Serve - Another Paypal/Amazon Payments.

    Hide Wikipost
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
Print Wikipost

Old Jul 4, 14, 7:17 am
  #4906  
 
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Exclamation

Originally Posted by FTRox87 View Post
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.
I agree! People need to do 1 $500 load per day and leave it at that.

The demographic FD shopper doesn't spend that much at FD. Trying to load up $2500 in one store visit is going to raise unnecessary suspicions.

For the record, if you try and swipe load more than 1x $500 it will trigger a manager override request. Do we really want store manager wondering why fokes are loading in excess of $500?

Don't mess this up people....
Fuerza is offline  
Old Jul 4, 14, 7:30 am
  #4907  
 
Join Date: Dec 2013
Posts: 18
Originally Posted by canyoncar View Post
they will and will ask for copies of drivers license and the debit card. Just play by their rules and don't do it.
Appreciate the feedback...Hopefully the one time I did this will not result in me having to provide copies etc. I will take the advice & not go this route moving fwd....just stick with WM & FD loads.
mm93991 is offline  
Old Jul 4, 14, 7:57 am
  #4908  
 
Join Date: Aug 2011
Location: IAD
Posts: 148
I am ready for signing up for isis. I am looking for someone to refer me. Please PM me.
coolmuke is offline  
Old Jul 4, 14, 9:24 am
  #4909  
 
Join Date: Mar 2014
Location: NC
Programs: CITI, Barclay, Fidelity Amex, CC
Posts: 128
Originally Posted by FTRox87 View Post
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.
Is this post directed at me? If so, you're way off base. I didn't attempt to load more than $500. Furthermore, I've done nothing to harm the prospects of any MSers. The manager and I have even become friendly.

Last edited by birdhands; Jul 4, 14 at 11:41 am
birdhands is offline  
Old Jul 4, 14, 10:07 am
  #4910  
 
Join Date: Dec 2013
Location: NYC
Posts: 3,134
sigh never mind.

Last edited by Domat; Jul 4, 14 at 10:19 am
Domat is offline  
Old Jul 4, 14, 10:12 am
  #4911  
Suspended
 
Join Date: Jun 2011
Posts: 639
brenda

Originally Posted by birdhands View Post
Is this post directed at me? If so, you're way off base. I didn't attempt to load more than $500. Furthermore, I've done nothing to harm the prospects of any MSers. The manager and I have even become friendly.
Even if you aren't addressing me your post still comes across as an adolescent tantrum. I'm sure you can do better.
I guess you might not be aware of the prime directive of MS which is :

Do not bring unwarranted attention to yourself or an existing program by attempting already proven unacceptable methods of purchase.

I just made that up but you get the picture, hopefully this is not a tantrum.

edit
Sorry about brenda heading, name of citi csr I was talking to
member7777 is offline  
Old Jul 4, 14, 10:18 am
  #4912  
 
Join Date: Dec 2013
Location: NYC
Posts: 3,134
Birdhands- Thank you for experimenting and letting us know the outcome. It is now confirmed that CC loads are still not working.

Ignore anyone who uses the words noobs or nubies they are usually not worth it.

Last edited by Domat; Jul 4, 14 at 10:31 am
Domat is offline  
Old Jul 4, 14, 11:41 am
  #4913  
 
Join Date: Mar 2014
Location: NC
Programs: CITI, Barclay, Fidelity Amex, CC
Posts: 128
7777, I can see where you're coming from. However, in this case I was testing my CC at FD well before our ability to load Serve there was being openly discussed in the forum. I made it look like an innocent mistake and it was treated as such.
I have rescinded the tantrum comment in an effort to encourage civility on FT.
birdhands is offline  
Old Jul 4, 14, 12:09 pm
  #4914  
Suspended
 
Join Date: Jun 2011
Posts: 639
Here is the real issue imo-
Your "friend" the manager, may possibly be exposing everything you told him about MS with Serve the minute you leave.
I mention this because at a certain bank where I thought everything was cool- wasn't, as I caught the "friendly" teller in the managers office < 45 seconds after I walked out to my car and returned for something else.
These employees are only interested in 1 thing and that is retaining their job by not omitting any suspicious or untoward activity. They are not your friend.
edit
Issue in question was >$10k deposit (by check) no MS ever discussed.
member7777 is offline  
Old Jul 4, 14, 12:11 pm
  #4915  
 
