Serve - Another Paypal/Amazon Payments.

    Hide Wikipost
Old Jan 26, 15, 10:01 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: JAXBA
Wiki Link
Read the wiki before posting a question.
It's a literacy test that's easy to pass.

This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.

For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.

Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.


You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.

https://www.serve.com/#/add-cash

If your card doesn't say "debit" on the front, it isn't a debit card.


Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.

Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.

Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD


Normal Serve
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $200/day and $1,000/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $200/day and $1,000/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

Serve/Softcard Check if your phone/network is compatible
  • Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load - $500/day and $1,500/month (NOT a gift card with a PIN that some people call a "Debit card")
  • Online Credit Card Load - $500/day and $1,500/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.

The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.

Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.


Online Credit Card Loads
Only one card can be linked at a time.

As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.

The Chase Ink Bold is a charge card and has no cash advance ability.

Treated as purchase, earns cashback/points/miles:
  • Bank of America (FIA) (MasterCard, American Express)
  • Barclaycard (Mastercard, Visa)
  • Capital One (Mastercard, Visa)
  • Chase (MasterCard, Visa)
  • Citi (MasterCard, American Express)
  • Discover

Treated as purchase, but doesn't earn points/miles:
  • American Express (May count toward minimum spend)

Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.

Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.

When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.


Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal*, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.


Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.

Also see this thread: Switching from Serve to BlueBird - 31 day wait???

Switching to Serve/Softcard
  1. Call up Bluebird or Serve and close account. Make sure your account is at $0.00 before calling. Just close it, don't ask for a temp Serve or anything. CSR will say account is now closed and you have 30 days to change your mind should you decide to re-open it.
  2. Download the Softcard mobile app from Apple App Store or Google Play Store. If you're an iPhone user you have to buy the NFC CashWrap case from your carrier store.
  3. Launch Softcard Mobile App and create Softcard account. You'll be asked if you want to open a Serve account; Yes you do. Start the registration through Softcard mobile app for a Serve account, once you are finished you will be told you will receive an Email from Amex with your account approval. I waited a few hours and called Serve customer service like the wiki says and completed the registration.
  4. Once I got off the phone with Serve I received an email from Serve where I verified my account and email; at this point Amex Serve is open.
  5. Launch Softcard Mobile app again click add new
  6. Activate card with Softcard and select Amex Serve. Follow the instructions & you're good to add. Once this is complete a Serve Card will populate in Softcard. Must activate physical card to get full load limits. Check account status and it automatically credits to your serve account based on who you signed up with. (Verizon - $25, T-Mobile - $50, AT&T - $30 (For AT&T: Get $15 w/activation. Earn additional $15 w/account replenishment))

Switching from BB to Serve
  1. Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
  2. Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
  3. at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
  4. get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
  5. after the register and login, second error: "We're still processing your application. Please check your email for an update"
  6. I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
  7. CSR, told me that my account went to "account security protection department" transfer me to them.
  8. at account security protection department, they told me need to call back on my phone number which I registered to verify.
  9. after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
  10. CSR also told me the I can load and spend on the temporary card, but not bill pay.

The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318



Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.

Training a WM cashier:
  • If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
  • If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
  • The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
  • Avoid saying gift card. Always refer to your card as a debit card.

Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.

DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.

TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.

HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.


Using Serve
For online bill pay
  • You can pay the credit card that you used to buy VRs/GCs
  • Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
  • Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement



For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===

People with an apartment address can find helpful information quoted in post #8530
Print Wikipost

Closed Thread

Old Oct 9, 14, 11:57 am
  #7141  
 
Join Date: Jul 2013
Posts: 1,806
any loads you did from 10/08 or 10/09 is going to be CA I think.
Blueskyheaven is offline  
Old Oct 9, 14, 12:03 pm
  #7142  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by Blueskyheaven View Post
any loads you did from 10/08 or 10/09 is going to be CA I think.
Are you sure about this? Based on your previous posts you said that your Chase card doesn't have CA available which is why it was declined.
ericdabbs is offline  
Old Oct 9, 14, 12:10 pm
  #7143  
 
