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 Sep 11, 14, 7:57 pm
  #6586  
 
Join Date: Oct 2012
Posts: 207
Originally Posted by ericdabbs View Post
Why would it be part of the 4th quarter category bonus? Are you sure you are in the right thread and not talking about AP?
The 4th quarter bonus is for online shopping. AP is traditionally considered online shopping my Discover. I am wondering if it will treat Serve load as online shopping too.
cyclotron is offline  
Old Sep 11, 14, 7:57 pm
  #6587  
 
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,573
Originally Posted by ericdabbs View Post
Why would it be part of the 4th quarter category bonus? Are you sure you are in the right thread and not talking about AP?
4th Quarter bonus is Internet Purchases for Discover. Online load of Serve should work.
heyeaglefn is online now  
Old Sep 11, 14, 8:03 pm
  #6588  
 
Join Date: Jul 2013
Posts: 19
Chase INK Bold load to Serve - this is wierd

Three days ago I on-line funded my Serve account with $200.00 drawn from my Chase INK Bold. The transaction immediately showed up as pending transaction on the Chase INK Bold (which I think is normal), but the next day the TRANSACTION HAS DISAPPEARED at the Chase INK side. On the Serve side it is still showing the $200.00.

Has anyone ever seen this before?

I just funded another $200.00 and again it shows up at the Chase INK Bold side as a pending transaction.

Also, in the Wiki, it states that on line funding from Chase CC's will be considered as a purchase and NOT a cash advance. Does anyone disagree with this claim?

Also, it's weird that I would misspell weird.

Last edited by hermosatrout; Sep 11, 14 at 8:07 pm Reason: It's weird that I would misspell weird.
hermosatrout is offline  
Old Sep 11, 14, 8:13 pm
  #6589  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by hermosatrout View Post
Three days ago I on-line funded my Serve account with $200.00 drawn from my Chase INK Bold. The transaction immediately showed up as pending transaction on the Chase INK Bold (which I think is normal), but the next day the TRANSACTION HAS DISAPPEARED at the Chase INK side. On the Serve side it is still showing the $200.00.

Has anyone ever seen this before?

I just funded another $200.00 and again it shows up at the Chase INK Bold side as a pending transaction.

Also, in the Wiki, it states that on line funding from Chase CC's will be considered as a purchase and NOT a cash advance. Does anyone disagree with this claim?

Also, it's weird that I would misspell weird.
The transaction will come back. Dont think you got away with a free $200. Your available balance should be reflected with the $200 deducted. I am seeing that with my staples purchases.
ericdabbs is offline  
Old Sep 11, 14, 8:15 pm
  #6590  
 
Join Date: Jun 2014
Posts: 10
Originally Posted by hermosatrout View Post
Three days ago I on-line funded my Serve account with $200.00 drawn from my Chase INK Bold. The transaction immediately showed up as pending transaction on the Chase INK Bold (which I think is normal), but the next day the TRANSACTION HAS DISAPPEARED at the Chase INK side. On the Serve side it is still showing the $200.00.

Has anyone ever seen this before?
I saw this last month. The charges eventually reposted on the Chase side of things and were purchases, not cash advance.
ellingwood is offline  
Old Sep 11, 14, 9:06 pm
  #6591  
 
Join Date: Jul 2013
Posts: 19
Originally Posted by ellingwood View Post
I saw this last month. The charges eventually reposted on the Chase side of things and were purchases, not cash advance.
Thanks for confirming ellingwood.
hermosatrout is offline  
Old Sep 11, 14, 9:27 pm
  #6592  
 
Join Date: Jun 2013
Posts: 10
Originally Posted by tys90 View Post
Trying to add a payee and I keep getting this error:



No matter what I put in that field, it doesn't accept it. Any ideas? Did a search in the thread and found nothing.

EDIT: Putting in the full 9 digit zip code got me past this error. Doesn't make sense but oh well.
Thank you.
Just had the same problem and finding this helped.
DJBlueBird is offline  
Old Sep 11, 14, 10:34 pm
  #6593  
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Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 945
Originally Posted by ericdabbs View Post
The transaction will come back. Dont think you got away with a free $200. Your available balance should be reflected with the $200 deducted. I am seeing that with my staples purchases.
Bold doesn't have a visible credit limit, so he wouldn't see anything.

