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Old Oct 25, 2013, 11:21 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: JAXBA
Read the wiki before posting a question.
It's a literacy test that's easy to pass.

This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.

For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.

Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.


You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.

https://www.serve.com/#/add-cash

If your card doesn't say "debit" on the front, it isn't a debit card.


Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.

Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.

Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD


Normal Serve
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $200/day and $1,000/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $200/day and $1,000/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

Serve/Softcard Check if your phone/network is compatible
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $500/day and $1,500/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $500/day and $1,500/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.

Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.


Online Credit Card Loads
Only one card can be linked at a time.

As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.

The Chase Ink Bold is a charge card and has no cash advance ability.

Treated as purchase, earns cashback/points/miles:
  • Bank of America (FIA) (MasterCard, American Express)
  • Barclaycard (Mastercard, Visa)
  • Capital One (Mastercard, Visa)
  • Chase (MasterCard, Visa)
  • Citi (MasterCard, American Express)
  • Discover

Treated as purchase, but doesn't earn points/miles:
  • American Express (May count toward minimum spend)

Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.

Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.

When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.


Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal*, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.


Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.

Also see this thread: Switching from Serve to BlueBird - 31 day wait???

Switching to Serve/Softcard
  1. Call up Bluebird or Serve and close account. Make sure your account is at $0.00 before calling. Just close it, don't ask for a temp Serve or anything. CSR will say account is now closed and you have 30 days to change your mind should you decide to re-open it.
  2. Download the Softcard mobile app from Apple App Store or Google Play Store. If you're an iPhone user you have to buy the NFC CashWrap case from your carrier store.
  3. Launch Softcard Mobile App and create Softcard account. You'll be asked if you want to open a Serve account; Yes you do. Start the registration through Softcard mobile app for a Serve account, once you are finished you will be told you will receive an Email from Amex with your account approval. I waited a few hours and called Serve customer service like the wiki says and completed the registration.
  4. Once I got off the phone with Serve I received an email from Serve where I verified my account and email; at this point Amex Serve is open.
  5. Launch Softcard Mobile app again click add new
  6. Activate card with Softcard and select Amex Serve. Follow the instructions & you're good to add. Once this is complete a Serve Card will populate in Softcard. Must activate physical card to get full load limits. Check account status and it automatically credits to your serve account based on who you signed up with. (Verizon - $25, T-Mobile - $50, AT&T - $30 (For AT&T: Get $15 w/activation. Earn additional $15 w/account replenishment))

Switching from BB to Serve
  1. Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
  2. Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
  3. at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
  4. get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
  5. after the register and login, second error: "We're still processing your application. Please check your email for an update"
  6. I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
  7. CSR, told me that my account went to "account security protection department" transfer me to them.
  8. at account security protection department, they told me need to call back on my phone number which I registered to verify.
  9. after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
  10. CSR also told me the I can load and spend on the temporary card, but not bill pay.

The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318



Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.

Training a WM cashier:
  • If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
  • If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
  • The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
  • Avoid saying gift card. Always refer to your card as a debit card.

Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.

DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.

TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.

HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.


Using Serve
For online bill pay
  • You can pay the credit card that you used to buy VRs/GCs
  • Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
  • Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement



For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===

People with an apartment address can find helpful information quoted in post #8530
Print Wikipost

Serve - Another Paypal/Amazon Payments.

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Old Aug 2, 2012, 4:35 pm
  #271  
 
Join Date: Jul 2012
Location: MSP
Posts: 18
Originally Posted by recklessmax
Previously i could add prepaid gift cards (both visa/amex) to laod my serve account. I tried this again last week and it bombed out. Wont let me add a prepaid visa or prepaid mastercard to my account although they are registered to my name and addy?

Anybody having different experience , didnt try amex prepaid ?
Yes, I am also having this problem.
2useless is offline  
Old Aug 2, 2012, 4:37 pm
  #272  
 
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Hey... thanks Serve!...kinda...

Ok,

If you've been following the thread about buying Gift Cards at Vons/Pavillions/Safeway and getting the $10 coupon, as you would guess, at this moment I have $100 Visa Gift Cards in abundance.

I linked to Serve a few last month, and, of course they had to link as 'Credit Card'. I emptied a few of them out, hit my $250 CC limit on Serve, and, well end of story -- or so I thought.

Well, I log in today, and had a couple of GC's that I linked last month that I still had not used yet. Just linked in 'anticipation' for August I guess.

So, I go to use one that still had $50 on it. One that last month processed as a 'credit card'. Once I empty the $50 out, I notice that in the transaction record it says 'Debit Card Load' for todays transaction. Yes, last months transaction for the same card still say 'Credit Card Load'. At any rate, I go look at my funding sources and notice that all 3 of my Gift Cards that I had previously linked in the 'Credit Card section' are now linked in the 'Debit Card Section'. All that remains in my 'Credit Card Section' is my Citi AAdvantage card -- which is what I would expect.

