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
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
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Old Oct 10, 14, 12:17 pm
  #7201  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by yakk0 View Post
Interesting. AA Mastercard from Citi posted as a purchase on a 10/8 transaction for me. The merchant description is different from your Visa's description.

10-08-2014 AMERICAN EXPRESS SERVE 8009540559 FL POI FUNDING TRANSACTIONS(EX MC MONEYSEND

Transaction Type:Purchases
Posted Date :10-08-2014
That's why people have been asked to specify Visa/MC. Us bank cards are all Visas and have posted as CAs, where as Citi issues both but only the Visa posted as CA. Barclays Arrivals are all MCs - no CAs. Would be interesting to test BofA - their Visas posted with CAs but given that the FIA MC is reported to post as a purchase just a few posts ago, I would expect BofA MCs to do the same.
floressalicis is offline  
Old Oct 10, 14, 1:15 pm
  #7202  
 
Join Date: Jul 2011
Posts: 613
Originally Posted by floressalicis View Post
Was it a visa or mastercard?
VISA
SPLP007 is offline  
Old Oct 10, 14, 1:24 pm
  #7203  
 
Join Date: Jul 2014
Posts: 427
Originally Posted by floressalicis View Post
That's why people have been asked to specify Visa/MC. Us bank cards are all Visas and have posted as CAs, where as Citi issues both but only the Visa posted as CA. Barclays Arrivals are all MCs - no CAs. Would be interesting to test BofA - their Visas posted with CAs but given that the FIA MC is reported to post as a purchase just a few posts ago, I would expect BofA MCs to do the same.
Barclay arrival+ MC just started posting as a POI Funding Tx in the past day or so as reported earlier. I got points for the one that posted today. I have another one pending and will report back.
bigugly is offline  
Old Oct 10, 14, 2:04 pm
  #7204  
 
Join Date: Oct 2014
Location: Orange County
Posts: 53
anyone know why when i tried loading my serve online with $200 it said i needed to call CS but then if selected $100 it worked. This is a new card just signed up and got it in the mail. I did $20 only earlier this week to test if my CC would post as CA or Sale and it went through as sale.
czech99 is offline  
Old Oct 10, 14, 2:27 pm
  #7205  
 
Join Date: Jul 2010
Posts: 220
Originally Posted by floressalicis View Post
Was it a mastercard or visa?
MC
22calbr is offline  
Old Oct 10, 14, 2:38 pm
  #7206  
 
Join Date: Jul 2014
Posts: 56
FYI, Chase Amazon VISA Cash Advance Limit set to $00.00 got this

"You have the following errors.
We are unable to complete your request at this time, as additional information is needed. Please call Customer Service at 1-800-954-0559. Our hours of operation are 9am - 8pm EST, Monday - Friday."

Last edited by k81689; Oct 10, 14 at 2:43 pm
k81689 is offline  
Old Oct 10, 14, 2:55 pm
  #7207  
 
Join Date: Oct 2014
Location: Orange County
Posts: 53
Originally Posted by k81689 View Post
FYI, Chase Amazon VISA Cash Advance Limit set to $00.00 got this

"You have the following errors.
We are unable to complete your request at this time, as additional information is needed. Please call Customer Service at 1-800-954-0559. Our hours of operation are 9am - 8pm EST, Monday - Friday."
mines not set, but when i tried to do $200 i got this. Then tried $100 and it worked
czech99 is offline  
Old Oct 10, 14, 3:37 pm
  #7208  
 
Join Date: May 2014
Location: New York
Posts: 390
Has anyone successfully used an ATT cashwrap with a Verizon phone? Damn Amazon seller didn't specified and I lost that gamble...
smoothmunkey is offline  
Old Oct 10, 14, 4:04 pm
  #7209  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by k81689 View Post
FYI, Chase Amazon VISA Cash Advance Limit set to $00.00 got this

"You have the following errors.
We are unable to complete your request at this time, as additional information is needed. Please call Customer Service at 1-800-954-0559. Our hours of operation are 9am - 8pm EST, Monday - Friday."
if you keep getting the error msg no matter what amount you input, it is possible that amex is the one blocking it. you have to call and they usually ask you to send a scan of your DL plus the credit/debit cards you're using to load. To make sure I got this security check only once, I uploaded all my DC/CC I plan to use and never got the error message again.
Mamibear is offline  
Old Oct 10, 14, 5:06 pm
  #7210  
 
Join Date: Oct 2014
Posts: 9
Seeing lots of chatter hear for Citi / Chase / USB, Visa / MC issues.

