to read it
Did you bother to even read the thread? Or search "fees" at the top? All of your questions have already been answered.
Sometimes I wonder why bother posting data points and experience on the boards if people aren't going to bother to read it
Sep 11, 2012 | 6:45 pm
#714
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
I don't hike in my AMEX boots when in the jungle, but I do use my AMEX to bootstrap receiving, not sending accounts. Receiving accounts never use the card once it is attached - it just hangs onto the account like so much dead moss.
Sep 11, 2012 | 6:48 pm
#715
Join Date: Nov 2009
Posts: 774
Sorry. I am new to Amazon payments.
I recently applied for Amex SPG and need to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
I recently applied for Amex SPG and need to spend $5k within 6 months. Would it be possible for me to use SPG to transfer money to my brothers Amazon payment account? I know there is a restriction of $1000 every month.
If this is not possible, could anyone tell me any other ways of spending money thru the credit card?
Thanks.
Sep 11, 2012 | 6:49 pm
#716
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Never tempted to reenter The Heart of Darkness? Or are you just afraid of The Horror! The Horror! Come on - its not like Fang is gonna do a root canal again with those pliers.
Sep 11, 2012 | 6:54 pm
#717
Original Poster
Suspended
Join Date: May 2010
Posts: 2,998
Sep 14, 2012 | 10:47 am
#718
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
I have no idea what these ramblings are all about, probably a mess load of inside jokes or whatever... but they have probably added 6+ pages of garbage to this thread.
I just finished all 18 pages and once this childish back & forth started, it became very difficult to actually find information.
I don't know if it is on purpose or what, but then newbies start asking questions and get flammed for it.
Imagine if I had started on page 14 or 15 instead of 1? I would think that most of this thread was full of inside jokes I wasn't a part of.
Just saying
I just finished all 18 pages and once this childish back & forth started, it became very difficult to actually find information.
I don't know if it is on purpose or what, but then newbies start asking questions and get flammed for it.
Imagine if I had started on page 14 or 15 instead of 1? I would think that most of this thread was full of inside jokes I wasn't a part of.
Just saying
Sep 14, 2012 | 10:57 am
#719
Join Date: Apr 2009
Location: 787
Programs: Too many to list
Posts: 1,311
I have no idea what these ramblings are all about, probably a mess load of inside jokes or whatever... but they have probably added 6+ pages of garbage to this thread.
I just finished all 18 pages and once this childish back & forth started, it became very difficult to actually find information.
I don't know if it is on purpose or what, but then newbies start asking questions and get flammed for it.
Imagine if I had started on page 14 or 15 instead of 1? I would think that most of this thread was full of inside jokes I wasn't a part of.
Just saying
I just finished all 18 pages and once this childish back & forth started, it became very difficult to actually find information.
I don't know if it is on purpose or what, but then newbies start asking questions and get flammed for it.
Imagine if I had started on page 14 or 15 instead of 1? I would think that most of this thread was full of inside jokes I wasn't a part of.
Just saying
Sep 14, 2012 | 11:03 am
#720
Original Poster
Suspended
Join Date: May 2010
Posts: 2,998
Saying what? There's no code in my message so I can't figure out why you chose to quote it.
But I'll see if I can make it more clear for you and anyone else:
I said: I've not been in over a year and was asked to not come back
ADK asked: Have you considered going back?
To which I replied: No, I haven't had a need to just yet.
I sincerely hope that helps you in your quest for informaition related to Amazon Payments
But I'll see if I can make it more clear for you and anyone else:
I said: I've not been in over a year and was asked to not come back
ADK asked: Have you considered going back?
To which I replied: No, I haven't had a need to just yet.
I sincerely hope that helps you in your quest for informaition related to Amazon Payments