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 Aug 2, 14, 7:37 pm
  #5761  
 
Join Date: Aug 2003
Location: Chicago
Programs: AA UA Delta. HH Diamond, PC Platinum, Club Carlson Gold, Hyatt Diamond
Posts: 761
Originally Posted by payeco View Post
Yes but you need a second phone number for Isis to text the confirmation link to. Just call up a friend or family member and ask them to forward the text to you as soon as they get it. That person also has to be on the same carrier network as the one for the case and phone you're using.
After activated with the second case, we can no longer go back to use the first case, right?

Last edited by milemission; Aug 3, 14 at 1:35 am
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Old Aug 2, 14, 8:31 pm
  #5762  
 
Join Date: Dec 2013
Location: CMH
Posts: 483
Originally Posted by milemission View Post
What is MC? I loaded cash in my BB sometime, save me a trip to the bank.
money center. some WM have a special desk for BB loads, bill pays, check cashing, etc. Not combined with customer service desk.
canyoncar is offline  
Old Aug 2, 14, 11:04 pm
  #5763  
 
Join Date: Oct 2013
Posts: 252
For those who switched from Serve to ISIS Serve:

1- The Wiki says that it takes 7-10 business days to get the new Serve card. How long did it take for you?

2- When you register with Serve ISIS, can you use the same exact info (email, address, phone number), or do you have to change some of those, i.e., new email? Hopefully it is the same info.

3- It seems you need to wait for the new physical Serve card to add it to ISIS. Does your Serve limits increase right after you do this? Or does it take several days for Serve to update your account with the "ISIS limits"?

Thanks for any help. I'm trying to double dip this month

Last edited by andres17; Aug 2, 14 at 11:27 pm
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Old Aug 3, 14, 1:04 am
  #5764  
 
Join Date: Apr 2004
Location: CA
Posts: 1,065
I am using my data connection with NFC enabled. however I am NOT able to do the $500 limit each day I am still capped 200 a day . how do I get this to work
kaiotes is offline  
Old Aug 3, 14, 1:56 am
  #5765  
 
Join Date: Feb 2014
Posts: 109
Is serve loadable at walmart money center kiosks?
mohammadmoghimi is offline  
Old Aug 3, 14, 2:03 am
  #5766  
XP1
 
Join Date: Aug 2014
Posts: 282
Originally Posted by andres17 View Post
For those who switched from Serve to ISIS Serve:

1- The Wiki says that it takes 7-10 business days to get the new Serve card. How long did it take for you?
I signed up as a new Serve customer.

Card sent Friday. Card received following Monday or Tuesday. 4-5 days including weekdays.
XP1 is offline  
Old Aug 3, 14, 6:52 am
  #5767  
 
Join Date: Jul 2014
Posts: 3,665
For those who switched from Serve to ISIS Serve:

1- The Wiki says that it takes 7-10 business days to get the new Serve card. How long did it take for you?
DH closed his regular Serve account on a Saturday, applied through mobile Serve linked to ISIS wallet app on his phone and he got his physical card on Thursday so it took 5 days.

2- When you register with Serve ISIS, can you use the same exact info (email, address, phone number), or do you have to change some of those, i.e., new email? Hopefully it is the same info.
DH was adviced to use a different email addy and phone number by both verizon and serve CSRs. He did as instructed and succeeded in serve-isis set up. You can just set up another email addy and then once you're in, you can change your primary email to the one you frequently use. as to phone number, you have to use a different one or else you may get error message saying such number is already registered with them.
Mamibear is offline  
Old Aug 3, 14, 7:41 am
  #5768  
 
Join Date: Sep 2012
Location: Up In The Cloud
Programs: UA 1K MM; BA S, AA G; AS G; DL | SPG P50, M G, CC G, IHG P, HLT S | Hertz PC, Avis F
Posts: 629
I am thinking to convert from regular serve to ISIS serve next week now that I've loaded 5K already this month. I have a advanced TMoblie SIM card that supports ISIS but I don't have a compatible TMobile phone this moment. My goal is to have the increased 1.5K limit per month, not to use ISIS daily.

