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 8, 14, 9:09 pm
  #5056  
 
Join Date: Dec 2013
Posts: 3,170
Originally Posted by FTRox87 View Post
manager override is required for each load? I doubt it, cause that seems unecessary and quite extreme from FD. I can understand for some $ threshold or perhaps multiple load attempts -- but the very first one?
It doesn't matter. Like others have said, FD is not used to >= $500 transactions so that is threshold. So in all the FD stores that I did Serve loading, about 4 out of 5 stores required the supervisor to enter their credentials in order to allow the cashier to get to the point where I can swipe my debit card.

Last edited by ericdabbs; Jul 8, 14 at 9:24 pm
ericdabbs is offline  
Old Jul 8, 14, 9:11 pm
  #5057  
 
Join Date: Apr 2013
Posts: 250
Just received my $15 credit in my serve account today for the home depot offer from last month. Guess we really had to wait after the promotion to get the credit this time.

Edit:
Edited wiki to include Discover under the "treated as purchase earns cashback" for online credit card loads to serve.
Gammachu is offline  
Old Jul 8, 14, 9:33 pm
  #5058  
 
Join Date: Mar 2010
Posts: 140
I had Serve at one point back in the day, then switched to Bluebird. I'm about to switch back to Serve to get the Isis limits. Before doing this, I checked the Serve website and noticed that I can still log into my old Serve account. When I do it shows me:

"Your Account is locked or closed.You will only be able to access your Account Statements.If you have any questions, please call Customer Service at 1-800-954-0559."

Will I have problems opening up a Serve account after I cancel my Bluebird if I've had one before? Has anyone had issues going back to Serve?
BillyFlyer is offline  
Old Jul 8, 14, 9:51 pm
  #5059  
 
Join Date: Feb 2012
Location: Northeast USA
Posts: 298
Another cautionary tale...walked out of FD today $500 poorer than when I walked in, hopefully temporarily.

Was looking to do a single $500 load to Serve, swiped Serve, swiped OV, entered PIN, screen flashed 'approved', but then later said 'transaction denied/declined'. I logged in on the OV site while standing in the store and saw that the $500 was in fact drawn off the OV, but I checked Serve and the funds were not added to my account, nor did I receive the usual confirmation email.

After speaking to several mostly sympathetic employees, managers, Incomm, etc, we still were not able to resolve the matter - hoping corporate can solve it tomorrow. It seems to me that FD drew the funds but did not successfully transmit them through VR to my Serve, so they should simply refund me the money. The employees on duty at the time though said they couldn't just do that without corporate approval.

In the meantime, I'm sitting at home $500 short...not fun
dublin487 is offline  
Old Jul 8, 14, 11:22 pm
  #5060  
 
Join Date: Dec 2013
Posts: 3,170
Originally Posted by dublin487 View Post
Another cautionary tale...walked out of FD today $500 poorer than when I walked in, hopefully temporarily.

Was looking to do a single $500 load to Serve, swiped Serve, swiped OV, entered PIN, screen flashed 'approved', but then later said 'transaction denied/declined'. I logged in on the OV site while standing in the store and saw that the $500 was in fact drawn off the OV, but I checked Serve and the funds were not added to my account, nor did I receive the usual confirmation email.

After speaking to several mostly sympathetic employees, managers, Incomm, etc, we still were not able to resolve the matter - hoping corporate can solve it tomorrow. It seems to me that FD drew the funds but did not successfully transmit them through VR to my Serve, so they should simply refund me the money. The employees on duty at the time though said they couldn't just do that without corporate approval.

In the meantime, I'm sitting at home $500 short...not fun
ATTENTION
Just for anyone out those that try to load Serve at FD and fail due to either
1. Attempted to load a 2nd $500 load (bad mistake given what we know)
2. Didn't realize that someone else maybe 10 minutes before you loaded $500 to Serve (not your fault)

You have to make sure when the transaction at FD fails that you ask the FD cashier to swipe your debit card again in order to have the $500 refunded to your debit card and that should clear up the FD POS system when this occurs.

This is probably the step that most people that are out $500 are failing to do. Now I'll be honest and say I got lucky when I failed both times because the supervisor on duty asked me to reswipe my DC after each time and my funds were refunded. When you then check your balance at OV or Vanilla VGC, you will see a transaction that the $500 was indeed debited from the account followed by a transaction that the $500 was credited back to the account.

