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 12, 14, 1:43 am
  #7246  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,113
Originally Posted by waingro View Post
We know Citi Visas get CA fees. It was in the wiki and now it's deleted. What is going on...
Citi HH Reserve Visa 3x$500 all posted as purchases on 10/4, 6, 8.
frudd38 is offline  
Old Oct 12, 14, 3:44 am
  #7247  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by frudd38 View Post
Citi HH Reserve Visa 3x$500 all posted as purchases on 10/4, 6, 8.
I think the switch happened on 10/9 so that might not mean much. Also it is weird that no one is reporting the cash advance fee posting yet for citi even though the transaction is listed as a cash advance.

Last edited by floressalicis; Oct 12, 14 at 3:51 am
floressalicis is offline  
Old Oct 12, 14, 4:41 am
  #7248  
 
Join Date: May 2014
Location: PHL
Programs: SW CP, SPG Gold, Hilton Gold
Posts: 571
Originally Posted by Onjin View Post
Were any of those initiated after the MCC change? My load from 10/8 to Ink went through as a purchase, but haven't tried since.

Reminder for anyone else with the Chase Ink that as a business card it is not regulated by the same provisions of the CARD act that personal cards are. If something posts as a cash advance you'll have to pay off your full balance in order to stop the interest accumulation on the cash advance.
I haven't carried a balance in years, but I don't think this is true.

Any payments made should apply to the HIGHEST interest bearing balance first, IE -- cash advances.
ftomasze is offline  
Old Oct 12, 14, 5:46 am
  #7249  
 
Join Date: Oct 2010
Posts: 92
Tried to load with 2 different US bank VGC this am. Both were declined even though it said approved on the touchpad screen. Anyone had the same issue? I am in Ohio.
patrickfungusa is offline  
Old Oct 12, 14, 7:28 am
  #7250  
 
Join Date: Dec 2013
Posts: 11
Originally Posted by floressalicis View Post
I think the switch happened on 10/9 so that might not mean much. Also it is weird that no one is reporting the cash advance fee posting yet for citi even though the transaction is listed as a cash advance.
I reported being hit with a CA fee from Citi. See post 7196. Interesting enough, though, is both the transactions on 10/8 and 10/9 are posted as a cash advance transaction, but I was only hit with one $10 fee, on 10/8.
cmhawkins is offline  
Old Oct 12, 14, 9:49 am
  #7251  
 
Join Date: Jul 2014
Posts: 180
Originally Posted by roki View Post
When is the CA fee charged? At the time of the transaction posting? Or at statement close?

I've run 3x $200 transactions on my new Chase Ink Plus

1 of 3 have posted, and posted as a purchase/no CA fee.
All 3 of my $500 loads on Chase Ink Plus posted as purchase but the last one posted on 10/8 and from reading the posts on here it seems like things might have changed after that date. It is good news if it is continuing to post as a purchase!
neony77 is offline  
Old Oct 12, 14, 10:43 am
  #7252  
 
Join Date: Oct 2014
Posts: 2
Originally Posted by ftomasze View Post
I haven't carried a balance in years, but I don't think this is true.

Any payments made should apply to the HIGHEST interest bearing balance first, IE -- cash advances.
Cash advances start charging interest from the transaction date, so it's irrelevant whether or not you've carried a balance.

I agree that payments should apply in that way, and indeed the CARD act requires it -- for personal cards only. The Chase Ink cards are business cards, not regulated by the CARD act. People may not be expecting them to work differently, and that's why I posted that.

From the card agreement:

You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient to us. For example, you authorize us to apply your payments and credits to balances with lower APRs (such as promotional APRs) before balances with higher APRs.
Onjin is offline  
Old Oct 12, 14, 11:02 am
  #7253  
 
Join Date: Jul 2013
Posts: 1,768
Originally Posted by floressalicis View Post
I think the switch happened on 10/9 so that might not mean much. Also it is weird that no one is reporting the cash advance fee posting yet for citi even though the transaction is listed as a cash advance.
the bad things started happening after 9th. I am sure I will not receive 750 bonus hilton points for my $750 citi hilton loads. it posts as a CA although no fee but I will not receive the 750 bonus points.
Blueskyheaven is offline  
Old Oct 12, 14, 12:01 pm
  #7254  
 
Join Date: Feb 2009
Location: SNA/LAX
Programs: AA, SPG, UA
Posts: 102
apply for Serve/softcard after having a softcard account

Hi all,
I don't know if this has been answered or not, but please help me open a Serve/Softcard. I have already created a Softcard account on my phone, at that time I still have my BB account opened so did not choose to apply for Serve. So how do I open a Serve/softcard account now ?
Thanks all for your help.
cruise603 is offline  
Old Oct 12, 14, 12:07 pm
  #7255  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by cruise603 View Post
Hi all,
I don't know if this has been answered or not, but please help me open a Serve/Softcard. I have already created a Softcard account on my phone, at that time I still have my BB account opened so did not choose to apply for Serve. So how do I open a Serve/softcard account now ?
Thanks all for your help.
check your inbox.
Mamibear is offline  
Old Oct 12, 14, 1:22 pm
  #7256  
 
