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 Jul 3, 14, 3:04 pm
  #4876  
 
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Has there been any MetaBank issues loading Serve at WM?
Fuerza is offline  
Old Jul 3, 14, 3:40 pm
  #4877  
 
Join Date: Apr 2013
Posts: 120
Originally Posted by ericdabbs View Post
Not to mention that even in LAX there are not that many FD stores.
Some people have them on every corner and hope more people feel the way you do. :-) but then again some people don't have working kates. :-) tested this on Tuesday when the email came from serve and was told cash only but today had success at two stores. Not big numbers though. FD has already been on my route for liquidation for a while so this is a nice addition for me at least before it gets killed.
phantasmic is offline  
Old Jul 3, 14, 4:00 pm
  #4878  
 
Join Date: Dec 2013
Posts: 3,174
Originally Posted by phantasmic View Post
Some people have them on every corner and hope more people feel the way you do. :-) but then again some people don't have working kates. :-) tested this on Tuesday when the email came from serve and was told cash only but today had success at two stores. Not big numbers though. FD has already been on my route for liquidation for a while so this is a nice addition for me at least before it gets killed.
Why are people assuming it gets killed right now when the volume is so low. It was inevitable that people were going to find out about the FD thing. Its freaking published all over the Serve website.

Right now there seems to be some sort of restriction on consecutive $500 loads so that in itself doesn't make it the better place to load Serve if you have WMs available. People will still go to WM because they can do BP and MOs in addition to loading Serve. FD is definitely a good alternative if you don't want to go to WM or don't have WMs available to you.
ericdabbs is offline  
Old Jul 3, 14, 4:40 pm
  #4879  
 
Join Date: Apr 2012
Location: NYC
Posts: 186
Pretty happy about the FD development since I do not have easy access to WM. Went straight to the cashier and told her I wanted to load my Serve card. She did not know what it was, but scanned the VR at the counter and told me to swipe my Serve card. Used a Metabank VGC from Staples with no problem.
aresay is offline  
Old Jul 3, 14, 6:37 pm
  #4880  
 
Join Date: Mar 2013
Posts: 471
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.

I get this error trying to add $200 from my CC. Am I doing something wrong? I got my first transaction in sometime last week, but I've been lazy at this so I tried again today and got an error.
dmo580 is offline  
Old Jul 3, 14, 6:59 pm
  #4881  
 
Join Date: Feb 2014
Posts: 89
Originally Posted by dmo580 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.

I get this error trying to add $200 from my CC. Am I doing something wrong? I got my first transaction in sometime last week, but I've been lazy at this so I tried again today and got an error.



When adding a new card you will usually need to call in for verification of the new card on the second load try. (Taken Straight from the Wiki)
V6Jeep4x4 is offline  
Old Jul 3, 14, 7:02 pm
  #4882  
 
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 953
Originally Posted by ericdabbs View Post
Not to mention that even in LAX there are not that many FD stores.
But they're in the best parts of town, man!
sechs is offline  
Old Jul 3, 14, 7:23 pm
  #4883  
 
Join Date: Apr 2013
Posts: 120
Originally Posted by ericdabbs View Post
Why are people assuming it gets killed right now when the volume is so low. It was inevitable that people were going to find out about the FD thing. Its freaking published all over the Serve website.

Right now there seems to be some sort of restriction on consecutive $500 loads so that in itself doesn't make it the better place to load Serve if you have WMs available. People will still go to WM because they can do BP and MOs in addition to loading Serve. FD is definitely a good alternative if you don't want to go to WM or don't have WMs available to you.
I don't assume it will be killed strictly b/c MMS or another big blog posts it...although so far there is definitely a trend. I knew about it before he posted as I am sure thousands of serve customers did. I assume it will die because of abuse and tons of people flocking to FD suddenly to try it out (including myself) and some to "test the limits" (no need for me as they are on every corner) and people sticking out like a sore thumb pushing thousands a day at a dollar store. I hope it doesn't die fast, maybe it will hang around over a year like WM since pins.

Edit: By the way I love this game...not complaining....just learning not to get too attached!
phantasmic is offline  
Old Jul 3, 14, 8:10 pm
  #4884  
 
Join Date: Jan 2014
Location: Chyona
Programs: Anywhere I can ski...
Posts: 401
time for me to get to know serve since BB/WM load is slowing getting killed...lol i didn't even know this thread was here...
MasterCharge is offline  
Old Jul 3, 14, 8:13 pm
  #4885  
 
Join Date: May 2014
Posts: 23
Anyone have problems trying to load a simon giftcard as a debit card? I was able to load my first 500 ( 200/day limit) and added a new card to load but it gave me and error message and to call in. Anyone else?
congo287 is offline  
Old Jul 3, 14, 8:19 pm
  #4886  
 
Join Date: Dec 2012
Posts: 47
Originally Posted by Marathon Man View Post
I bet this new family dollar thing dies real fast

So MM what are your thoughts on this thought, Chase/Amex/Barclay etc have mailing addresses for consumer complaints. Why would it be a bad idea to claim how we are ashamed that say Amex would associate themselves with someone who promotes such Black Hat tactics.

I used to be a in Internet Marketing/SEO and once upon a time lots of people scamming and exploiting google search would write blogs and earn affiliate money from Bluehost.

People complained and made a crap storm that Bluehost would be affiliated with such blogs (even though the $ was indirect since it would come from flex offers or commission junction).

Bluehost doesn't shutdown sites that promote black hat tactics but they dropped hundreds of blogs that were writing about these tactics for the main purpose of getting clicks and affiliate income.

Isn't this similar? If we made a crap storm about people like MMS getting $$ for blogging about these tactics maybe these companies would make sure that the 3rd party affiliate companies drop them. The CC companies still allow the shenanigans similar to how Bluehost will still host blogs that write questionable material just that Bluehost no longer gives them $$ for their link bait.

Interested on your thoughts or others
DarrellDoesDallas is offline  
Old Jul 3, 14, 8:50 pm
  #4887  
 
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,576
Originally Posted by congo287 View Post
Anyone have problems trying to load a simon giftcard as a debit card? I was able to load my first 500 ( 200/day limit) and added a new card to load but it gave me and error message and to call in. Anyone else?
loooooooooooooooooooool.
f0xx is offline  
Old Jul 3, 14, 9:02 pm
  #4888  
 
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,573
If only there was a wiki with information in it.
heyeaglefn is offline  
Old Jul 3, 14, 9:10 pm
  #4889  
 
Join Date: Sep 2013
Posts: 123
is there any issues with loading credit card on the website? Ive already loaded 5, 500 dollar transactions the pass week or 2. Trying to load my 3rd 500 dollar for month of july. It just says there is an error. Something went wrong. Try again.
evor1 is offline  
Old Jul 3, 14, 9:15 pm
  #4890  
 
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Originally Posted by congo287 View Post
Anyone have problems trying to load a simon giftcard as a debit card? I was able to load my first 500 ( 200/day limit) and added a new card to load but it gave me and error message and to call in. Anyone else?


Online DC Loads:

For this method, use of debit card(s) issued by your bank only are allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, VGC, MGC, AGC, etc.) are NOT allowed for the online debit card load. While initial transactions may work, your account will be eventually be flagged. (The paypal business debit card that is linked to your paypal account is fine.)
Fuerza is offline  

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