So, I decided to run $100 transaction with another one of my Visa GC's, and lo-and-behold it goes through. I use yet another $100 Visa GC that I linked last month, and it goes through too!

I'm thinking 'GREAT! These Visa GCs I bought from Vons are being processed as Debit cards so I can liquidate them faster'. But alas... not so fast.

I try to link another Visa GC that I hadn't linked yet, as a Debit card... where Serve themselves re-categorized the others of this type as... but Serve returned the error message that 'This is not a Debit Card, Credit Card Pricing Applies' (or something like that).

So, whatever Serve did sometime between mid last month and now, did something that caused existing GC's that were linked as 'Credit Cards' to be re-linked as 'Debit Cards', however, I obviously can't link them as 'Debit Cards' myself.

I wonder if there is some nightly batch (I hope) that sweeps the GC's from 'Credit Card' to 'Debit Card' link. If it only happens once a month, then, this is not quite as useful for emptying out the GC's en-mass, but, still better than nothing.

So... if you also happen to have a Gift Card that you bought from a grocery store or something linked, in Serve... take a look and see if they 're-linked' it as a debit card. Also, give an indication of when (around) you first linked it... so we can get an idea of when and/or how often Serve 're-link's (if they do on a re-occurring basis at all).
thehawk75 is offline  
Old Aug 3, 2012, 1:20 pm
  #273  
 
Join Date: Jul 2011
Posts: 29
thanks thehawk75
I tried several times by loading by master gift card from tom thom, failed, all said "bill address not match card address", then choose debit card this is transferred to credit card part. So it seems we cannot load by gift card now?
This block is forever? Or somebody experience this before? so it may just a temp or some time period of every month block?
jldong is offline  
Old Aug 3, 2012, 3:13 pm
  #274  
 
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Originally Posted by jldong
thanks thehawk75
I tried several times by loading by master gift card from tom thom, failed, all said "bill address not match card address", then choose debit card this is transferred to credit card part. So it seems we cannot load by gift card now?
This block is forever? Or somebody experience this before? so it may just a temp or some time period of every month block?
I've never had a block on any of the GC's I've bought from Von's (I believe Tom Thumb has same parent company). I've never had issues. Doesn't matter if they're Visa's as per July promotion, or Mastercard as per this months promotion.

You are first 'registering' your gift card itself right? I know this is as obvious a question as computer tech support asking if your computer is plugged in, but, I've got to ask this. If you've properly registered your gift card with 'any', Serve will NOT have any problems linking it as long as you use the same.

Oh, and FWIW. Gift cards I linked around midnight last night, as credit cards which I must, were moved automatically to 'debit card section' by the next morning around 8AM, and yup, I was able to use them as though they had 'Debit Card' limit ($200 per day, $100 per month) instead of the 'Credit Card Limit' ($100 per day, $250 per month).

This is a really cool development, for me anyway... ^
thehawk75 is offline  
Old Aug 3, 2012, 8:46 pm
  #275  
 
Join Date: Jul 2012
Location: Pac NW
Posts: 154
Originally Posted by thehawk75
I've never had a block on any of the GC's I've bought from Von's (I believe Tom Thumb has same parent company). I've never had issues. Doesn't matter if they're Visa's as per July promotion, or Mastercard as per this months promotion.

You are first 'registering' your gift card itself right? I know this is as obvious a question as computer tech support asking if your computer is plugged in, but, I've got to ask this. If you've properly registered your gift card with 'any', Serve will NOT have any problems linking it as long as you use the same.

Oh, and FWIW. Gift cards I linked around midnight last night, as credit cards which I must, were moved automatically to 'debit card section' by the next morning around 8AM, and yup, I was able to use them as though they had 'Debit Card' limit ($200 per day, $100 per month) instead of the 'Credit Card Limit' ($100 per day, $250 per month).

This is a really cool development, for me anyway... ^
that sounds great, what kind of gift cards did you buy? who was the issuer (or, which site did you have to go to register). and what is the thing with registering with 'any' - is that some trick or is any = yourname?
T3pleShot is offline  
Old Aug 4, 2012, 1:02 am
  #276  
 
Join Date: Feb 2011
Programs: All of them
Posts: 214
Has anyone made a withdrawal from a foreign ATM in the local currency? If so, were there forex fees charged on Amex's end?
goAsia is offline  
Old Aug 4, 2012, 4:56 am
  #277  
 
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Anyone have success with US Bank? I can link my credit card, but if I try to add money it throws up the error "We are unable to process your credit card at this time. Please try again later."
sgideons is offline  
Old Aug 4, 2012, 9:39 am
  #278  
 
Join Date: Jul 2011
Posts: 29
Serve - Another Paypal/Amazon Payments.

yes before I use, i register at master card website to put my name and address, so I can use online. I had no problem using on other online shopping, however when add to serve it said address not match
When did you add those giftcards? Should be in July? Because now we cannot add giftcard.
It is really nice when serve convert to debit card because we can load more. I hope I have a lot of cards added to serve already now
jldong is offline  
Old Aug 4, 2012, 11:52 am
  #279  
 
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Originally Posted by T3pleShot
that sounds great, what kind of gift cards did you buy? who was the issuer (or, which site did you have to go to register). and what is the thing with registering with 'any' - is that some trick or is any = yourname?
Lol... forgot to add another word. Should read, 'any address', not 'any'.

