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Old Oct 25, 2013, 11:21 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: JAXBA
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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Serve - Another Paypal/Amazon Payments.

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Old Aug 22, 2014, 10:38 pm
  #6241  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Originally Posted by miadeals
OK I FIGURED IT OUT - for those of us who live in APARTMENTS!

That was the problem!

So, this is what Barclays does: You give them your home address, like 1234 Main St, Apt 999.
This issue has been discussed in the Buxx thread as all Buxx cards require the funding CC address matches the EXACT same address as the Buxx account.

Barclays system put the Apt as first line, no matter how you rearrange your address. Hence it fails. Put everything on one line and problem solves.

The EASIEST way to fix it is to update your Barclays card address to just ONE single line as the following:

Street number, Street name, Apt number
City, State, zip

Credit card verification only check the 1st address line.

You dont want your Serve card and your Barclays card have addresses that do not reflect your true address but the "fix" you found, created phony address on both sides. That may make the card linked to your Serve card, but if anything later needs the correct address, it would be an issue.

The single line address is a better solution.

Last edited by Happy; Aug 22, 2014 at 10:43 pm
Happy is offline  
Old Aug 23, 2014, 3:41 am
  #6242  
 
Join Date: Aug 2014
Posts: 394
Originally Posted by Happy
This issue has been discussed in the Buxx thread as all Buxx cards require the funding CC address matches the EXACT same address as the Buxx account.

Barclays system put the Apt as first line, no matter how you rearrange your address. Hence it fails. Put everything on one line and problem solves.

The EASIEST way to fix it is to update your Barclays card address to just ONE single line as the following:

Street number, Street name, Apt number
City, State, zip

Credit card verification only check the 1st address line.

You dont want your Serve card and your Barclays card have addresses that do not reflect your true address but the "fix" you found, created phony address on both sides. That may make the card linked to your Serve card, but if anything later needs the correct address, it would be an issue.

The single line address is a better solution.
Here's the thing though: I tried using the exact same single first line, as it is in my Barclay's profile, and it failed. IE, I put "Apt 999" and it failed. So copying the first line doesn't seem to work. As I found out, it only checks the first word/number on the first line, not the whole first line. I wouldn't be surprised if someone with "1234 main st" was able to just put in "1234" as their entire address.

I mean, it could be more complicated than that, but that's what I found out so far.

Anyways, I'll try to put everything on one line, and see what happens. But now, it let's me load - I think it only checks the address on the first time you try to "link" the card, and now you could have any address in there you want.
miadeals is offline  
Old Aug 23, 2014, 5:30 am
  #6243  
 
Join Date: Jan 2014
Posts: 25
Loading Serve...

After reading through FT for months, I finally took the step into the realm of practice and got a Serve account and did couple of loads with CC. It was a daunting first step!! Thanks for all the help that were in the posts.

I am still struggling with a question and cannot seem to get my head clear. One of my main intent is to pay Mortgage via Serve,and get some points. The Mortgage is more than $1K load limit on Serve via CC. I know that the answers are interspersed through this thread, and I do apologize for asking it: what is a good way to load Serve beyond $1K and also *get points*. Possibilities I can think of are:

1. VGC (incurs upfront cost to buy them) & assuming that can be loaded at WM as a debit card. True? (I get the points on the CC I purchase VGC's on);
2. Ask spouse to open another Serve account; load via her CC; and transfer some funds to me (no upfront cost; I do not get points but family as a whole does);
3. Is Amazon Payment an option? Transfer from AM to Serve? Guessing not?
4. Any other?

Will appreciate the guidance/thoughts.
AK321 is offline  
Old Aug 23, 2014, 6:02 am
  #6244  
 
Join Date: May 2014
Posts: 193
Originally Posted by AK321
After reading through FT for months, I finally took the step into the realm of practice and got a Serve account and did couple of loads with CC. It was a daunting first step!! Thanks for all the help that were in the posts.

I am still struggling with a question and cannot seem to get my head clear. One of my main intent is to pay Mortgage via Serve,and get some points. The Mortgage is more than $1K load limit on Serve via CC. I know that the answers are interspersed through this thread, and I do apologize for asking it: what is a good way to load Serve beyond $1K and also *get points*. Possibilities I can think of are:

1. VGC (incurs upfront cost to buy them) & assuming that can be loaded at WM as a debit card. True? (I get the points on the CC I purchase VGC's on);
2. Ask spouse to open another Serve account; load via her CC; and transfer some funds to me (no upfront cost; I do not get points but family as a whole does);
3. Is Amazon Payment an option? Transfer from AM to Serve? Guessing not?
4. Any other?