All Chase Ink cards do this disappearing trick. It's nothing new, if folks check into the appropriate threads in the Chase forum. (Crazy idea, I know!)
sechs is offline  
Old Sep 11, 14, 10:38 pm
  #6594  
 
Join Date: Jul 2014
Posts: 37
Originally Posted by hermosatrout View Post
Three days ago I on-line funded my Serve account with $200.00 drawn from my Chase INK Bold. The transaction immediately showed up as pending transaction on the Chase INK Bold (which I think is normal), but the next day the TRANSACTION HAS DISAPPEARED at the Chase INK side. On the Serve side it is still showing the $200.00.

Has anyone ever seen this before?

I just funded another $200.00 and again it shows up at the Chase INK Bold side as a pending transaction.

Also, in the Wiki, it states that on line funding from Chase CC's will be considered as a purchase and NOT a cash advance. Does anyone disagree with this claim?

Also, it's weird that I would misspell weird.
1) Ink is strange in that transactions disappear from your activity for 24-48 hours before they post. I confirmed with a CSR that this is normal, there is no way to change it and it doesn't happen with any of my other accounts.

2) It posts as a purchase.
UncleBill is offline  
Old Sep 12, 14, 5:50 am
  #6595  
 
Join Date: Apr 2009
Programs: AA, UA.
Posts: 213
got strange message when try to load cc

I am getting this error message this morning when I try to load $200 with my CC. I been using this CC past 3 time load without any issue.

"you have the following errors.
we are sorry, something went wrong. Please try again"

I logoff and login again. Still getting this message.

Lee
moon4fun is offline  
Old Sep 12, 14, 7:31 am
  #6596  
 
Join Date: Sep 2014
Location: Indiana
Programs: United, AA, Chase
Posts: 31
Originally Posted by moon4fun View Post
I am getting this error message this morning when I try to load $200 with my CC. I been using this CC past 3 time load without any issue.

"you have the following errors.
we are sorry, something went wrong. Please try again"

I logoff and login again. Still getting this message.

Lee
This happened to me yesterday. I got that message 3 times, so I walked away and came back to it about 15 minutes later and was able to load the full $500. Just try a few minutes later until it works.
kosmoyagkoto is offline  
Old Sep 12, 14, 7:43 am
  #6597  
 
Join Date: Jul 2014
Posts: 8
must be something with their system, i got that this morning just trying to login.
ricerony is offline  
Old Sep 12, 14, 10:26 am
  #6598  
 
Join Date: May 2014
Location: New York
Posts: 390
Originally Posted by heeeresJohnny View Post
I'm new to the whole credit card miles thing, but recently decided to try and take advantage of it. My first 2 cards are: Chase Sapphire Preferred and Barclay Arrival Plus.

I was hoping to use these to pay off my student loans (which seems like a rather involved process in itself since they don't accept credit cards as payments), and I think Serve might be a good bet to do it. Cheers
Just FYI, if they're with Sallie Mae, you can pay using CC.
smoothmunkey is offline  
Old Sep 12, 14, 10:30 am
  #6599  
 
Join Date: May 2014
Location: New York
Posts: 390
Originally Posted by fireflyt View Post
I recently got a new UA Chase card and added it on Serve. On my first attempt to load it I tried to add $200, and got an error message that said “We’re sorry, something went wrong! Please try again.” I then tried to load $20 and that worked. I then tried to add an additional $180 and got the exact same error message. I waited a day and tried again, same error message. I am not sure if the issue is with Chase or with Serve, any ideas? This is my first time using a Chase card on Serve, but I successfully used a Citi card previously. Thanks!
Sounds like you need to upload ID/CC images. If they haven't already sent you the email (check spam folder), call in and ask.
smoothmunkey is offline  
Old Sep 12, 14, 11:30 am
  #6600  
 
Join Date: Aug 2011
Location: IAD
Posts: 144
Is there an easy way to check how many $1 ISIS credits have been received for the month. I tried looking through transactions and I have to literally count. I wish there was a way to filter by credits or export to excel.
coolmuke is offline  

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