Just go to the website listed on the GC itself to register. The Visa's I bought use 'gowallet.com'. The Mastercards I bought use 'mygiftcardsite.com'

Originally Posted by jldong
yes before I use, i register at master card website to put my name and address, so I can use online. I had no problem using on other online shopping, however when add to serve it said address not match
When did you add those giftcards? Should be in July? Because now we cannot add giftcard.
It is really nice when serve convert to debit card because we can load more. I hope I have a lot of cards added to serve already now
I have registered cards (both Mastercard and Visa) as recently as yesterday. If your MC's and VISA's register at the same sites I mentioned above, then, you are doing something different than I in the whole-register-and-then-link-at-serve process.
thehawk75 is offline  
Old Aug 5, 2012, 1:31 pm
  #280  
 
Join Date: Jul 2011
Posts: 29
Serve - Another Paypal/Amazon Payments.

Yes I registered at mygiftcardsite as you mentioned. So what does you mean for last sentence? There is any trick adding gift card to serve?
jldong is offline  
Old Aug 5, 2012, 2:21 pm
  #281  
 
Join Date: Nov 2008
Programs: Marriott/SPG Gold
Posts: 73
I also am not having any success with mygiftcardsite (us bank) visa/mc prepaid variable load gift cards.

My addresses match exactly (GC registered address and serve address), but it still errors out of the CC load side with the billing address not matching error.

Best of luck to those that still have that option available!
pykerl is offline  
Old Aug 6, 2012, 6:24 am
  #282  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 695
Btw, not sure if it has been mentioned before about the fees, but looking through the full User Agreement ( https://www.serve.com/legal/#Serve_User_Agreement ) I saw this item under Fees:

10. Fees.

a. Schedule of Services and Fees.

Unless you are a resident of either New York, Arkansas or Vermont, or we otherwise waive one or more fees in accordance with the terms of a program, special promotion or offer we may sponsor from time to time, we will impose the fees for the respective transactions set forth in the schedule below conducted through your Account as well as any Sub-Account(s) unless stated otherwise.
.
.
.
NOTE: New York, Arkansas, and Vermont residents shall not be charged any of the fees listed above

I can only take this to mean that no matter what after March 15, 2013 the fair residents of the states listed above will still have no fees to pay.
ukinny2000 is offline  
Old Aug 6, 2012, 2:23 pm
  #283  
 
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Originally Posted by jldong
Yes I registered at mygiftcardsite as you mentioned. So what does you mean for last sentence? There is any trick adding gift card to serve?
Originally Posted by pykerl
I also am not having any success with mygiftcardsite (us bank) visa/mc prepaid variable load gift cards.

My addresses match exactly (GC registered address and serve address), but it still errors out of the CC load side with the billing address not matching error.

Best of luck to those that still have that option available!
Well, honestly not sure what you guys are doing different than me. Just linked cards last night, again, no problems at all.

Well, I've just been buying the $100 cards (not the variable load ones). But, I don't think that's the issue. A colleague of mine buys the variable load ones, and he empties them out at Serve as well.

There no more advice I can offer. There's no 'trick' for me. Just register the card, and then link it at serve, 2 minute process, max, end-to-end.
thehawk75 is offline  
Old Aug 6, 2012, 3:10 pm
  #284  
 
Join Date: Aug 2011
Location: Cary, NC
Posts: 108
Originally Posted by thehawk75
Well, honestly not sure what you guys are doing different than me. Just linked cards last night, again, no problems at all.

Well, I've just been buying the $100 cards (not the variable load ones). But, I don't think that's the issue. A colleague of mine buys the variable load ones, and he empties them out at Serve as well.

There no more advice I can offer. There's no 'trick' for me. Just register the card, and then link it at serve, 2 minute process, max, end-to-end.
Good for you!
I tried to link my MC gift cards to Serve but no luck. It had no issue at all linking to Amazon Payments.
liaozhongchao is offline  
Old Aug 6, 2012, 8:34 pm
  #285  
 
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Originally Posted by liaozhongchao
Good for you!
I tried to link my MC gift cards to Serve but no luck. It had no issue at all linking to Amazon Payments.
Lol... and just after I 'tell the world' that the MC gift cards work fine with Serve, I go to Vons and pick up another batch (3 of them), and each fails to link after registering...

I called the mygiftcardsite people, they see no evidence that Serve even tried to verify the address... but who knows what they were looking at. The lady suggested I contact Serve and ask them... but for obvious reasons I don't want to bring human attention to my account.

Crummy...
thehawk75 is offline  


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