Serve - Another Paypal/Amazon Payments.

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Old Jan 26, 15, 10:01 am   -   Wikipost
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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 Sep 10, 14, 5:00 pm
  #6541  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by stark4 View Post
So OV as a credit .. instead of Debit when loading to Serve is Hard Coded at ALL WM POS registers NationWide or only in few states? I was gonna try it at my NYC local WM but if it is Hard Coded then i'm not even gonna bother.
afaik, it's still YMMV and sometimes it works, sometimes it won't. you just have to try before you give up or you'll never find out.

It's like one of those times I saw signs posted on every register of a store that ALL ppgcs are cash only. I could've said and done nothing and just avoided that store but I realized that if their other branches allow CC payments, why not this one? So I wrote an email via their website and asked the COO if he will reconsider this policy enforced at this store. I had a pleasant surprise when days later, they took the signs down which was a clue for me that they read my email and the COO acted on it in my favor. I also got email from the store manager apologizing for the inconvinience and got a $20 store GC as an act of goodwill. Now, I'm a happy camper and possibly all the others who buy GCs from this store IF they know the policy has been revised.
Mamibear is offline  
Old Sep 10, 14, 5:12 pm
  #6542  
 
Join Date: Aug 2013
Posts: 415
Originally Posted by estancergist View Post
I ordered one from the ISIS website 2 months ago and have yet to receive it. The only contact info they have is for T-mobile (and they were unable to help after 2 sessions of 30-45min on the phone). Since I'm unable to get them in stores either, I tried placing another order online 2 days ago... we'll see.


I think you have to have the data plan to set it up since it doesn't work on wifi ($3 per day), but not being able to get the SIM card I haven't tried yet.

When I was on the phone with T-mobile for other reasons the rep added a complimentary $3 on to my account. This was after I complained about not being able to setup the online account without paying for a day of service since it requires a text message verification.
I know that you have to have Data set up, I'm just saying that I don't see a way to get a balance of just a few dollars. you think calling them will do the trick?
ttlmmky is offline  
Old Sep 10, 14, 5:22 pm
  #6543  
 
Join Date: Sep 2012
Posts: 4,337
I'm still undecided if I should change my BB to Serve. The main reason I'm hesitating is because I've been using my PP Debit MC to fund $1000 to my BB online every month for a while, and I've read several reports of people with BB or Serve that reject PP Debit MC. I created a BB account for my family member and tried to use her PPDMC (same name) to load online debit, and it wouldn't take. I don't know if mine got grandfathered in, but I'm afraid that if I create a new account, I'll lose this method of liquidating my PP account. What are your thoughts on this? Any data points on NEW Serve accounts accepting or rejecting PP Debit MC for online debit loads?
DaveInLA is offline  
Old Sep 10, 14, 6:50 pm
  #6544  
 
Join Date: Sep 2012
Location: Florida
Posts: 445
I have Serve with ISIS (softcard). I was finally able to link a credit card to my Serve account (after numerous failed attempts). Upon doing so, the Serve website said I was able to load 1k per month. The CSR told me that in order to load 1.5k/month I had to load via ISIS. I don't think this is true...and I also don't know how to load money via ISIS. What do I have to do to be able to load 1.5k/month?
MilesGator is offline  
Old Sep 10, 14, 6:55 pm
  #6545  
 
Join Date: Jun 2012
Posts: 109
I am sure this has been answered before, but I just could not find it. Is it OK to load the Serve online with a credit card and then pay bill to the same credit card? Will Serve shut me down for doing this? It is only 1K per month, I don't want to risk of losing Serve.
adobe is offline  
Old Sep 10, 14, 7:13 pm
  #6546  
 
Join Date: Apr 2014
Posts: 1,269
Originally Posted by MilesGator View Post
I have Serve with ISIS (softcard). I was finally able to link a credit card to my Serve account (after numerous failed attempts). Upon doing so, the Serve website said I was able to load 1k per month. The CSR told me that in order to load 1.5k/month I had to load via ISIS. I don't think this is true...and I also don't know how to load money via ISIS. What do I have to do to be able to load 1.5k/month?
You can load with Isis but not from a credit card. At least I've never been able to do so. Online loads are done on the website. You can do three daily loads for $500 each but change the amount first.
ZzzzX is offline  
Old Sep 10, 14, 7:17 pm
  #6547  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by DaveInLA View Post
I'm still undecided if I should change my BB to Serve. The main reason I'm hesitating is because I've been using my PP Debit MC to fund $1000 to my BB online every month for a while, and I've read several reports of people with BB or Serve that reject PP Debit MC. I created a BB account for my family member and tried to use her PPDMC (same name) to load online debit, and it wouldn't take. I don't know if mine got grandfathered in, but I'm afraid that if I create a new account, I'll lose this method of liquidating my PP account. What are your thoughts on this? Any data points on NEW Serve accounts accepting or rejecting PP Debit MC for online debit loads?
Stick with what works for you.
ericdabbs is offline  
Old Sep 10, 14, 7:28 pm
  #6548  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by MilesGator View Post
I have Serve with ISIS (softcard). I was finally able to link a credit card to my Serve account (after numerous failed attempts). Upon doing so, the Serve website said I was able to load 1k per month. The CSR told me that in order to load 1.5k/month I had to load via ISIS. I don't think this is true...and I also don't know how to load money via ISIS. What do I have to do to be able to load 1.5k/month?
First, you have to determine what you have: is it a regular Serve or a Serve-Softcard account? if you registered via laptop/desktop, you likely have a regular Serve account. Take note that even if later, you link your card to SC wallet, it will not convert your account to a Serve-SC. For you to have a Serve-SC you must register at Softcard via app and then go to the link to register for a Serve acct via mobile Serve. In other words, this is done on your phone and once registration is complete, you will have a Serve-SC account. From there onward, you can use your laptop/desktop to do business and can do an initial load of $200 until you receive your physical card which once you activate it, you can start loading $500 per day using CC up to $1500 a month.
Mamibear is offline  
Old Sep 10, 14, 7:44 pm
  #6549  
 
