Based on the fact the User Agreement you copied this from states "Updated October 28, 2009" and receiving payments initiated with credit cards to Personal accounts certainly worked at some point of time in 2011, I would say
"credit card payments" within this excerpt doesn't actually mean "payments from another Amazon Payments account funded with a credit card".

My pure guess is that Business Account actually allows you to accept "real" credit card payments, i.e. when your customer that doesn't even have an Amazon Payments account and simply provides you with a credit card number and you charge this credit card directly. If this guess is correct, than reference in Personal accounts section simply means that Personal accounts doesn't have this feature.

Good read of the T&C. Thanks for the reply.

New to AP: I recently sent a family member the full $1000 for goods and services. I have no plans for that family member to send me back any funds, one way street, A>B, and B withdrawls their payment. No more than $1000 in a month. Family member has different bank account than I.

Time should tell if AP has a problem with that, I believe I am fully within the T&Cs?

Some people have reported it MAY have triggered financial review for them. The last time I did Amazon Payment on AMEX card was May, and I also mixed in normal charges, not just AP charge alone on the statement.

You should send less than $500 in any particular transaction like that. I found sending over $500 had a delay, probably while they reviewed it, and I did get one account held up for quite a while because they determined two accounts were for the same person. They did free up the account and money for after several weeks.

Oops! Doh! I guess I should have, too late now.
Update: Charge posted 24hrs later as recent charge (no longer pending charge).

Will follow your advice if needed for future payments. Not looking to raise flags.

Amazon payments fees
 

I've been doing some research to try and determine if there is a way to make transfers originating from a credit card over the $500* limit without incurring a fee (the effort really isn't worth 500* points a month to me).

According to the User Agreement (link below) by registering a credit card and a verified bank account to the AP account the monthly limit and per transfer limits can be removed, allowing you to run theoretically unlimited amounts through the account (assuming your being smarter than A-B-A transfers). The huge 'but' to this is that you are charged a fee based on monthly volume that varies from 1.9% to 2.5% plus $.30 per transaction.

Now personally its not worth paying that high of a fee to rack points, but if you are in a pinch and are willing to pay the fees you can use the method below to get around the monthly limit.

1. Setup an AP account in your name with the credit card and a bank account attached.
2. Recruit a trusted friend/family member to allow you to setup an AP account in their name using their SSN and credit card. However attach a different bank account of yours (not the account used on the first AP account)
3. Start transferring! You can even setup recurring transfers and claim its a recurring fee for services.
In this scenario it will be difficult for Amazon to detect that the money is just coming back to you and shut down your accounts because its different names, bank accounts, SSN's and its not going within AP from A-B-A.


AP User Agreement: https://payments.amazon.com/sdui/sdu...User-Agreement

AP Payment Fee Schedule: https://payments.amazon.com/sdui/sdu...-Payments-Fees


* Per the Amazon User Agreement and Fee Schedule as of when I reviewed them on 12/17/2011 the monthly transfer limit is $500 not the $1000 I have seen everyone referencing in this thread.

AP Fee Schedule
 

Here is a link to the AP Fee Schedule: https://payments.amazon.com/sdui/sdu...-Payments-Fees

According to this schedule the fees should all be appearing on the receiving party's account.

Now that Amazon Payments requires a Social Security number, is there any fear of them reporting anything to the IRS?

Yes. I think its going to be 1099's or something in 2012.

Isn't there a limit for that? Like 20k or something? I don't like this development one bit.

I thought it was 20k or 200 transactions?

IIRC, it was 20k and 200 transactions

The IRS requests a 1099 for anyone with 200 transactions and $20k, but it's up to Amazon if they give a 1099 for anyone under that.

You are quoting fees and limits for Amazon Checkout.

Look here and you will find the correct information:

https://payments.amazon.com/sdui/sdu...nal/webpay/faq