I think FD's POS system needs an update to warn cashiers of a failed transaction to ask the customer to reswipe their debit card in order to return the funds onto the card. This is a dangerous game that FD is playing and I can see them get into major trouble for screwing around and not returning people's funds.
ericdabbs is offline  
Old Jul 8, 14, 11:27 pm
  #5061  
 
Join Date: Feb 2012
Location: Northeast USA
Posts: 298
Originally Posted by ericdabbs View Post
Originally Posted by dublin487 View Post
Another cautionary tale...walked out of FD today $500 poorer than when I walked in, hopefully temporarily.

Was looking to do a single $500 load to Serve, swiped Serve, swiped OV, entered PIN, screen flashed 'approved', but then later said 'transaction denied/declined'. I logged in on the OV site while standing in the store and saw that the $500 was in fact drawn off the OV, but I checked Serve and the funds were not added to my account, nor did I receive the usual confirmation email.

After speaking to several mostly sympathetic employees, managers, Incomm, etc, we still were not able to resolve the matter - hoping corporate can solve it tomorrow. It seems to me that FD drew the funds but did not successfully transmit them through VR to my Serve, so they should simply refund me the money. The employees on duty at the time though said they couldn't just do that without corporate approval.

In the meantime, I'm sitting at home $500 short...not fun
Just for anyone out those that try to load Serve at FD and fail due to either
1. Attempted to load a 2nd $500 load
2. Didn't realize that someone else maybe 10 minutes before you loaded $500.

You have to make sure when the transaction at FD fails that you ask the FD cashier to swipe your VGC again in order to have the $500 refunded to your card and to clear up the FD POS system.

This is probably the step that most people that are out $500 are failing to do. Now I'll be honest and say I got lucky when I failed both times because the supervisor on duty asked me to reswipe my DC after each time and my funds were refunded. When you then check your balance at OV or Vanilla VGC, you will see a transaction that the $500 was indeed debited from the account followed by a transaction that the $500 was credited back to the account.

I think FD's POS system needs an update to warn cashiers of a failed transaction to ask the customer to reswipe their debit card in order to return the funds onto the card. This is a dangerous game that FD is playing and I can see them get into major trouble for screwing around and not returning people's funds.
Ya, I had seen similar reports/advice on here and tried several times to persuade the cashiers and managers that they needed to refund the money to my card but they insisted they couldn't do so without first checking with corporate (who were closed for the day) to make sure the funds really got to FD
dublin487 is offline  
Old Jul 8, 14, 11:39 pm
  #5062  
 
Join Date: May 2014
Location: Central VA/LYH/ROA
Programs: BA, AA, SPG, HLTN, ETC
Posts: 361
Has anyone ever tried depositing a Money order to serve via their app? It says we can do up to 10k in check deposits using their mobile app. Many banks allow MO deposits via apps. If this would work and was used in moderation it would be an awesome way to do a few more thousand a month. It would simply mean you could avoid 1 or 2 MO deposits at your local bank each month...which would be nice.

EDIT: Nevermind (i think). It says in the T&C that you can not deposit money order via the app. so i dont think it would work...unless it is one of those things that they say dont work yet it still does...
air360 is offline  
Old Jul 8, 14, 11:41 pm
  #5063  
 
Join Date: May 2014
Location: PHL
Programs: SW CP, SPG Gold, Hilton Gold
Posts: 571
Originally Posted by air360 View Post
Has anyone ever tried depositing a Money order to serve via their app? It says we can do up to 10k deposits via check using their mobile app. Many banks allow MO deposits via apps. If this would work and was used in moderation it would be an awesome way to do a few more thousand a month. It would simply mean you could avoid 1 or 2 MO deposits at your local bank each month...which would be nice.
Have you read the Serve / BB T&C's? If your using a product you might want to start there.
ftomasze is offline  
Old Jul 8, 14, 11:50 pm
  #5064  
 
Join Date: May 2014
Location: Central VA/LYH/ROA
Programs: BA, AA, SPG, HLTN, ETC
Posts: 361
Originally Posted by ftomasze View Post
Have you read the Serve / BB T&C's? If your using a product you might want to start there.
I read the T/C as soon as i posted...and then edited my post...so i actually figured it out before your post but thanks anyways
air360 is offline  
Old Jul 8, 14, 11:52 pm
  #5065  
 
Join Date: Dec 2013
Posts: 3,170
Originally Posted by air360 View Post
Has anyone ever tried depositing a Money order to serve via their app? It says we can do up to 10k in check deposits using their mobile app. Many banks allow MO deposits via apps. If this would work and was used in moderation it would be an awesome way to do a few more thousand a month. It would simply mean you could avoid 1 or 2 MO deposits at your local bank each month...which would be nice.