Will appreciate the guidance/thoughts.
Any of those will work.
Peridot83 is offline  
Old Aug 23, 2014, 6:07 am
  #6245  
 
Join Date: May 2014
Location: PHL
Programs: SW CP, SPG Gold, Hilton Gold
Posts: 571
Originally Posted by AK321
After reading through FT for months, I finally took the step into the realm of practice and got a Serve account and did couple of loads with CC. It was a daunting first step!! Thanks for all the help that were in the posts.

I am still struggling with a question and cannot seem to get my head clear. One of my main intent is to pay Mortgage via Serve,and get some points. The Mortgage is more than $1K load limit on Serve via CC. I know that the answers are interspersed through this thread, and I do apologize for asking it: what is a good way to load Serve beyond $1K and also *get points*. Possibilities I can think of are:

1. VGC (incurs upfront cost to buy them) & assuming that can be loaded at WM as a debit card. True? (I get the points on the CC I purchase VGC's on);
2. Ask spouse to open another Serve account; load via her CC; and transfer some funds to me (no upfront cost; I do not get points but family as a whole does);
3. Is Amazon Payment an option? Transfer from AM to Serve? Guessing not?
4. Any other?

Will appreciate the guidance/thoughts.
My advice would be not to mix MS and your mortgage. Simply pay the CC directly.
ftomasze is offline  
Old Aug 23, 2014, 7:31 am
  #6246  
 
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Post Went to Family Dollar to load Serve with VGC but was told i can only do so with cash

Basically, i went to a Family Dollar store a couple of days ago and loaded my Serve card with a Vanilla GC debit, it worked fine. Went there yesterday to do the same, it was the same cashier. After i asked to reload my Serve, he then asked me how much i wanted on the card, i told him $200. He then walks away to talk to his manager, returns and tells me that "he's going to take my debit the last time for the transaction" and next time, i'll have to bring cash. I was going to argue with him and tell him a piece of my mind, but i didn't even bother. I just said okay and left. Seems to me like he made that rule up himself, because they registers work just fine. Do ask him to call a manager next time or is he right about not being allowed to load Serve with a debit card?
Membersince2013 is offline  
Old Aug 23, 2014, 7:43 am
  #6247  
 
Join Date: Dec 2013
Posts: 506
You should post in the main serve thread: http://www.flyertalk.com/forum/manuf...-payments.html

arguing would've got you nowhere btw, so you made the right choice to not do that.
canyoncar is offline  
Old Aug 23, 2014, 7:55 am
  #6248  
 
Join Date: Apr 2014
Posts: 1,273
Originally Posted by AK321
After reading through FT for months, I finally took the step into the realm of practice and got a Serve account and did couple of loads with CC. It was a daunting first step!! Thanks for all the help that were in the posts.

I am still struggling with a question and cannot seem to get my head clear. One of my main intent is to pay Mortgage via Serve,and get some points. The Mortgage is more than $1K load limit on Serve via CC. I know that the answers are interspersed through this thread, and I do apologize for asking it: what is a good way to load Serve beyond $1K and also *get points*. Possibilities I can think of are:

1. VGC (incurs upfront cost to buy them) & assuming that can be loaded at WM as a debit card. True? (I get the points on the CC I purchase VGC's on);
2. Ask spouse to open another Serve account; load via her CC; and transfer some funds to me (no upfront cost; I do not get points but family as a whole does);
3. Is Amazon Payment an option? Transfer from AM to Serve? Guessing not?
4. Any other?

Will appreciate the guidance/thoughts.
I'm careful with our mortgage--that's the last thing I want to go wrong. But, I use BB for paying it and several other bills, including CC. I'm shifting all of this to serve now. But--you never want money tied up that can't float for a few months, if something goes wrong with an account. I don't load and unload. I don't rely on WM loads to be always available. Keep an eye on things as you do this, in other words. And yes, all that you listed should work.
ZzzzX is offline  
Old Aug 23, 2014, 8:07 am
  #6249  
 
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Went to Family Dollar to load Serve with VGC but was told i can only do so with cash

Basically, i went to a Family Dollar store a couple of days ago and loaded my Serve card with a Vanilla GC debit, it worked fine. Went there yesterday to do the same, it was the same cashier. After i asked to reload my Serve, he then asked me how much i wanted on the card, i told him $200. He then walks away to talk to his manager, returns and tells me that "he's going to take my debit the last time for the transaction" and next time, i'll have to bring cash. I was going to argue with him and tell him a piece of my mind, but i didn't even bother. I just said okay and left. Seems to me like he made that rule up himself, because the registers work just fine. Do i ask him to call a manager next time or is he right about not being allowed to load Serve with a debit card? It seems like he only did that because he noticed i came in to load the same amount before.
Membersince2013 is offline  
Old Aug 23, 2014, 8:14 am
  #6250  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by AK321
After reading through FT for months, I finally took the step into the realm of practice and got a Serve account and did couple of loads with CC. It was a daunting first step!! Thanks for all the help that were in the posts.

