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.
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People with an apartment address can find helpful information quoted in post #8530
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Old Jun 29, 14, 8:46 am
  #4756  
 
Join Date: Nov 2006
Location: LAX
Posts: 2,748
Thank you all. Finally done with setting up serve
metoo is offline  
Old Jun 30, 14, 2:43 am
  #4757  
 
Join Date: May 2014
Posts: 168
Is the $1k online CC loads per calendar month?
IWOL is offline  
Old Jun 30, 14, 2:50 am
  #4758  
 
Join Date: Oct 2011
Location: North Carolina
Posts: 613
Originally Posted by IWOL View Post
Is the $1k online CC loads per calendar month?
Yes.
JATR4 is offline  
Old Jun 30, 14, 4:39 am
  #4759  
 
Join Date: May 2014
Posts: 77
Originally Posted by payeco View Post
Come on dude, how many times do I have to say it? I said the same thing in the PM you sent me too. You're beginning to sound like a god damn newb.

Once you create the Isis Serve you don't do anything in the Isis app. Delete the fukking Isis app from your phone. You don't need it anymore. Everything from that point on is done either on the Amex Serve mobile app or from the Amex Serve website.

If you would read the thread/wiki you would know that even though it still says the limit is $200/$1000 it is really $500/$1500. Is this clear enough or do you need some circles and arrows for every god damn step of the process?
I know payeco was mainly saying this to finally get his point across, but now that metoo has finally figured out how to setup serve isis...I actually do not recommend deleting the isis app.

It doesn't really take up much room or anything, plus it has some nice little bonuses like $1 per swipe up to $50 a month, etc. i wouldnt go very far out of my way for that, but mainly its also good to sprinkle in some real everyday spending in there as well. Just my opinion

Last edited by MileageAddict; Jun 30, 14 at 8:07 am
tnguyen29 is offline  
Old Jun 30, 14, 6:28 am
  #4760  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,355
Originally Posted by tnguyen29 View Post
I know payeco was mainly saying this to finally get his point across, but now that metoo has finally figured out how to setup serve isis...I actually do not recommend deleting the isis app.

It doesn't really take up much room or anything, plus it has some nice little bonuses like $1 per swipe up to $50 a month, etc. i wouldnt go very far out of my way for that, but mainly its also good to sprinkle in some real everyday spending in there as well. Just my opinion
Yea I was going to say the exact same thing.
cdancer20 is offline  
Old Jun 30, 14, 9:16 am
  #4761  
 
Join Date: Dec 2013
Posts: 3,163
delete
ericdabbs is offline  
Old Jun 30, 14, 10:43 am
  #4762  
 
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,054
thanks everyone for sharing tips here. I did two direct deposits from AP to wife's account and the $50 credit posted. This helps with all the MS fees that have been piling up.

I have switched over to serve as well but not sure I will receive my card in time to get the $50 credit.

Last edited by mintcilantro; Jun 30, 14 at 12:56 pm
mintcilantro is online now  
Old Jun 30, 14, 10:52 am
  #4763  
 
Join Date: Apr 2014
Location: MDT
Programs: DL, AA
Posts: 386
Originally Posted by mintcilantro View Post
thanks everyone for sharing tips here. I did two direct deposits from AP to her account and the $50 credit posted. This helps will all the MS fees that have been piling up.

I have switched over to serve as well but not sure I will receive my card in time to get the $50 credit.
The DD bonus might be running through July 31st. I got a mailing from Serve saying the offer was valid until 7/31/14.
mh1361 is offline  
Old Jun 30, 14, 12:57 pm
  #4764  
 
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,054
Originally Posted by mh1361 View Post
The DD bonus might be running through July 31st. I got a mailing from Serve saying the offer was valid until 7/31/14.
sweet..

the serve website also mentions $25 credit for a >$25 one time purchase. That helps too
mintcilantro is online now  
Old Jun 30, 14, 12:58 pm
  #4765  
 
Join Date: Aug 2011
Location: IAD
Posts: 148
I bought T-Mobile LG Optimus F6 to sign up for isis. will sign-up for $3 daily plan to setup the account.
What data plan do you guys recommend for daily use to pay with isis for $50 monthly bonus? It dosent make sense to keep $3/day plan unless I can make multiple transactions on the same day. I will be using this phone only for ISIS.
coolmuke is offline  
Old Jun 30, 14, 1:02 pm
  #4766  
 
Join Date: May 2013
Posts: 241
Opened Serve (thru isis) around 15th.. Loaded 1.25K (3 diff days) so far with CC.. Trying to load the last $250 and it would not let me load.. Keeps saying that the transaction will exceed my limit.. Wont even let me load $25..
slickpokerdealer is offline  
Old Jun 30, 14, 1:04 pm
  #4767  
 
Join Date: May 2013
Posts: 241
Originally Posted by coolmuke View Post
I bought T-Mobile LG Optimus F6 to sign up for isis. will sign-up for $3 daily plan to setup the account.
What data plan do you guys recommend for daily use to pay with isis for $50 monthly bonus? It dosent make sense to keep $3/day plan unless I can make multiple transactions on the same day. I will be using this phone only for ISIS.
If you will use the phone only for isis, you dont need a plan after initial set up.. Heck, you dont even need to have data (or wifi) when paying or using.. Its just a hardware that stores the card info and passes to POS thru NFC.. So no internet needed.. Just switch to pay as you go and your balance should stay $7 after your first day...
slickpokerdealer is offline  
Old Jun 30, 14, 1:06 pm
  #4768  
 
Join Date: Oct 2013
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Originally Posted by slickpokerdealer View Post
If you will use the phone only for isis, you dont need a plan after initial set up.. Heck, you dont even need to have data (or wifi) when paying or using.. Its just a hardware that stores the card info and passes to POS thru NFC.. So no internet needed.. Just switch to pay as you go and your balance should stay $7 after your first day...
Are you sure that you don't need data? Have you tested it? I haven't so I don't know but just curious about that.
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Old Jun 30, 14, 1:11 pm
  #4769  
 
Join Date: May 2013
Posts: 241
Originally Posted by cdancer20 View Post
Are you sure that you don't need data? Have you tested it? I haven't so I don't know but just curious about that.
Have been managing several accounts.. None of them interfere with the individual's regular phone.. All seperate cheap isis compatible phones and all started with new prepaid connection ($10 recharge) and going strong with pay as you go plans since day 2..
slickpokerdealer is offline  
Old Jun 30, 14, 1:20 pm
  #4770  
 
Join Date: Jul 2013
Posts: 320
Originally Posted by mintcilantro View Post
the serve website also mentions $25 credit for a >$25 one time purchase. That helps too
Couldn't find it on there--but sounds good! Could you please tell where that is?

Thanks.
AveApostle is offline  

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