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 Oct 10, 14, 1:40 am
  #7171  
 
Join Date: Jul 2014
Location: JRF
Programs: Marriott Titanium, United Silver, National Executive
Posts: 1,073
Originally Posted by Blueskyheaven View Post
10-07-2014 AMERICAN EXPRESS SERVE 800****** FL MORTGAGE CO/NONFINANCIAL INST/TRAVEL CHK


Transaction Type:
Cash Advances
10-07-2014

Posted Date :
Reference Number:
Cash Advances
10-07-2014
M******
Which issuer is this?
msp3 is offline  
Old Oct 10, 14, 2:18 am
  #7172  
 
Join Date: Jul 2013
Posts: 1,839
Originally Posted by msp3 View Post
Which issuer is this?
Citi
Blueskyheaven is offline  
Old Oct 10, 14, 4:49 am
  #7173  
 
Join Date: Jul 2014
Posts: 427
My most recent load on Barclaycard Arrival+ MC posted as:

Transaction Date: 10/08/14
Post Date: 10/09/14
Amount: 200.00
Description: AMERICAN EXPRESS SERVE
Merchant Location:*

8009540559 FL

Merchant Category: POI FUNDING TXN

On 10/7, it was BUYING/SHOPPING SERVICES.

I'm not going to jump to conclusions just yet, but I'm preparing to send a massive payment to them right away to prevent any daily interest if this ends up being a cash advance...

If this ends up being dead, I guess it will be the end of the passive MS era for me.

Last edited by bigugly; Oct 10, 14 at 6:10 am
bigugly is offline  
Old Oct 10, 14, 5:13 am
  #7174  
 
Join Date: Jul 2014
Posts: 427
It shows 400 points earned for that transaction, so I guess it is OK... for now...?
bigugly is offline  
Old Oct 10, 14, 7:04 am
  #7175  
 
Join Date: Jan 2004
Location: The Great Southwest
Programs: AA-PLT, Hilton-DIA
Posts: 356
Originally Posted by halfleafclover View Post
Can confirm US Bank is charging cash advance for Serve loads, below is my data:

10/09/2014 Cash Equivalent Fee $20.00
10/09/2014 American Express Serve 8009540559 Fl $500.00
10/08/2014 American Express Serve 8009540559 Fl $500.00
10/06/2014 American Express Serve 8009540559 Fl $500.00

This was with the Club Carlson card, I have 5000 points pending which suggests 2 went through as purchases and the last one (10/9) went through as a cash advance.

How bothersome....
I had the same experience except at the $200 level and was hit with a $10 CE Fee for the transaction on the 9th. 3 others this months on the 8th and before did not get charged the fee.
azcoyote is offline  
Old Oct 10, 14, 7:24 am
  #7176  
 
Join Date: Oct 2014
Posts: 10
Originally Posted by azcoyote View Post
I had the same experience except at the $200 level and was hit with a $10 CE Fee for the transaction on the 9th. 3 others this months on the 8th and before did not get charged the fee.
Exact same experience as me with Club Carlson. $200 spent on the 9th, got a $10 cash advance fee. $200 spent on the 8th and prior received nothing.
overbayy is offline  
Old Oct 10, 14, 7:40 am
  #7177  
 
Join Date: Feb 2014
Posts: 89
10-08-2014 AMERICAN EXPRESS SERVE FL POI FUNDING TRANSACTIONS(EX MC MONEYSEND $ 195.00

10-07-2014 AMERICAN EXPRESS SERVE FL BUYING/SHOPPING SERVICES CLUBS $ 200.00

Even with the change to POI Funding transactions, My Citi charge from the 8th posted today as a purchase.
V6Jeep4x4 is offline  
Old Oct 10, 14, 8:05 am
  #7178  
 
Join Date: May 2013
Posts: 747
Originally Posted by V6Jeep4x4 View Post
10-08-2014 AMERICAN EXPRESS SERVE FL POI FUNDING TRANSACTIONS(EX MC MONEYSEND $ 195.00

