Serve - Another Paypal/Amazon Payments.

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Old Jan 26, 15, 10:01 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: JAXBA
Wiki Link
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
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Old Apr 23, 14, 6:47 pm
  #3376  
 
Join Date: May 2012
Posts: 478
Serve loading at WM failed

Hi Guys,

I have tried multiple Kiosks and MC, with different Debit cards ( OV and bank debit cards). All failed with receipts saying " Debit Not Approved, Call Authorizer". Later I checked the debit card transactions, found out that the money was taken off the debit card, then refunded it back. Anybody has the same experience? Thanks
liw5215 is offline  
Old Apr 23, 14, 6:55 pm
  #3377  
 
Join Date: Sep 2012
Posts: 4,384
Originally Posted by liw5215 View Post
Hi Guys,

I have tried multiple Kiosks and MC, with different Debit cards ( OV and bank debit cards). All failed with receipts saying " Debit Not Approved, Call Authorizer". Later I checked the debit card transactions, found out that the money was taken off the debit card, then refunded it back. Anybody has the same experience? Thanks
Are you sure you haven't reached $5K loading already this month?
DaveInLA is offline  
Old Apr 23, 14, 7:00 pm
  #3378  
 
Join Date: May 2012
Posts: 478
Silly me, I am already max out this month. Thanks
Originally Posted by DaveInLA View Post
Are you sure you haven't reached $5K loading already this month?
liw5215 is offline  
Old Apr 23, 14, 7:00 pm
  #3379  
 
Join Date: Sep 2012
Posts: 4,384
Those of you closing your BB or Serve accounts after you BP or transfer your remaining funds out... do you wait for those funds to post first before calling to close account? Or you call immediately without waiting for the final transaction to finalize?
DaveInLA is offline  
Old Apr 23, 14, 9:34 pm
  #3380  
 
Join Date: Mar 2014
Location: OC/LAX
Posts: 376
Originally Posted by DaveInLA View Post
Those of you closing your BB or Serve accounts after you BP or transfer your remaining funds out... do you wait for those funds to post first before calling to close account? Or you call immediately without waiting for the final transaction to finalize?
If I'm closing an account and I had a BP scheduled I wait for the transaction to show up as processing on my CC then go ahead and cancel it. If I don't want to wait for the whole BP process I just send money directly to another Serve/BB account and that transfers the money immediately.
aceofcards is offline  
Old Apr 23, 14, 10:01 pm
  #3381  
 
Join Date: Feb 2014
Location: SFO/ORD
Posts: 192
Originally Posted by DaveInLA View Post
Those of you closing your BB or Serve accounts after you BP or transfer your remaining funds out... do you wait for those funds to post first before calling to close account? Or you call immediately without waiting for the final transaction to finalize?
For me, I waited for the transactions to post before closing. When you close your account, you lose access to your online account. That's why I also highly recommend printing / saving all your statements and list of transactions before closing it.
envoy245 is offline  
Old Apr 23, 14, 10:02 pm
  #3382  
 
Join Date: Dec 2013
Posts: 3,197
Originally Posted by DaveInLA View Post
Those of you closing your BB or Serve accounts after you BP or transfer your remaining funds out... do you wait for those funds to post first before calling to close account? Or you call immediately without waiting for the final transaction to finalize?
Of course you should wait until your funds get posted onto your CC. Its just silly to be that impatient and risk having the funds for some reason not be able to reach the destination since it can't be traced to the source. It only takes 1 business day to post.
ericdabbs is offline  
Old Apr 23, 14, 10:03 pm
  #3383  
 
Join Date: Mar 2014
Location: OC/LAX
Posts: 376
Originally Posted by envoy245 View Post
For me, I waited for the transactions to post before closing. When you close your account, you lose access to your online account. That's why I also highly recommend printing / saving all your statements and list of transactions before closing it.
You can actually still log on to your account and view statements once it closes, unless you open another account with the same email then it'll just show your current account activity.
aceofcards is offline  
Old Apr 23, 14, 11:53 pm
  #3384  
 
Join Date: Apr 2012
Location: Austin TX
Posts: 274
"You have the following errors.
We are unable to complete your request at this time, as additional information is needed. Please call Customer Service at 1-800-954-0559. Our hours of operation are 9am - 8pm EST, Monday - Friday."