Join Date: Oct 2011
Location: BOS
Posts: 585
Because it seems like so far the people that have used Citi to load Serve the past two days don't understand the situation, I just did a $500 load to Serve from my Citi AA Visa. It did show up as a pending charge categorized as "financial institution" or something. I will post about the actual cash advance status in 2 days or so when it clears. (Hopefully someone can verify CA or not CA before that time).
aarif1 is offline  
Old Oct 9, 14, 12:22 pm
  #7144  
Formerly known as FTRox87
 
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
Originally Posted by aarif1 View Post
Because it seems like so far the people that have used Citi to load Serve the past two days don't understand the situation, I just did a $500 load to Serve from my Citi AA Visa. It did show up as a pending charge categorized as "financial institution" or something. I will post about the actual cash advance status in 2 days or so when it clears. (Hopefully someone can verify CA or not CA before that time).
thats not a good sign... Citi is notorious for CAs when dealing with financial institutions. and now its even more explicit than ever before.
FTR 787 is offline  
Old Oct 9, 14, 12:23 pm
  #7145  
 
Join Date: Jul 2013
Posts: 1,806
Originally Posted by ericdabbs View Post
Are you sure about this? Based on your previous posts you said that your Chase card doesn't have CA available which is why it was declined.
i am also saying this because my citi loads on 8th is pending as CA. chase got declined this time because amex serve wanted the load as CA and not as purchase.
Blueskyheaven is offline  
Old Oct 9, 14, 12:32 pm
  #7146  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by Blueskyheaven View Post
i am also saying this because my citi loads on 8th is pending as CA. chase got declined this time because amex serve wanted the load as CA and not as purchase.
But the question is does the transaction get posted as CA or purchase. It doesn't matter that it initially gets charged as CA as long as it gets posted as purchase.

I have done 3 CC loads each month and 2 of them was initially charged as CA but posted as purchases. The fact that the card has 0 CA is a problem with your card. Chase has been charging it as CA initially since 10/2.
ericdabbs is offline  
Old Oct 9, 14, 12:33 pm
  #7147  
 
Join Date: May 2013
Posts: 747
Originally Posted by aarif1 View Post
Because it seems like so far the people that have used Citi to load Serve the past two days don't understand the situation, I just did a $500 load to Serve from my Citi AA Visa. It did show up as a pending charge categorized as "financial institution" or something. I will post about the actual cash advance status in 2 days or so when it clears. (Hopefully someone can verify CA or not CA before that time).
Perfectly understand the situation and posted as such, with details as to the MCC category shift from 10/7 in comparison to the 10/8 load. Still waiting on the 10/8 charge to actually post. My 10/7 posted today as a purchase but this was prior to the MCC change, so tomorrow I should know on the results of the 10/8 MCC change and if there is a CA fee tagged with it for my Citi card.
nrdk is offline  
Old Oct 9, 14, 12:44 pm
  #7148  
 
Join Date: Oct 2014
Posts: 4
Serve load on my capital one venture card went through as a purchase earlier this month along with the reward points but the amount loaded to Serve has been deducted off the accounts Cash Advance credit line.

So far no fees from capital one but will avoid using serve with credit card loads from now on given all the reports of amex changing its coding to cash advance.
NYCPointsTraveler is offline  
Old Oct 9, 14, 1:55 pm
  #7149  
 
Join Date: Jun 2014
Posts: 18
deleted - referral received

Last edited by savemef; Oct 9, 14 at 2:01 pm
savemef is offline  
Old Oct 9, 14, 1:57 pm
  #7150  
 
Join Date: Mar 2014
Posts: 226
Originally Posted by savemef View Post
Could someone please PM me a Softcard referral link?

