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.
===

People with an apartment address can find helpful information quoted in post #8530
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Old Apr 3, 11, 2:15 pm
  #46  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by QL_714 View Post
Keep good records for when they issue a 1099.
Don't see how they could issue a 1099. You are just paying for goods and services like PayPal. Serve is not "giving" you miles or anything else.
deant is offline  
Old Apr 3, 11, 3:47 pm
  #47  
sgb
 
Join Date: Mar 2005
Posts: 74
I am at level 2 (1000/day limit) but I can't seem to get a $500 credit card transaction through. Every time it seems to let me send the money, but when the other party tries to accept it, there's a message that this transaction cannot be processed at this time, and it gets canceled. The last time I did that, there was a pending $500 charge on my card, so I am not sure what is happening here.
sgb is offline  
Old Apr 3, 11, 3:56 pm
  #48  
 
Join Date: Jul 2010
Programs: UA, AA, SPG, HH
Posts: 558
Originally Posted by deant View Post
Don't see how they could issue a 1099. You are just paying for goods and services like PayPal. Serve is not "giving" you miles or anything else.
QL isn't referring to the Citi AA banking debacle.

He is talking about a provision in the recent financial reform bill that says all payment processors (i.e. Paypal, Serve, Etc) must issue 1099's to anyone that receives over $20,000 in payments AND 200 payments in a calendar year.

There is debate (and no one knows the answer) on whether or not payment processors will go above and beyond and elect to report people that do not cross this threshold despite the fact that they are not required to do so. All we know is that they must report people that do cross the above mentioned thresholds...
HoKo is offline  
Old Apr 3, 11, 5:39 pm
  #49  
 
Join Date: Sep 2009
Posts: 1,758
Originally Posted by HoKo View Post
QL isn't referring to the Citi AA banking debacle.

He is talking about a provision in the recent financial reform bill that says all payment processors (i.e. Paypal, Serve, Etc) must issue 1099's to anyone that receives over $20,000 in payments AND 200 payments in a calendar year.

There is debate (and no one knows the answer) on whether or not payment processors will go above and beyond and elect to report people that do not cross this threshold despite the fact that they are not required to do so. All we know is that they must report people that do cross the above mentioned thresholds...
Thank you for spelling it out. Too many members go into these types of deals blindly.
QL_714 is offline  
Old Apr 3, 11, 6:56 pm
  #50  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by sgb View Post
I am at level 2 (1000/day limit) but I can't seem to get a $500 credit card transaction through. Every time it seems to let me send the money, but when the other party tries to accept it, there's a message that this transaction cannot be processed at this time, and it gets canceled. The last time I did that, there was a pending $500 charge on my card, so I am not sure what is happening here.
Have both parties validated their email and bank accounts? I had a similar thing happen and validating all the information solved the problem.
deant is offline  
Old Apr 3, 11, 6:58 pm
  #51  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by HoKo View Post
QL isn't referring to the Citi AA banking debacle.

He is talking about a provision in the recent financial reform bill that says all payment processors (i.e. Paypal, Serve, Etc) must issue 1099's to anyone that receives over $20,000 in payments AND 200 payments in a calendar year.

There is debate (and no one knows the answer) on whether or not payment processors will go above and beyond and elect to report people that do not cross this threshold despite the fact that they are not required to do so. All we know is that they must report people that do cross the above mentioned thresholds...
I remember hearing about that somewhere. However I am just using it and Amazon to minimum spend and Diamond qualification spending.
deant is offline  
Old Apr 5, 11, 7:12 am
  #52  
sgb
 
Join Date: Mar 2005
Posts: 74
Originally Posted by deant View Post
Have both parties validated their email and bank accounts? I had a similar thing happen and validating all the information solved the problem.
Yes, both parties have their accounts validated. That isn't the problem. I sent them an email and got back the reply that you can fund your account through ACH for up to $1000 a day, and through credit card for up to $100 a day only (upto 30 transfers a month). Seems like too much work. Does funding your account first through credit card get treated as a cash advance? When I tried to do that, it gave me a warning that the credit card company might treat it that way, but wasn't sure if that was actually the case.
sgb is offline  
Old Apr 5, 11, 9:04 am
  #53  
 