Anyone know what triggers this? After 1st CC load I've been getting this warning.
Am I not allowed to load with a business CC maybe?
Haleyb is offline  
Old Apr 23, 14, 11:56 pm
  #3385  
 
Join Date: Dec 2013
Posts: 3,197
Originally Posted by Haleyb View Post
"You have the following errors.
We are unable to complete your request at this time, as additional information is needed. Please call Customer Service at 1-800-954-0559. Our hours of operation are 9am - 8pm EST, Monday - Friday."

Anyone know what triggers this? After 1st CC load I've been getting this warning.
Am I not allowed to load with a business CC maybe?
No it doesn't have to be a business CC. No matter what, Amex wants to confirm any CC or DC added to your account. Think about it, if you add a checking account on Serve, they can instantly verify your checking account by asking you to login with your bank credentials. With a CC and DC, they have no way to verify it until you call them. Just call Serve and tell them to verify your CC. Also if you have a DC loaded you mind as well ask them to verify that as well if you have them on the phone.
ericdabbs is offline  
Old Apr 24, 14, 6:54 am
  #3386  
 
Join Date: Aug 2011
Posts: 404
So I switched my wife from BB to Serve ISIS a few weeks ago following the wiki's procedure and everything went flawless.

Last night I did the same for myself and when I went to sign up for Serve through ISIS I got a phone number error. I corrected the phone issue by entering a home phone number instead of cell and then got an email with the following:

"Thank you for signing up for American Express Serve. We're sorry but because you have an existing Bluebird Account, we cannot approve you for another American Express Serve Account"

Has something changed? Should I try to sign up for Serve again today? Also, how do you get ISIS to let you sign up for Serve a second time through the app? When add a card now it doesn't have that nice step through process to sign up for Serve. TIA
bar19900 is offline  
Old Apr 24, 14, 7:41 am
  #3387  
 
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
Serve is doing well for me. I am still careful with the MP loads, have only done $1500 this month (first month with serve)

I probably won't max it out though, maybe load another $1000 or $1500 for the month
stupidzbu is offline  
Old Apr 24, 14, 8:36 am
  #3388  
 
Join Date: Mar 2014
Posts: 16
Smile My first SERVE experience

I recently started Serve within the last week. I am using to meet the minimum spend on my Chase IHG Rewards card. After loading $200 the first day, I had been receiving an error message that would not allow me to load an additional $200 the next.

I had to call the provided 800 number for customer SERVE-ice. It took 15 minutes but they basically needed to confirm the Chase card was actually mine. So they asked me a few questions and then called Chase as well.

It is now working again.

I asked the CS rep if this would happen with every new card I linked to my Serve account and she said she didn't think so. I must have just gotten flagged for security purposes but hopefully this isn't a stain on my reputation with AMEX.
wetz is offline  
Old Apr 24, 14, 8:42 am
  #3389  
 
Join Date: Dec 2013
Location: NYC
Posts: 3,141
Originally Posted by wetz View Post
I recently started Serve within the last week. I am using to meet the minimum spend on my Chase IHG Rewards card. After loading $200 the first day, I had been receiving an error message that would not allow me to load an additional $200 the next.

I had to call the provided 800 number for customer SERVE-ice. It took 15 minutes but they basically needed to confirm the Chase card was actually mine. So they asked me a few questions and then called Chase as well.

It is now working again.

I asked the CS rep if this would happen with every new card I linked to my Serve account and she said she didn't think so. I must have just gotten flagged for security purposes but hopefully this isn't a stain on my reputation with AMEX.
It will happen with every new card.
Domat is offline  
Old Apr 24, 14, 9:25 am
  #3390  
 
Join Date: May 2012
Posts: 157
Question

Originally Posted by bar19900 View Post
So I switched my wife from BB to Serve ISIS a few weeks ago following the wiki's procedure and everything went flawless.

Last night I did the same for myself and when I went to sign up for Serve through ISIS I got a phone number error. I corrected the phone issue by entering a home phone number instead of cell and then got an email with the following:

"Thank you for signing up for American Express Serve. We're sorry but because you have an existing Bluebird Account, we cannot approve you for another American Express Serve Account"

Has something changed? Should I try to sign up for Serve again today? Also, how do you get ISIS to let you sign up for Serve a second time through the app? When add a card now it doesn't have that nice step through process to sign up for Serve. TIA
i am running into the same issue....called the serve csr, they have no idea...they asked me to wait for 30 days
ranjanrocks is offline  

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