Join Date: Jun 2014
Posts: 25
Originally Posted by adobe View Post
I am sure this has been answered before, but I just could not find it. Is it OK to load the Serve online with a credit card and then pay bill to the same credit card? Will Serve shut me down for doing this? It is only 1K per month, I don't want to risk of losing Serve.
don't pay bill the same credit card you used to load serve. pay any other (credit cards) bills
uTalk is offline  
Old Sep 10, 14, 8:00 pm
  #6550  
 
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,573
Originally Posted by uTalk View Post
don't pay bill the same credit card you used to load serve. pay any other (credit cards) bills
This isn't true, there is no problem paying the CC you load with.
heyeaglefn is offline  
Old Sep 10, 14, 9:36 pm
  #6551  
 
Join Date: Jun 2014
Posts: 25
it's a safely suggestion
nobody forces you to do anything you dislike
uTalk is offline  
Old Sep 10, 14, 9:47 pm
  #6552  
 
Join Date: Dec 2013
Posts: 260
Originally Posted by uTalk View Post
don't pay bill the same credit card you used to load serve. pay any other (credit cards) bills

Best suggestion is to mix the spend abit. Let's say you loaded $1000 into serve, then add a few gas and McD thrown in then it should be ok as it will not look like it's only the serve load you are paying off. But if you only load serve and only pay off the load every month then this might catch their attention.
tomcanada22 is offline  
Old Sep 10, 14, 9:55 pm
  #6553  
 
Join Date: Apr 2014
Posts: 1,269
I pay as many bills as possible. Then I add CC bills.
ZzzzX is offline  
Old Sep 10, 14, 10:11 pm
  #6554  
 
Join Date: Jun 2014
Posts: 10
Originally Posted by Biggie Fries View Post
Serve never seems to tell you when or if the payment was sent/delivered/cashed ...

So if the payee is not showing receipt, how do you (I) try to convince them that the check was actually sent? Or do you just wait until you are dinged with a late fee, then send it to Serve and ask, "So now will you tell me how it is that you think you actually paid them?" Does not seem like a promising strategy.
This seems like an important question that I haven't seen discussed.

I BP'd my landlord on 8/26 and he claims to have never received the check. I was able to write him a personal check, and a hard-to-understand CSR told me something about a 14 day waiting period/investigation. I decided to wait on that for check to show. It hasn't, and now I want my money back from serve.

Are other people experiencing lost payments? How difficult is it to resolve?
ellingwood is offline  
Old Sep 10, 14, 10:38 pm
  #6555  
 
Join Date: Sep 2012
Location: Florida
Posts: 445
Originally Posted by Mamibear View Post
First, you have to determine what you have: is it a regular Serve or a Serve-Softcard account? if you registered via laptop/desktop, you likely have a regular Serve account. Take note that even if later, you link your card to SC wallet, it will not convert your account to a Serve-SC. For you to have a Serve-SC you must register at Softcard via app and then go to the link to register for a Serve acct via mobile Serve. In other words, this is done on your phone and once registration is complete, you will have a Serve-SC account. From there onward, you can use your laptop/desktop to do business and can do an initial load of $200 until you receive your physical card which once you activate it, you can start loading $500 per day using CC up to $1500 a month.
Mamibear, first I want to say Thanks! You've jumped in and answered a few of my questions in the past and I really appreciate it.

I definitely have a Serve_Softcard account (when I signed up it was ISIS). I signed up via the app and even received a $25 credit to my Serve account. After initially getting the physical card, I kept getting error messages trying to add my Arrival card as a funding source on the Serve website. Fast-forward a month and a half (I was busy going on vacations and getting engaged), I finally called Serve today to get them to add my Arrival. The CSR successfully added the card. However, after she set it up I was looking at the website and it mentioned the $200/day_$1k/month load limits. When I inquired with the CSR she told me "you have to load using a credit card via ISIS (softcard) to be able to load $500". This seemed inaccurate to me.

My main question is, despite what the Serve website/CSR says am I able to load $500/day_$1.5k/month via the Serve website?

My guess is that the Serve website isn't smart enough to recognize that I have softcard and hence is telling me the $1k/month limits. Really was just looking for verification that this is true. I'm going to try loading $500 tomorrow via the Serve website, so I guess I'll figure it out on my own. But if I'm not able to load $500 tomorrow via the Serve website, I was hoping to figure out how I go about doing it.
MilesGator is offline  

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