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 Jul 3, 14, 9:18 pm
  #4891  
 
Join Date: Mar 2014
Posts: 26
Originally Posted by Domat View Post
Just did the family Dollar thing...A boon for us with no WM easily available.
I hope you don't mind me asking, but where do you live? I figured by now Walmart would have infected most of the country.
RavenHawk is offline  
Old Jul 3, 14, 9:37 pm
  #4892  
 
Join Date: Dec 2013
Posts: 18
Debit Card reload on Serve website

Originally Posted by Fuerza View Post


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.)
Greatly appreciate the insight on this, Fuerza. Is it your opinion that Serve will still flag your acct even if you go thru the process of registering your name/address with your Visa gift card issuer for the specific purpose of making online purchases? I had success today loading my Serve acct thru their Online DC load portal and I assumed it worked due to my Visa GC being tied to my name and address.
mm93991 is offline  
Old Jul 3, 14, 10:03 pm
  #4893  
 
Join Date: Apr 2011
Location: USA
Programs: United 1K. AA LTGD
Posts: 457
For FD loads, is $500 limit per store or per day?
clockhand is offline  
Old Jul 3, 14, 11:02 pm
  #4894  
 
Join Date: Dec 2013
Posts: 3,172
Anybody who is jealous of being able to load at FD...don't. Its more of a hassle than it is a benefit. The POS machines are way too sensitive and if you try to load Serve with 2 $500 transactions consecutive (1 $500 transaction with Serve A card and 1 $500 transaction with Serve B card) even though they are different Serve cards, the system will flag it as fraud and won't let you do it even though it was 10 minutes apart. That is the most disturbing thing about it. I get it if FD wants to limit $500/day per Serve card but when they start imposing in general no 2 $500 loads in a row even though they are different Serve cards it is just ridiculous.

Originally Posted by clockhand View Post
For FD loads, is $500 limit per store or per day?
Not sure. Need more data points on it. I'll experiment more tomorrow.
ericdabbs is offline  
Old Jul 4, 14, 12:07 am
  #4895  
 
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 953
Originally Posted by heyeaglefn View Post
If only there was a wiki with information in it.
Maybe we can change the title of the thread to "Read The Wiki Before Posting."
sechs is offline  
Old Jul 4, 14, 12:08 am
  #4896  
 
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 953
Originally Posted by ericdabbs View Post
Anybody who is jealous of being able to load at FD...don't. Its more of a hassle than it is a benefit. The POS machines are way too sensitive and if you try to load Serve with 2 $500 transactions consecutive (1 $500 transaction with Serve A card and 1 $500 transaction with Serve B card) even though they are different Serve cards, the system will flag it as fraud and won't let you do it even though it was 10 minutes apart. That is the most disturbing thing about it. I get it if FD wants to limit $500/day per Serve card but when they start imposing in general no 2 $500 loads in a row even though they are different Serve cards it is just ridiculous.
Perhaps this is a velocity limit.

How many $500 transactions does a store see from your usual FD shopper?
sechs is offline  
Old Jul 4, 14, 12:18 am
  #4897  
 
Join Date: Dec 2013
Posts: 632
Dammit, I made a rookie mistake. Make sure to read the WIKI people! I linked an AMEX to my 2 serve accounts and was all "I'm getting Starwoods points!" Dammit to hell.
RamboAroundTheWorld is offline  
Old Jul 4, 14, 12:29 am
  #4898  
Formerly known as FTRox87
 
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
Originally Posted by ericdabbs View Post
Anybody who is jealous of being able to load at FD...don't. Its more of a hassle than it is a benefit. The POS machines are way too sensitive and if you try to load Serve with 2 $500 transactions consecutive (1 $500 transaction with Serve A card and 1 $500 transaction with Serve B card) even though they are different Serve cards, the system will flag it as fraud and won't let you do it even though it was 10 minutes apart. That is the most disturbing thing about it. I get it if FD wants to limit $500/day per Serve card but when they start imposing in general no 2 $500 loads in a row even though they are different Serve cards it is just ridiculous.



Not sure. Need more data points on it. I'll experiment more tomorrow.
but think about it this way: this is a dollar store we're talking about. they are NOT used to huge transactions. hell, $1k might be total sales for many stores. for those stores out in the boonies, that might represent a cpl days or even a weeks worth of sales.

you can expect FD to come charging out of the gates. they are not WM or Target and are not used to seeing such numbers. all we can do is train em and eventually, hopefully FD will raise its limits once they/their banks/insurance/compliance/legal depts all get comfortable with folks loading day in and day out.
FTR 787 is offline  
Old Jul 4, 14, 12:34 am
  #4899  
 
Join Date: Dec 2013
Posts: 3,172
Originally Posted by sechs View Post
Perhaps this is a velocity limit.