Join Date: Jun 2014
Posts: 23
Originally Posted by ericdabbs View Post
LOL oh boy you are new to this I can tell if you don't know the basics. I guarantee you that you will need every dollar to pay back your CC bills if you understood the concepts.
So rather than being mean perhaps you could just say "pay your credit card bill using Serve." 323 pages of discussion. Nothing mentioned in the wiki. Yeah I'm new to this, so what?
anorexicwallet is offline  
Old Jul 4, 14, 12:15 pm
  #4916  
 
Join Date: Jun 2014
Posts: 1
Originally Posted by anorexicwallet View Post
So rather than being mean perhaps you could just say "pay your credit card bill using Serve." 323 pages of discussion. Nothing mentioned in the wiki. Yeah I'm new to this, so what?
you arent gonna find much of that here i think... better to read tons of forums before posting. kinda just sit back and enjoy all the good info.
xgamz00 is offline  
Old Jul 4, 14, 12:31 pm
  #4917  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 27,297
Originally Posted by ericdabbs View Post
I am thinking based on what you said that there are ways around this if it wont let you load consecutive $500 loads. Just need to experiment with it.
Post 4867

Originally Posted by forever1001 View Post
Don't do this. It will freeze your transaction and the REGISTER. It took the employee nearly 10 minutes to unfreeze it.
Post 4875 directly replied to the "thought to experiment".

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.
You have been warned. Someone posted to your "experiment" post.

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.
This!

Originally Posted by ericdabbs View Post
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.
Again, FD is no WM nor Target. It is an outfit geared to low-budget, low-spend folks.

On top of that, AMEX Serve is not aimed for MSers who simply take advantage of the product, but let's all admit it, the MSers are NOT the intended customers so why should the system to design around YOU?

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.
Exactly! Why would people want to take it to its limit the moment a new avenue opens up?!

Last edited by Happy; Jul 4, 14 at 12:47 pm
Happy is offline  
Old Jul 4, 14, 12:39 pm
  #4918  
 
Join Date: Dec 2013
Location: NYC
Posts: 3,134
Originally Posted by Happy View Post
You have been warned. Someone posted to your "experiment" post.



This!



Again, FD is no WM nor Target. It is an outfit geared to low-budget, low-spend folks.

On top of that, AMEX Serve is not aimed for MSers who simply take advantage of the product, but let's all admit it, the MSers are NOT the intended customers so why should the system to design around YOU?



Exactly! Why would people want to take it to its limit the moment a new avenue opens up?!

... are you talking about. He already said he did this before it was being discussed and was "warned" here.

Not to mention that none of the posts you quoted has anything to do with what he did.

Family dollar has around 10.5 billion dollars in revenue a year. It isn't walmart by any stretch but it isn't as rinky dink as what is posted here.

Last edited by Domat; Jul 4, 14 at 12:46 pm
Domat is offline  
Old Jul 4, 14, 12:46 pm
  #4919  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 27,297
Originally Posted by Domat View Post
... are you talking about. He already said he did this before it was being discussed and was "warned" here.

Not to mention that none of the posts you quoted has anything to do with what he did.
You need to follow the chain of posts more carefully.

I added the original "thought to experiment" quote to my post and the correspondent post number, followed by the warning directly replied to post 4867, that is post 4875.

I am sure you can see the sequence of the post number, and the TIME of the posts, indicated the "warning" is given AFTER the "thought to experiment" is posted.

What he essentially did was exactly what he was being warned NOT to do it because it would freeze the FD register. A subsequent $500 load even to a different Serve card would not go thru.

Pay more attention when you read would help you learn more.
Happy is offline  
Old Jul 4, 14, 1:01 pm
  #4920  
 
Join Date: Dec 2013
Location: NYC
Posts: 3,134
Originally Posted by Happy View Post
You need to follow the chain of posts more carefully.

I added the original "thought to experiment" quote to my post and the correspondent post number, followed by the warning directly replied to post 4867, that is post 4875.

I am sure you can see the sequence of the post number, and the TIME of the posts, indicated the "warning" is given AFTER the "thought to experiment" is posted.

What he essentially did was exactly what he was being warned NOT to do it because it would freeze the FD register. A subsequent $500 load even to a different Serve card would not go thru.

Pay more attention when you read would help you learn more.
You did notice that the thought experiment starts on my post 4864 where I said I successfully did multiple loads right after another right?

Forever gave a warning with no details but I presume it really has nothing to do with what Eric was talking about. Probably just 2 tries of 500 which we know doesn't work.

4905 and 4906 have nothing to do with that original thought experiment.


Pay more attention when you read would help you learn more.

Last edited by Domat; Jul 4, 14 at 1:11 pm
Domat is offline  

Thread Tools
Search this Thread