10-07-2014 AMERICAN EXPRESS SERVE FL BUYING/SHOPPING SERVICES CLUBS $ 200.00

Even with the change to POI Funding transactions, My Citi charge from the 8th posted today as a purchase.
+1 on this, despite the change in MCC still posted as a purchase from 10/8 and statement closed today showing it was a purchase and no CA fee charged on my Citi Double Cash.
nrdk is offline  
Old Oct 10, 14, 8:06 am
  #7179  
 
Join Date: Dec 2011
Posts: 445
Originally Posted by halfleafclover View Post
Can confirm US Bank is charging cash advance for Serve loads, below is my data:

10/09/2014 Cash Equivalent Fee $20.00
10/09/2014 American Express Serve 8009540559 Fl $500.00
10/08/2014 American Express Serve 8009540559 Fl $500.00
10/06/2014 American Express Serve 8009540559 Fl $500.00

This was with the Club Carlson card, I have 5000 points pending which suggests 2 went through as purchases and the last one (10/9) went through as a cash advance.

How bothersome....
Originally Posted by overbayy View Post
Exact same experience as me with Club Carlson. $200 spent on the 9th, got a $10 cash advance fee. $200 spent on the 8th and prior received nothing.
I just did a $200 load with my Club Carlson card yesterday, and right now it shows as pending with no fee visible.
dagaetch is offline  
Old Oct 10, 14, 8:07 am
  #7180  
 
Join Date: Nov 2011
Location: Houston
Programs: UA Silver, HHonors Gold, Marriott Silver
Posts: 37
Citi Hilton card, one transaction processed as CA but I haven't seen a fee yet. Another is pending as CA.

10-09-2014 *Pending AMERICAN EXPRESS SERVE ST PETERSBURGUS MORTGAGE CO/NONFINANCIAL INST/TRAVEL CHK $ 200.00

10-08-2014 AMERICAN EXPRESS SERVE 8009540559 FL MORTGAGE CO/NONFINANCIAL INST/TRAVEL CHK $ 200.00
Transaction Type: Cash Advances
Posted Date :10-08-2014
cripps is offline  
Old Oct 10, 14, 8:13 am
  #7181  
 
Join Date: Oct 2014
Posts: 1
bank of america CA

Went back a few pages and didn't see this mentioned, but bank of america alaska visa just charged a cash advance as of 10/9.
764335675323 is offline  
Old Oct 10, 14, 8:26 am
  #7182  
 
Join Date: May 2014
Location: New York
Posts: 390
For ease of reading, it would be helpful if datapoints relating cash advance fees were formatted as (just my humble opinion):

[Bank] [Card] [CC type]
[Date or transaction]
[Whether CA was indicated, and, if so, whether pending or has posted]
smoothmunkey is offline  
Old Oct 10, 14, 8:43 am
  #7183  
 
Join Date: Jun 2007
Location: ATL, but want to Expatriate to SE Asia ASAP
Programs: AS MVP Gold, Choice Plat & Hilton+SPG Gold, UA, BA...Etc
Posts: 803
Trying Barclay:

Arrival Plus Mastercard
$200
Pending 10/10/14

Will report back once it clears.
foofiter is offline  
Old Oct 10, 14, 9:03 am
  #7184  
 
Join Date: Apr 2012
Posts: 129
2 of 3 load show up as Sale for Chase INK. Load on 10/6-10/8. The transaction on 10/8 should show up tomorrow.

Cash Advance Balance $0.00
Cash Advance Limit $4,200.00
Available for Cash Advance $4,200.00

But so far it's looking good.
istroke is offline  
Old Oct 10, 14, 9:22 am
  #7185  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Can people include whether their cards are MC or Visa? We saw a Citi Double Cash MC post as purchase but someone else with the Citi Hilton (which are all Visas AFAIK) had the load post as a Cash Advance. Seems there is something going on with Visa/MC networks now.
floressalicis is offline  

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