EDIT: Nevermind (i think). It says in the T&C that you can not deposit money order via the app. so i dont think it would work...unless it is one of those things that they say dont work yet it still does...
Just so you know you are only limited to spending $100K/yr out of your Serve account anyways. If you have a Serve Isis you have $8K/month ($5K for cash loads, $1.5K DC load, $1.5K CC load) which on yearly basis is 12 months x 8K = $96K/yr. This gives you only a $4K buffer. Even normal Serve is 12 months x 7K = $84K/yr which gives you a $16K buffer. Either way its not smart to draw more attention to your account.
ericdabbs is offline  
Old Jul 8, 14, 11:56 pm
  #5066  
 
Join Date: May 2014
Location: Central VA/LYH/ROA
Programs: BA, AA, SPG, HLTN, ETC
Posts: 361
Originally Posted by ericdabbs View Post
Just so you know you are only limited to spending $100K/yr out of your Serve account anyways. If you have a Serve Isis you have $8K/month ($5K for cash loads, $1.5K DC load, $1.5K CC load) which on yearly basis is 12 months x 8K = $96K/yr. This gives you only a $4K buffer. Even normal Serve is 12 months x 7K = $84K/yr which gives you a $16K buffer. Either way its not smart to draw more attention to your account.
Very true...it's late and just been pondering different options Thanks for the reminder.
air360 is offline  
Old Jul 9, 14, 1:00 am
  #5067  
 
Join Date: Dec 2013
Posts: 3,170
Originally Posted by dublin487 View Post
Ya, I had seen similar reports/advice on here and tried several times to persuade the cashiers and managers that they needed to refund the money to my card but they insisted they couldn't do so without first checking with corporate (who were closed for the day) to make sure the funds really got to FD
Perhaps you got unlucky and there was someone within the last hour that must have loaded $500 to Serve at that FD store. This is why FD needs to alter their velocity limit a bit higher than $1K especially if they are going to be a provider to load Serve.

When I brought up the discussion about FD needing to alter its limits to accommodate Serve, I got naysayers bringing up the bogus annual revenue argument as if that matters..blah blah blah blah blah. The fact is that no matter how you look at it, more traffic will be driven to FD stores due to Serve loading. FD sells other prepaid cards in store (PP cash, OV's, GD MPs etc) on a regular basis anyways so it shouldn't be a surprise to deal with possible large volumes. I am sure there are a ton of folks who have triggered the velocity limits by accident and things need to change on the FD POS side if there are not more secure ways to refund folks their money back when velocity limits are triggered.
ericdabbs is offline  
Old Jul 9, 14, 5:24 am
  #5068  
 
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 6,985
Originally Posted by Gammachu View Post
Just received my $15 credit in my serve account today for the home depot offer from last month. Guess we really had to wait after the promotion to get the credit this time.

Edit:
Edited wiki to include Discover under the "treated as purchase earns cashback" for online credit card loads to serve.
Same timing for me. In June I made 2 Home Depot Sync purchases and 2 Exxon Sync purchases. Those 4 purchases were made on 3 different dates. All the credits posted yesterday. So, I am thinking that Serve now processes Sync bonuses as a batch.
onthego15 is offline  
Old Jul 9, 14, 7:03 am
  #5069  
 
Join Date: May 2014
Posts: 201
Originally Posted by Clar View Post
This afternoon i went to FD for the first time to load Serve. Gave cashier the special VR card to scan, then the screen said something that require manager override. No issue after manager did her thing and used $200 mastercard GC to load, twice.

Is it normal for manager to override then load?
FYI I've been to 6 different FDs... 2 required manager override, 3 didn't, and 1 wouldn't even let me do it at all.

It's possible that the 3 that didn't maybe will change their process to require overrides... the 2 that did require were the most recent ones I've been to.
unkinected is offline  
Old Jul 9, 14, 7:18 am
  #5070  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,355
Originally Posted by Clar View Post
This afternoon i went to FD for the first time to load Serve. Gave cashier the special VR card to scan, then the screen said something that require manager override. No issue after manager did her thing and used $200 mastercard GC to load, twice.

Is it normal for manager to override then load?
Originally Posted by ericdabbs View Post
Yes. Pretty much all of the FD stores required a supervisor override except for 1 that maybe didn't require a supervisor override or it did but was distracted and didn't notice. I noticed the supervisor needs to enter their employee ID and then a password to override the system.
Originally Posted by FTRox87 View Post
manager override is required for each load? I doubt it, cause that seems unecessary and quite extreme from FD. I can understand for some $ threshold or perhaps multiple load attempts -- but the very first one?
I did multiple loads last week. Unless something has changed this week, none of my loads required a manager approval.
cdancer20 is offline  

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