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
Jan 3, 2013, 8:06 am
#1261
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
All 6 of our accounts are suspended, mine, my wife's, my 3 sons' and daughter-in-law's. Real people accounts: Different SSNs, bank accounts, and addresses for my married son and wife. All was good and by the book. So I think this is an across the board thing. Why? B/c noone has posted that they are able to do any activity at all on their accounts. System shutdown, probably for beginning of the year maintenance. Until folks come on saying that their accounts aren't suspended, I'm not pushing the panic button.
Jan 3, 2013, 8:07 am
#1262
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Preacher - good point. Has anyone here a single AP account that has never bought anything or sold anything to a now suspended account? Is that account able to be edited?
Last edited by AlohaDaveKennedy; Jan 3, 2013 at 8:12 am
Jan 3, 2013, 8:11 am
#1264
Join Date: Oct 2011
Location: BTV
Programs: AA EXP, Bonvoy Titanium
Posts: 486
Amazon Payments
Logged in and got this as well:
Important Message:
This functionality has been disabled on your account. We have failed in verifying the information submitted by you. Click here to find out more about these restrictions.
I was using AP to send $200 monthly for a loan repayment as well as a $500 to my wife once a few months ago and a recent $200 liquidated gift card. Wasn't using anywhere near the $1000 limit. Too bad.
Important Message:
This functionality has been disabled on your account. We have failed in verifying the information submitted by you. Click here to find out more about these restrictions.
I was using AP to send $200 monthly for a loan repayment as well as a $500 to my wife once a few months ago and a recent $200 liquidated gift card. Wasn't using anywhere near the $1000 limit. Too bad.
Jan 3, 2013, 8:14 am
#1266
Formerly known as cagalindo
Join Date: Sep 2010
Location: MCO TPA
Programs: Citi AA/HH/TYP Amex SPG/HH & Chase SP/PC
Posts: 1,335
I manage 2 accounts and always go A>B. I've only done a handful of grands in 2012. I never entered SSN into either of the accounts. A is me B is another person at another address with another bank account connected. I access/manage B account from my computer. My last run was in Dec.
Both are still valid but now (as we know) I must enter SSN into each one. Probably this won't be a problem in this case since different person/different address. On wait and hold until further notice. They are currently still active but can't send/receive since no SSN.
Both are still valid but now (as we know) I must enter SSN into each one. Probably this won't be a problem in this case since different person/different address. On wait and hold until further notice. They are currently still active but can't send/receive since no SSN.
Jan 3, 2013, 8:14 am
#1267
Join Date: Jul 2011
Location: DFW
Posts: 1,145
Let's be optimistic...due to the great success of this, they have temporarily shut it down so they can add enhancements...now that everybody has given their personal information, they are in compliance with govt regulations, so now they are making the change to allow for increased amounts to be sent...you will now be able to send up to $20K per month with no fees!!
We can hope, right?
We can hope, right?
Jan 3, 2013, 8:17 am
#1268
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Jan 3, 2013, 8:18 am
#1269
Suspended
Join Date: Jun 2011
Posts: 639
And, in a new development, after logging out of the good account and back into the bad account there is no terror message, and when punching "send funds" it goes like cherry pie.
But i am not falling for the bait...yet
But i am not falling for the bait...yet
Jan 3, 2013, 8:19 am
#1270
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Jan 3, 2013, 8:20 am
#1271
Suspended
Join Date: Jun 2011
Posts: 639
to rephrase{
1. My main account(s) locked.
2. 1 of my send to accounts ok.
3. After logging into good account, I logged out and then logged in to bad account and it was now ok, add cards, send money, no more "disabled" message
Jan 3, 2013, 8:22 am
#1272
Join Date: Jul 2011
Location: DFW
Posts: 1,145
Error in Requested Operation
We have successfully verified the information submitted by you already.
Jan 3, 2013, 8:22 am
#1273
Join Date: Oct 2011
Location: BOS
Posts: 588
EDIT:
Ha!
My account doesn't have the suspended message any more! And I didn't even need magic healing from member7777 !
When I click Edit my account, it says all information has been verified. Maybe it was some kind of maintenance? Like they were setting all accounts to "Unverified" by default, and now they went through and un-suspended the accounts with actual info? Just speculation of course.
Jan 3, 2013, 8:25 am
#1275
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Interesting developments. Signs of an internal control failure?
Update: Returning to suspended accounts. Now they are unsuspended. Clearing all accounts of all balances as a precaution. That would be a prudent course of action.
Update: Returning to suspended accounts. Now they are unsuspended. Clearing all accounts of all balances as a precaution. That would be a prudent course of action.
Last edited by AlohaDaveKennedy; Jan 3, 2013 at 8:31 am