Join Date: Sep 2009
Programs: *G, SPG, OW Sapphire
Posts: 2,563
Originally Posted by sgb View Post
Does funding your account first through credit card get treated as a cash advance?
Its probably a YMMV situation depending on the card. Check your CC statement.
johndeere19 is offline  
Old Apr 5, 11, 4:37 pm
  #54  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by sgb View Post
Yes, both parties have their accounts validated. That isn't the problem. I sent them an email and got back the reply that you can fund your account through ACH for up to $1000 a day, and through credit card for up to $100 a day only (upto 30 transfers a month). Seems like too much work. Does funding your account first through credit card get treated as a cash advance? When I tried to do that, it gave me a warning that the credit card company might treat it that way, but wasn't sure if that was actually the case.
For me, I just charged the payment to my CC without putting the money in the Serve account first (zero balance in Serve, use backup funding). Max is the $1K I believe. For an AMEX billing it came through as the following:


Deleted WWW.REVOLUTIONMONEYEX
WWW.REVOLUTIONMONEYEXCHAN
Doing Business As: SERVE VIRTUAL ENT INC
Merchant Address: 11TH FLOOR
200 CENTRAL AVE
ST PETERSBURG
FL
SAINT PETERSBURG
33701
UNITED STATES
Reference Number: Deleted
Dispute/Inquire about this charge
Category: Business Services - Internet Services

Bottom line, it is charged as a purchase of services.

The only problem so far is that it does seem to take 3-4 business days to transfer from the Serve account to your checking account.
deant is offline  
Old Apr 5, 11, 4:44 pm
  #55  
 
Join Date: Apr 2000
Location: Fort Myers, FL
Programs: Hilton Gold, SPG & IHG Plat, & every airline program that I can join
Posts: 2,274
I tried to sign up with my email and it said I already had an account and found out that it was from the old Revolution account. Even though it reset my password, it still gives me errors so trying to get it sorted out.
Question is if I just want to send from my credit card to Mom's bank account, do I add her as a sub account from a different computer? I don't want the hassle of going back and forth on this one, I just figure after using the debit card from her account (I am on it too) for the Wallyworld miles, this would be a way to get the money back into her account. I am assuming that somehow she would need to set up an account to receive? Am I going about this the right way?
Cheers!

JudyJFLA
JudyJFLA is offline  
Old Apr 5, 11, 7:07 pm
  #56  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by JudyJFLA View Post
I tried to sign up with my email and it said I already had an account and found out that it was from the old Revolution account. Even though it reset my password, it still gives me errors so trying to get it sorted out.
Question is if I just want to send from my credit card to Mom's bank account, do I add her as a sub account from a different computer? I don't want the hassle of going back and forth on this one, I just figure after using the debit card from her account (I am on it too) for the Wallyworld miles, this would be a way to get the money back into her account. I am assuming that somehow she would need to set up an account to receive? Am I going about this the right way?
Cheers!

JudyJFLA
She will need to set up a separate account - not a sub account.
deant is offline  
Old Apr 5, 11, 8:22 pm
  #57  
sgb
 
Join Date: Mar 2005
Posts: 74
Originally Posted by deant View Post
For me, I just charged the payment to my CC without putting the money in the Serve account first (zero balance in Serve, use backup funding). Max is the $1K I believe. For an AMEX billing it came through as the following:


Deleted WWW.REVOLUTIONMONEYEX
WWW.REVOLUTIONMONEYEXCHAN
Doing Business As: SERVE VIRTUAL ENT INC
Merchant Address: 11TH FLOOR
200 CENTRAL AVE
ST PETERSBURG
FL
SAINT PETERSBURG
33701
UNITED STATES
Reference Number: Deleted
Dispute/Inquire about this charge
Category: Business Services - Internet Services

Bottom line, it is charged as a purchase of services.

The only problem so far is that it does seem to take 3-4 business days to transfer from the Serve account to your checking account.

Did you do it has a purchase, or personal transfer?

Thanks.
sgb is offline  
Old Apr 5, 11, 9:01 pm
  #58  
 
Join Date: Dec 2010
Posts: 133
I did the same thing and did it as a purchase without any trouble
robbiesam is offline  
Old Apr 5, 11, 9:08 pm
  #59  
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Purchase.
deant is offline  
Old Apr 6, 11, 2:03 am
  #60  
 
Join Date: Apr 2000
Location: Fort Myers, FL
Programs: Hilton Gold, SPG & IHG Plat, & every airline program that I can join
Posts: 2,274
Thanks, Also had an email from them that I had to close the Revolution account and then it allowed me to open the serve account with no problem.


JudyJFLA
JudyJFLA is offline  

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