How many $500 transactions does a store see from your usual FD shopper?
Yeah but the problem is that it is not differentiating between Serve cards. I get it if FD wants to limit it to $500/day per Serve card that is fine with me. However when I swipe using my other Serve card, the system should assume that I am a completely different person. The system reads a different Serve card number and a different debit card number. It shouldn't assume that it is the same person. This scenario can be reality where there are back to back folks who are different customers who want to load $500 and can't do so because person 'A' triggered the velocity limit. Trust me it was about 7 minutes or so before I tried the 2nd swipe.

Its a pretty bad implementation if you ask me. The FD POS system should be coded to put limits based on the Serve card number swiped, not if people do 2 $500 transactions in a row. It would be embarrassing if someone was using their real debit card and got denied just because of this FD glitch. Again if FD is going to be a spot where Amex has advertised to the people that they can load Serve, this is going to be a huge headache for FD. They definitely need some changes if they want to keep this implementation.
ericdabbs is offline  
Old Jul 4, 14, 1:37 am
  #4900  
Formerly known as FTRox87
 
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
you do realize the vast majority of the intended folks loading at FD are not even gonna be close to $500 right? so there wont be an issue with person A and B.

its only an issue if person A is an MSer and so is B.
FTR 787 is offline  
Old Jul 4, 14, 1:57 am
  #4901  
 
Join Date: Dec 2013
Posts: 3,172
Originally Posted by FTRox87 View Post
you do realize the vast majority of the intended folks loading at FD are not even gonna be close to $500 right? so there wont be an issue with person A and B.

its only an issue if person A is an MSer and so is B.
I understand that but then again how is this any different than loading at WM. The majority of folks at WM aren't loading $500 either but it doesn't stop them from allowing up to $2K. The amount allowable is irrelevant. The main point is that FD as well as others are providing a service to load Serve and whether they are the intended customers are irrelevant. People may go to FD to load their Serve card because it is on their way home while WM is not. Doesn't mean that all customers who go to load their Serve at FD have to be their intended customers and certainly the system should not choke on a $500 transaction.

If its going to be this much of a hassle then they should just not advertise loading up to $500 if its going to cause employees to waste more time trying to reset their systems. The best solution would be that they update their system to limit the amount allowable to be loaded based on the Serve card number instead of the amount being loaded in a short period of time. Its rather silly if lets say I load $500 and then the next person after me only does $100 and gets hung up in the transaction.
ericdabbs is offline  
Old Jul 4, 14, 2:00 am
  #4902  
 
Join Date: Dec 2013
Posts: 3,172
Originally Posted by FTRox87 View Post
but think about it this way: this is a dollar store we're talking about. they are NOT used to huge transactions. hell, $1k might be total sales for many stores. for those stores out in the boonies, that might represent a cpl days or even a weeks worth of sales.

you can expect FD to come charging out of the gates. they are not WM or Target and are not used to seeing such numbers. all we can do is train em and eventually, hopefully FD will raise its limits once they/their banks/insurance/compliance/legal depts all get comfortable with folks loading day in and day out.
Agreed maybe they'll eventually update their system to have more reasonable limits.
ericdabbs is offline  
Old Jul 4, 14, 5:15 am
  #4903  
 
Join Date: Mar 2014
Location: NC
Programs: CITI, Barclay, Fidelity Amex, CC
Posts: 128
Here's a horror story: Went to FD and asked to load $500 to Serve. No problem. Swiped CC just to check. No go. Said "oops" and swiped an OV. No go. Feeling bad for cashier I went to the back of the line. She rang up a cash transaction for someone but then the register wouldn't work for the next guy. Manager came and said register needed me to swipe my OV again in order to void the transaction so I did so. Then I tried to load again and was denied due to insufficient funds. Pulled out my smartphone and here's what I found:
$500 debited from OV at Family Dollar but nothing in Serve!!!!
I then spent the next 2 hours dealing with the manager and CSRs at Serve and OV. Long story short: No one really knows what happened or where the money went/is, but all are convinced it will show up on the OV card again in 30 business days. Total nightmare.
birdhands is offline  
Old Jul 4, 14, 6:08 am
  #4904  
 
Join Date: Dec 2013
Location: CMH
Posts: 490
Originally Posted by mm93991 View Post
Greatly appreciate the insight on this, Fuerza. Is it your opinion that Serve will still flag your acct even if you go thru the process of registering your name/address with your Visa gift card issuer for the specific purpose of making online purchases?
they will and will ask for copies of drivers license and the debit card. Just play by their rules and don't do it.
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Old Jul 4, 14, 6:49 am
  #4905  
Formerly known as FTRox87
 
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
FD has been live for what 2 days? and damn noobs are already messing it all up. just great, good job guys

we've gone over how sensitive FD registers are. heed caution... but nope, you guys wanna play around with fire eh.
FTR 787 is offline  

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