I am thinking to go to TMobile store when I am ready to switch and use their demo phone in store (with my SIM card) to register for ISIS. I have a few questions though:
  1. Does wifi work during sign up process, or do I have to use data connection?
  2. AFAIK, ISIS account is linked to SIM card. Do I have to use the mobile number of my SIM card to register for ISIS and Serve?.
  3. Do I still need the phone once I complete the sign up process? My goal is to have the 1.5K limit, not to use ISIS regularly.
  4. Are there any security concerns once I complete the sign up process and take out my SIM card?
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Old Aug 3, 14, 1:40 pm
  #5769  
XP1
 
Join Date: Aug 2014
Posts: 282
Originally Posted by cloudybw View Post
I am thinking to go to TMobile store when I am ready to switch and use their demo phone in store (with my SIM card) to register for ISIS. I have a few questions though:
  1. Does wifi work during sign up process, or do I have to use data connection?
No. You must have and use a data plan for Isis activation during registration. After registration, you can remove the data plan. The cheapest plan that includes a data plan is the $2 pay-by-the-day plan.

Originally Posted by cloudybw View Post
  1. AFAIK, ISIS account is linked to SIM card. Do I have to use the mobile number of my SIM card to register for ISIS and Serve?.
The mobile phone number is automatically added to the Isis and Serve account, if I recall.

Originally Posted by cloudybw View Post
  1. Are there any security concerns once I complete the sign up process and take out my SIM card?
Don't know, but you should remember to "Settings > Logout" of Isis wallet app before you remove your SIM card.
XP1 is offline  
Old Aug 3, 14, 4:58 pm
  #5770  
 
Join Date: May 2014
Posts: 47
Originally Posted by Mamibear View Post
fwiw, if I were you, and you'd like to keep that card especially if it doesn't have an AF, I'd throw in some regular spend rather than show a pattern of 'purchasing' from American Express Serve. you may get away with it for a certain time, but not for a long time.

if you have doubts it is going to cause a problem, trust your gut feel and plan ahead and be proactive.
Thanks, I have been loading with slightly different amounts ($199.61, $199.89, etc...), don't think I can completely get away with it, but I'd also throw in some monthly subscriptions, (Netflix, Spotify, etc.)
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Old Aug 3, 14, 5:00 pm
  #5771  
 
Join Date: Jul 2014
Location: philly
Posts: 85
Cash advance?

1>

Does every chase credot card load to serve, posted not a cash advance?

2>

Does Amex credit card can be load to serve without cash advance?

3>

I heard citi is posted as cash advance right?

4>

Can you send money to your friend and your friend right you a check and you deposit?

5>

can you load serve with one vanilla at wal mart or other store?

then where?
sandarap is offline  
Old Aug 3, 14, 5:18 pm
  #5772  
 
Join Date: Jan 2014
Posts: 1,183
Switching credit cards (from A to B back to A)

Has anyone switched from one card (A) to another (B) and then back to the first card (A)? Would Amex still have the original Drivers License and CC scan from the first verification on file, so you wouldn't have to provide it again, or would you have to re-upload the same documents a second time?
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Old Aug 3, 14, 5:26 pm
  #5773  
 
Join Date: Apr 2014
Location: SFO
Posts: 167
Originally Posted by LWT3 View Post
Has anyone switched from one card (A) to another (B) and then back to the first card (A)? Would Amex still have the original Drivers License and CC scan from the first verification on file, so you wouldn't have to provide it again, or would you have to re-upload the same documents a second time?
Did not do this but--I got email to UL my docs. Did so and also UL'd SO docs at same time. Called in and verified my docs and asked to verify SOs and was told it wasn't needed. This was his first Serve card and he was never asked to verify docs.

Several days later he closed Serve account and switched to an Isis/Serve account. Has successfully loaded $1500 this month with a NEW card (diff from used on old account) with no requirement for docs. Go figure... I'm mighty tempted to add a Buxx debit card but don't want to screw things up.
annhedonia is offline  
Old Aug 3, 14, 5:45 pm
  #5774  
 
Join Date: Apr 2013
Posts: 71
Originally Posted by sandarap View Post
1>

Does every chase credot card load to serve, posted not a cash advance?

2>

Does Amex credit card can be load to serve without cash advance?

3>

I heard citi is posted as cash advance right?

4>

Can you send money to your friend and your friend right you a check and you deposit?

5>

can you load serve with one vanilla at wal mart or other store?

then where?
You've posted this in multiple threads. All of these questions can be answered by reading the relevant threads here--in fact, more or all of these can be answered just be reading the wikis of the relevant threads.
jedck is offline  
Old Aug 3, 14, 5:47 pm
  #5775  
 
Join Date: Jan 2014
Posts: 1,183
Originally Posted by sandarap View Post
1>

Does every chase credot card load to serve, posted not a cash advance?

2>

Does Amex credit card can be load to serve without cash advance?

3>

I heard citi is posted as cash advance right?

4>

Can you send money to your friend and your friend right you a check and you deposit?

5>

can you load serve with one vanilla at wal mart or other store?

then where?
Most of your questions have been answered in the wiki.
LWT3 is offline  

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