Join Date: Jan 2005
Posts: 466
Did anyone use a chase Ink Business card (master) to load during the past couple of days (maybe started from 10/9)? Tried several times for several days, always was hit by "We're sorry, your card issuer declined this transaction" but my cash advance is way over 5k (and the card is working on 10/2 when the pending is cash advance but posted as sale)

Edit: Called chase and even speak to fraud department, was told this transaction is coded as person-to-person transfer which is not allowed by chase any more. Sounds like all Chase cards will be denied?? any success story here (from Friday 10/10)?

Last edited by susieling; Oct 12, 14 at 2:16 pm
susieling is offline  
Old Oct 12, 14, 1:28 pm
  #7257  
 
Join Date: Oct 2014
Posts: 25
any cash advance fees from serve on discover IT cards?
any confirmation of 5% cashback on discover IT cards from AMEX serve?
if not, Did u even get 1% CashBack (assuming it was an IT Discover card)?
any cash advance fees from serve on Capital one visa or MC?

I tried a $200 charge from serve onto my discover IT, which has a 0 cash advance limit, but statement does not close til 25 th so I cannot post results til then. Any update would be appreciated.

Last edited by zjts; Oct 12, 14 at 1:45 pm
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Old Oct 12, 14, 1:38 pm
  #7258  
 
Join Date: May 2002
Location: LEESBURG, VA, USA
Posts: 224
BOA Alaska Visa

Originally Posted by moon4fun View Post
I got hit by $10 fee for load BOA Alaska Visa on 10/9/14

I loaded my Serve twice with BOA Alaska visa and got hit by CA.

Below is the detail.



Expand transaction for Transaction date: 10/11/2014 AMERICAN EXPRESS SERVE 10/11/2014 Expand transaction for Transaction date: 10/11/2014 AMERICAN EXPRESS SERVE Type Bank Transaction
$198.75
Expand transaction for Transaction date: 10/11/2014 CASH EQUIVALENT - TRAN 10/11/2014 Expand transaction for Transaction date: 10/11/2014 CASH EQUIVALENT - TRAN Type Fees
$10.00
Expand transaction for Transaction date: 10/10/2014 AMERICAN EXPRESS SERVE 10/10/2014 Expand transaction for Transaction date: 10/10/2014 AMERICAN EXPRESS SERVE Type Bank Transaction
$200.00
Expand transaction for Transaction date: 10/10/2014 CASH EQUIVALENT - TRAN 10/10/2014 Expand transaction for Transaction date: 10/10/2014 CASH EQUIVALENT - TRAN Type Fees
$10.00
takhliq1 is offline  
Old Oct 12, 14, 1:51 pm
  #7259  
 
Join Date: Oct 2014
Posts: 44
I added a Chase UA Explorer card yesterday.. seemed to add fine.

When I tried to add money using the card (even for small amounts), it declined it saying the card's bank declined the transaction and was asked to call the number at the back of the card.

Now, my card categorically says there's around 1xxx cash advance on it when I login, so that shouldn't be a problem. Any ideas? I know people have used this card with Serve successfully.

There was no extra verification step when I added my card. Is this normal?
halluc1nati0n is offline  
Old Oct 12, 14, 2:46 pm
  #7260  
 
Join Date: Oct 2007
Posts: 567
Originally Posted by takhliq1 View Post
I loaded my Serve twice with BOA Alaska visa and got hit by CA.

Below is the detail.



Expand transaction for Transaction date: 10/11/2014 AMERICAN EXPRESS SERVE 10/11/2014 Expand transaction for Transaction date: 10/11/2014 AMERICAN EXPRESS SERVE Type Bank Transaction
$198.75
Expand transaction for Transaction date: 10/11/2014 CASH EQUIVALENT - TRAN 10/11/2014 Expand transaction for Transaction date: 10/11/2014 CASH EQUIVALENT - TRAN Type Fees
$10.00
Expand transaction for Transaction date: 10/10/2014 AMERICAN EXPRESS SERVE 10/10/2014 Expand transaction for Transaction date: 10/10/2014 AMERICAN EXPRESS SERVE Type Bank Transaction
$200.00
Expand transaction for Transaction date: 10/10/2014 CASH EQUIVALENT - TRAN 10/10/2014 Expand transaction for Transaction date: 10/10/2014 CASH EQUIVALENT - TRAN Type Fees
$10.00
read the WIKI:
BOA Treated as a cash advance:
PNC
US Bank
BOA Alaska Visa
Citi Forward Visa
ual902 is offline  

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