I recently applied and was approved for the Capital One Venture card, and couldn't find any references to Capital One or Venture since 10/2. The wiki says Capital One might be CA pending verification, but the below posts from 10/2 around then actually have them posting as merchandise purchases. Any more Cap1 info (MisterEdF or ftomasze)?

edit: got a referral. Thanks!

Originally Posted by MisterEdF View Post
Cap One VENTURE (2 accounts) 4 pending $500 charges all showing up as MERCHANDISE on both 10/1 and 10/2. Now I'm afraid to try it again.

Edit: One of the payments (10/1) just moved out of pending and the payment type is listed as "DISCOUNT STORES." 10/2 Still pending and still shows "merchandise" but I already got the miles posted for it so I assume there was no problem with a CA.
Originally Posted by ftomasze View Post
Thank you.

Same here, my first load for the month cleared tonight is showing as "Discount Stores" as well.

I took the chance and loaded just now and my CA limit has been reduced by $200, the pending charge is still being categorized as "merchandise" though.

No need for anyone to panic until these charges start to settle. I would, however, suggest that if your afraid of getting hit with a CA fee that you hold off until those of us who have tried report back with what the charges actually settle as.

Edit: Using Capital One Venture (AF Version) as well.

Last edited by hayburner21; Oct 11, 14 at 5:30 pm Reason: referral
hayburner21 is offline  
Old Oct 10, 14, 9:37 pm
  #7211  
 
Join Date: May 2013
Location: Sacramento, CA
Posts: 335
Two Barclay's Priceline Visa loads just posted as purchases and earned points. Along with a third from a few days ago the record is:
Transaction date Post date Category
10/7 10/8 BUYING/SHOPPING SERVICES, CLUBS
10/8 10/9 QUASI CASH - MERCHANT
10/9 10/10 QUASI CASH - MERCHANT

Interestingly, all three also still show as pending. I'm sure the temp auths will drop off in a few days, but something definitely seems to be screwed up on the Serve side.
Wonko is offline  
Old Oct 10, 14, 10:09 pm
  #7212  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by hayburner21 View Post
Also, I'd appreciate a PM from someone who could refer me to Softserve. I'll delete this when I get one. Thanks!
check your inbox.
Mamibear is offline  
Old Oct 10, 14, 10:20 pm
  #7213  
 
Join Date: Oct 2014
Posts: 1
Chase Sapphire transaction details:

10/09/2014 10/10/2014 Sale AMERICAN EXPRESS SERVE FL 337010000 US $10.00

Online, Mail, or Telephone transaction
Rewards earned
+ 1 Point per $1 on all other purchases 10.00
Total rewards 10.00 Points

Cash advance details on that account (that has no other transactions):

Cash Advance Balance $0.00
Cash Advance Limit $1,200.00
Available for Cash Advance $1,190.00
nutjob2 is offline  
Old Oct 11, 14, 7:10 am
  #7214  
XP1
 
Join Date: Aug 2014
Posts: 282
PNC CashBuilder Visa

Balance: -$40.00

10/09/2014
AMERICAN EXPRESS SERVE 8009540559 FL
$250.00

10/09/2014
*FINANCE CHARGE* CASH ADVANCE FEE
$10.00


10/08/2014
PAYMENT*THANK YOU DUBLIN OH
-$300.00

Last edited by XP1; Oct 11, 14 at 7:18 am
XP1 is offline  
Old Oct 11, 14, 7:20 am
  #7215  
 
Join Date: Jan 2014
Posts: 17
Is there any way to get softcard without having a major carrier phone, it is unlocked but it still says not compatible ?

Thanks
zacknistelrooy is offline  

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