Serve - Another Paypal/Amazon Payments.

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Old Jan 26, 15, 10:01 am   -   Wikipost
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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.
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People with an apartment address can find helpful information quoted in post #8530
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Old Jul 30, 14, 5:29 pm
  #5641  
 
Join Date: Jan 2014
Posts: 1,183
Originally Posted by roki View Post
What I do is this:

Serve A (mine): Load CSP (mine, my name)
Serve B (wife): Load Prestige (mine, wife's name as AU)
Serve A: Pay Prestige
Serve B: Pay CSP

7 day turnaround and everything nets to 0.
I use different cards, but the exact same approach.
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Old Jul 30, 14, 6:15 pm
  #5642  
 
Join Date: Apr 2014
Location: SFO
Posts: 167
Originally Posted by Wonko View Post
It isn't. The T&C prohibits transfer to a linked credit or debit card, but transfer =/= Bill Pay.
I think you're splitting hairs but folks get away with it so ...“You agree NOT (bold is in T&C) to transfer funds from your Account to a linked credit or debit card; for example, you may not transfer funds from your Account to pay for an outstanding credit card bill.”

For that matter I've been unable-- and please show me if it's there--to find a prohibition of "gift cards" in the T&C but I digress

T&Cs say " The debit card and/or the debit/payroll card must be issued by a U.S. financial institution or entity, as applicable." My Buxx card is issued by a U.S. financial institution and says "Debit" card on it. Why doesn't that meet the test of their debit card?
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Old Jul 30, 14, 6:25 pm
  #5643  
 
Join Date: Apr 2010
Location: SFO
Programs: A3 *G; HH Diamond;
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Originally Posted by nadir576 View Post
Originally Posted by Navybones View Post
You can probably just do the secure upload of her ID and CC, wait a day, and then try the transaction again. Usually within 24 hours of the failed load attempt you will get an email with instructions and the link to upload secure documents.

However, I believe they run their customer service 24/7. I have called on the weekends and spoken to people. I live in Hawaii, and have called in the afternoon here and still gotten through.

PRO-tip: save that link and if you ever change CC again, pre-emptively upload the documents the day before your CC change.
is this link unique for each user?
You need to login, so yes, it is unique to the account.
geclub1 is online now  
Old Jul 30, 14, 7:37 pm
  #5644  
 
Join Date: Jun 2014
Posts: 319
Originally Posted by KennyS2006 View Post
I can confirm AU cards with different numbers but have their name on the card works fine.

New accounts have been required (from my experience) to have ID and front of card uploaded and then it's released from restrictions.

Kinda annoying at first but if you have everything in order it's easy and then your account should be free and clear for a long time.

which credits cards have AUs with different card numbers? I know amex AUs have different card number but using amex to load serve doesn't earn points... from what I read in this thread, both citi and fia AUs have same number..so that leaves chase?
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Old Jul 30, 14, 8:20 pm
  #5645  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by Pecan Pie View Post
which credits cards have AUs with different card numbers?
CapOne QuickSilver also has different numbers for AUs and primary card. Uploads also process as sale, not cash advance. You also get your rewards soon as the transaction posts when you check it under Rewards Activity.
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Old Jul 30, 14, 8:23 pm
  #5646  
 
Join Date: Jan 2013
Posts: 16
3 consecutive Serve Loads at 3 FD locations

spaced about 10 minutes apart (gotta love South Philly)...I know I saw someone report on doing this at 2 stores, but thought I'd add my data point for 3. Good way to knock off 3Q Freedom if you can find a station that sells OV near a cluster of FDs (i.e. 42nd and Walnut). No funny looks or questions...all cashiers happy to process the transaction; in and out each store in minutes.
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Old Jul 30, 14, 8:26 pm
  #5647  
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Originally Posted by zbrodgers View Post
spaced about 10 minutes apart (gotta love South Philly)...I know I saw someone report on doing this at 2 stores, but thought I'd add my data point for 3. Good way to knock off 3Q Freedom if you can find a station that sells OV near a cluster of FDs (i.e. 42nd and Walnut). No funny looks or questions...all cashiers happy to process the transaction; in and out each store in minutes.
FD daily load limit is totally on a per location basis. I've done the daily load limit on a Serve at 5 different locations all within an hour.

Last edited by payeco; Jul 30, 14 at 9:33 pm
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Old Jul 30, 14, 8:28 pm
  #5648  
 
Join Date: Apr 2014
Location: HNL
Posts: 55
Originally Posted by Pecan Pie View Post
which credits cards have AUs with different card numbers? I know amex AUs have different card number but using amex to load serve doesn't earn points... from what I read in this thread, both citi and fia AUs have same number..so that leaves chase?
My arrival+ card has a different number from my wife's. When I finish the Min Spend on my Citi Exec card I plan to load both of our accounts with the Arrival card.
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Old Jul 30, 14, 8:49 pm
  #5649  
 
Join Date: May 2013
Location: AZ
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Originally Posted by Mamibear View Post
CapOne QuickSilver also has different numbers for AUs and primary card. Uploads also process as sale, not cash advance. You also get your rewards soon as the transaction posts when you check it under Rewards Activity.
+1
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Old Jul 30, 14, 9:37 pm
  #5650  
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Has anyone just called and asked if they could get their AU issued with a different number for a card that normally has the same number? You could just give them some BS reason like the AU was trying to add it to their Amazon account to buy something and it told them that number was already associated with another account.
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Old Jul 30, 14, 9:49 pm
  #5651  
 
Join Date: May 2014
Posts: 168
Any issues paying the same credit card from 2 different Serve account?

I want pay my Barclay card from my Serve account as well as my girlfriends Serve. I know when you do a bill pay it does not ask for your name, just account number but will paying the same account number on two different Serve account cause any problems with Serve or Barclays.
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Old Jul 30, 14, 9:57 pm
  #5652  
 
Join Date: Mar 2014
Location: OC/LAX
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Originally Posted by IWOL View Post
Any issues paying the same credit card from 2 different Serve account?

I want pay my Barclay card from my Serve account as well as my girlfriends Serve. I know when you do a bill pay it does not ask for your name, just account number but will paying the same account number on two different Serve account cause any problems with Serve or Barclays.
I haven't had an issue with that. I've paid the same CC from 3 diff Serve accounts.
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Old Jul 30, 14, 10:00 pm
  #5653  
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Originally Posted by IWOL View Post
Any issues paying the same credit card from 2 different Serve account?

I want pay my Barclay card from my Serve account as well as my girlfriends Serve. I know when you do a bill pay it does not ask for your name, just account number but will paying the same account number on two different Serve account cause any problems with Serve or Barclays.
I've been BPing the same CCs across 6 different BB/Serve (started off as all BB, been closing and transitioning them all to Serves) accounts since February. No problems here so far.
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Old Jul 30, 14, 10:08 pm
  #5654  
 
Join Date: Oct 2007
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Originally Posted by payeco View Post
Did you purchase this money pack @ CVS? Staples? Brand?
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Old Jul 30, 14, 10:17 pm
  #5655  
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Originally Posted by ual902 View Post
Did you purchase this money pack @ CVS? Staples? Brand?
RA before they started to be a PITA about MP CC purchases.
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