I am still struggling with a question and cannot seem to get my head clear. One of my main intent is to pay Mortgage via Serve,and get some points. The Mortgage is more than $1K load limit on Serve via CC. I know that the answers are interspersed through this thread, and I do apologize for asking it: what is a good way to load Serve beyond $1K and also *get points*. Possibilities I can think of are:

1. VGC (incurs upfront cost to buy them) & assuming that can be loaded at WM as a debit card. True? (I get the points on the CC I purchase VGC's on);
2. Ask spouse to open another Serve account; load via her CC; and transfer some funds to me (no upfront cost; I do not get points but family as a whole does);
3. Is Amazon Payment an option? Transfer from AM to Serve? Guessing not?
4. Any other?

Will appreciate the guidance/thoughts.
will the mortgage company accept CC as payment? if yes and they won't add a surcharge, you're better off paying them directly with your CC. you will still earn your points/miles/CB depending on the CC you use. if no, I understand why you are looking for a way to pay them and squeeze something out of the payment. Our life insurance policies are paid annually and they will not accept CC payments, just auto bank drafts. When I opened Serve-I, I was able to do B/P thereby going around their policy that earned me miles.

#2 will work, but if you do it regularly, I'm not sure if that won't raise the red flag. as always, follow your gut feel and when you feel/think that the company may be suspicious, stop.
#3 I'm not sure about this option
Mamibear is offline  
Old Aug 23, 2014, 8:24 am
  #6251  
 
Join Date: Jan 2012
Location: Georgia
Programs: Delta Platinum, Bonvoy Titanium Elite, Hertz President's Circle
Posts: 105
Family Dollar and Serve

I went to a FD one day this past week and the Manager whipped out a piece of paper from above the register and indicated VDGC were no longer accepted. I proceeded to another store and loaded with no problems. This ride may be coming to an end as well!


Originally Posted by Membersince2013
Basically, i went to a Family Dollar store a couple of days ago and loaded my Serve card with a Vanilla GC debit, it worked fine. Went there yesterday to do the same, it was the same cashier. After i asked to reload my Serve, he then asked me how much i wanted on the card, i told him $200. He then walks away to talk to his manager, returns and tells me that "he's going to take my debit the last time for the transaction" and next time, i'll have to bring cash. I was going to argue with him and tell him a piece of my mind, but i didn't even bother. I just said okay and left. Seems to me like he made that rule up himself, because the registers work just fine. Do i ask him to call a manager next time or is he right about not being allowed to load Serve with a debit card? It seems like he only did that because he noticed i came in to load the same amount before.
zornoff is offline  
Old Aug 23, 2014, 8:50 am
  #6252  
 
Join Date: Jul 2014
Posts: 17
You ever think to maybe going in at a different time?

If it doesn't work than move on, don't ruin it for everyone else who uses that FD.
hiro905 is offline  
Old Aug 23, 2014, 9:29 am
  #6253  
 
Join Date: Sep 2013
Location: PIT-SCE-AOO-PHL-NYC-WAS
Programs: free agent
Posts: 1,036
two questions -
Send $200 from my CC to a trusted family member's Serve account require me to register family member's name as authorized user to let this go through?

DC WM doesn't have Kate, so will this become an issue if i give trusted family member's serve card to cashier to reload some SMGC? or should I try self-serve kiosks?
washeelers747 is offline  
Old Aug 23, 2014, 11:00 am
  #6254  
 
Join Date: Mar 2014
Posts: 226
Originally Posted by Putt86
two questions -
Send $200 from my CC to a trusted family member's Serve account require me to register family member's name as authorized user to let this go through?

DC WM doesn't have Kate, so will this become an issue if i give trusted family member's serve card to cashier to reload some SMGC? or should I try self-serve kiosks?
Self-checkout (if that's what you're referring to) can't be used to load Serve/BB.

I'm also in DC and I'd be very careful about using someone else's Serve/BB card to the cashier. I had been doing this at both WMs here and in the last two weeks I've had multiple cashiers ask to see the Serve card, the debit card I'm using, and my ID.
dboston1 is offline  
Old Aug 23, 2014, 11:03 am
  #6255  
 
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,675
Originally Posted by Putt86
two questions -
Send $200 from my CC to a trusted family member's Serve account require me to register family member's name as authorized user to let this go through?

DC WM doesn't have Kate, so will this become an issue if i give trusted family member's serve card to cashier to reload some SMGC? or should I try self-serve kiosks?
Online loads are supposed to only be from the primary cardholder. It almost certainly will not work if you try to use a card in your name to load someone else's Serve card online. Registering your family member as an authorized user may work (other FT threads suggest YMMV).

Loading some else's card in the store will probably be fine. They don't usually check ID when loading Serve.

Last edited by ChrisFlyer66; Aug 23, 2014 at 11:05 am Reason: fix formatting
ChrisFlyer66 is offline  


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