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
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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 Jun 30, 14, 9:14 pm
  #4786  
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Originally Posted by drdrew450 View Post
Can serve be loaded with reloadit cards?
Surprised it's taken this long to reach this thread...

They're not up and running yet with Serve loads. It's still "coming".
payeco is offline  
Old Jun 30, 14, 9:40 pm
  #4787  
 
Join Date: Dec 2013
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Originally Posted by drdrew450 View Post
Can serve be loaded with reloadit cards?
NO
ericdabbs is offline  
Old Jun 30, 14, 9:40 pm
  #4788  
 
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Originally Posted by payeco View Post
You can do Isis with your work issues iPhone. Just buy a case and put it on your work phone. I used my work phone and register an account and Serve account. It doesn't have any impact on your company's bill and they won't know you've done it.

Also, you should be able to get the Isis case for cheaper than $65 dollars. Verizon is running a promo on the case right now for $29. Ask AT&T (I'm assuming that's who you have) to price match Verizon. And with AT&T you get $50 in credits to your Serve account when you open it and load funds the first time.
Where is Verizon selling the case for $29?
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Old Jun 30, 14, 9:44 pm
  #4789  
 
Join Date: Aug 2011
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Originally Posted by slickpokerdealer View Post
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..
Can you recommend some cheap phone to use with ISIS?
Initial $10 load is valid for 90 days. Do you disconnect the service after that and just use the phone?
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Old Jun 30, 14, 10:01 pm
  #4790  
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Originally Posted by frudd38 View Post
Where is Verizon selling the case for $29?
Their website. Add to cart and the price drops $40 bucks.
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Old Jun 30, 14, 10:03 pm
  #4791  
 
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Originally Posted by payeco View Post
Their website. Add to cart and the price drops $40 bucks.
Wow nice, thanks. And I just paid $75 for the battery version in store 2 weeks ago.. =\

Needed another 5s and 4s case, but looks like 4s is not on sale?
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Old Jun 30, 14, 10:09 pm
  #4792  
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Originally Posted by frudd38 View Post
Wow nice, thanks. And I just paid $75 for the battery version in store 2 weeks ago.. =\

Needed another 5s and 4s case, but looks like 4s is not on sale?
Don't know, I only have phones with lightning connectors so never bothered to look.
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Old Jul 1, 14, 7:15 am
  #4793  
 
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Originally Posted by payeco View Post
No, what it is saying is that is you use $25 in credits in June, the other $25 doesn't roll over to July and give you $75 in credits. It's saying use it or lose it.
Thanks for the explanation. I was confused too and thought that this was a really crappy shortcoming.
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Old Jul 1, 14, 7:17 am
  #4794  
 
Join Date: Oct 2013
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Originally Posted by payeco View Post
Anyone tested the limits of the backup funding with your linked credit card? Does backup funding count as part of the $1500 monthly load limit from a CC? I'm wondering I can Sync the $10 off $200 AGC deal to my Serve accounts and have the charges fall back to my CSP and Ink cards since my accounts are empty but I'm already over the CC limit for the month.
I accidently had a huge charge go through on Serve and pull from my backup funding. It doesn't count against your monthly CC load limit.
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Old Jul 1, 14, 9:16 am
  #4795  
 
Join Date: Nov 2010
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Error linking CC

I opened a new serve account, and am trying to link my CC. It throws an error saying "Unable to link card at this time. Please try again later." The names and addresses on my CC and serve account match. Serve CS says "The error only occurs when there is address mismatch", and Barclay says they received authorization requests from Serve and they were approved.

I see from previous posts on this thread that a few others have also seen this error, (but some were about GC, not CC). I wonder if there is a resolution to this problem!

Thanks!
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Old Jul 1, 14, 10:45 am
  #4796  
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Originally Posted by cdancer20 View Post
I accidently had a huge charge go through on Serve and pull from my backup funding. It doesn't count against your monthly CC load limit.
Cool, thanks for the feedback. I'll try syncing my Serve with the AGC deal and try a purchase.
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Old Jul 1, 14, 10:55 am
  #4797  
 
Join Date: May 2014
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Originally Posted by cdancer20 View Post
I accidently had a huge charge go through on Serve and pull from my backup funding. It doesn't count against your monthly CC load limit.
What does the overcharge say on your credit card? Does it just list Serve or does it list the store/vendor of the item that was actually charged?
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Old Jul 1, 14, 10:56 am
  #4798  
 
Join Date: Jan 2013
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never mind

Last edited by frudd38; Jul 1, 14 at 11:02 am
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Old Jul 1, 14, 12:16 pm
  #4799  
 
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Got my serve card yesterday. Loaded $200. Tried to load another $200 today and knew I'd get an error. I called 800 555 4318 and they sent me a link to upload a photo of my DL and CC. I did that and account is good to go.

I will load 1k in next 5 days, BP it out and get 2 DD posted. Then I'll sign up for ISIS to hopefully get another 1500 in CC loads this month and the $50 bonus.
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Old Jul 1, 14, 12:23 pm
  #4800  
 
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Originally Posted by mintcilantro View Post
Got my serve card yesterday. Loaded $200. Tried to load another $200 today and knew I'd get an error. I called 800 555 4318 and they sent me a link to upload a photo of my DL and CC. I did that and account is good to go.

I will load 1k in next 5 days, BP it out and get 2 DD posted. Then I'll sign up for ISIS to hopefully get another 1500 in CC loads this month and the $50 bonus.
I believe the $50 Serve DD bonus expired yesterday. I think you are a little too late. You had to have had the 2nd DD by June 30, 2014. These were the T&C's as shown below. But you can try anyways.

Terms and Conditions:

1To receive the $50 credit from American Express Serve, you must: (i) successfully sign up for a new American Express Serve Account, (ii) activate your American Express Serve Card, (iii) successfully enroll in Direct Deposit if your employer or government benefits provider participates in and (iv) receive a minimum of two qualifying Direct Deposit transfers of $250 or more to your American Express Serve Account, the second of which must post on or before June 30, 2014. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck or other regular monthly income electronically deposited by a payor into your American Express Serve Account. Transfers and loads from any other funding source (including P2P, credit or debit card, cash, bank account) do not qualify as load transactions to receive a credit. Funds transferred via Direct Deposit generally post on the day American Express Serve receives the transfer from your payor. However, in some instances it may take several days for American Express Serve to receive your payor’s transfer, so please allow sufficient time for that process to occur. Statement credit will be posted to your American Express Serve Account within thirty (30) days of your satisfying the above requirements. Limit one (1) $50 credit per American Express Serve Account. Subaccount holders are not eligible to earn a credit. Offer subject to change or cancellation at any time and cannot be combined with any other offer(s). Direct Deposit is not available with all employers. Please allow up to two pay cycles for the first Direct Deposit to appear in your Account.
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