TIA and I will delete this post once received.
Referrals are done through email. Just PMd you.
dboston1 is offline  
Old Oct 9, 14, 2:17 pm
  #7151  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by FTRox87 View Post
thats not a good sign... Citi is notorious for CAs when dealing with financial institutions. and now its even more explicit than ever before.
Except if you ever had a TD Buxx card you'd know that Citi would always classify the load as a financial institution on the initial authorization, eat up cash advance, but the load would inevitably POST as a purchase. As has been said many times before, there's no point in speculating, even with Citi, until it actually posts.

Last edited by floressalicis; Oct 9, 14 at 2:28 pm
floressalicis is offline  
Old Oct 9, 14, 2:25 pm
  #7152  
 
Join Date: Dec 2013
Location: AUS
Posts: 41
Originally Posted by NYCPointsTraveler View Post
So far no fees from capital one but will avoid using serve with credit card loads from now on given all the reports of amex changing its coding to cash advance.
Doubt it is so much Amex changing its coding to cash advance than the various credit card companies recognizing that Amex is a financial institution where a cash advance is a possible transaction unlike a transaction from your local hardware store which can never consist of a cash advance.

Amex and other financial institutions offers a variety of products including various physical or electronic gift cards, reward redemption co-pays/taxes, travel and insurance products amongst others - all of which are considered purchases. These are in addition to products such as traveler's checks and old fashion cash handed over from a teller or an ATM in exchange for a credit card advance.

The problem with many of authorizations while pending is that your credit card company authorizes and 'reserves' from your credit limit the amount of the transaction requested by authorizing party - whether Amex or Home Depot - but do not receive the specific transaction level detail until the actual posting is completed. To complicate the situation further there are many transactions which are authorized but never actually post such as car rental companies or hotels which place a 'hold' on your credit card to reserve for potential rental car damage or mini-bar usage - all of which eventually expire if not needed.

The credit card companies have an issue from a risk perspective if they wish to maintain customer cash advances below a particular level and some entities can either provide cash advances or purchases and it is not known until the transaction details are actually posted into which category the transaction actually falls. Imagine if a credit card company has granted a customer a $10k line of credit of which they are comfortable with $2k of that available for cash advances. If a charge authorization for $2,500 comes from American Express and they authorize and allocate it against the unused $10k credit line, all is fine until it later posts as an actual cash advance.

Suddenly the credit card provider has violated its own risk management policies and over-extended its cash advance exposure beyond its own established limits in violation of its internal controls as mandated by its regulators as well as the Office of the Comptroller of Currency.

The simple way to deal with this issue is to treat any vendor which can possibly offer both purchases and cash advances is to reduce both credit limits until further details are available on the particular transaction to allow for the possibility that it may ultimately either post as a cash advance or a regular purchase and then 'roll off' the cash advance reduction if ultimately not applicable the same way a hotel incidental expenses preauthorization 'rolls off' if there are no posted charges.
donmeek is offline  
Old Oct 9, 14, 3:29 pm
  #7153  
 
Join Date: May 2014
Location: New York
Posts: 390
deleted - thanks.

Last edited by smoothmunkey; Oct 9, 14 at 3:49 pm
smoothmunkey is offline  
Old Oct 9, 14, 3:31 pm
  #7154  
 
Join Date: May 2013
Posts: 747
Originally Posted by smoothmunkey View Post
Please PM me with a Softserve referral.
Sent a PM, referrals are emailed.
nrdk is offline  
Old Oct 9, 14, 3:43 pm
  #7155  
 
Join Date: Aug 2011
Location: PDX
Posts: 444
Originally Posted by roki View Post
Has anyone, anywhere, actually been assessed a CA fee yet?
Exactly. There has been pages and pages of speculation and with losing AP, I can see why people are extra worried about this. But until there are reports of people actually getting hit with a cash advance fee, its probably best to wait a bit and see what happens. Calling up the CC company to complain, then demanding to lower the CA limit to 0 isn't what you want to do right now.
redtigeriii is offline  

Thread Tools
Search this Thread