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 12, 14, 3:25 pm
  #7261  
 
Join Date: Sep 2010
Posts: 28
Anybody do a BofA MC yet? I have the MC virgin atlantic but having issues even processing through serve the past 2 days
abbazappaplant is offline  
Old Oct 12, 14, 3:32 pm
  #7262  
 
Join Date: Jul 2014
Posts: 427
Any other reports of Chase not working after the 9th? (Or reports that it IS working)?

Them declining Serve transactions would line up with their recent tightening up on MSing.
bigugly is offline  
Old Oct 12, 14, 4:00 pm
  #7263  
 
Join Date: Oct 2014
Posts: 44
Originally Posted by bigugly View Post
Any other reports of Chase not working after the 9th? (Or reports that it IS working)?

Them declining Serve transactions would line up with their recent tightening up on MSing.
Damn.. Did somebody else report it as well? I thought I was the only one hit with it.
halluc1nati0n is offline  
Old Oct 12, 14, 5:00 pm
  #7264  
 
Join Date: Aug 2014
Posts: 60
Originally Posted by bigugly View Post
Any other reports of Chase not working after the 9th? (Or reports that it IS working)?

Them declining Serve transactions would line up with their recent tightening up on MSing.
Chase SW Business Card Visa. Processed $500 on 10/10. Money deposited in Serve, My Cash amount available down $500 and the transaction still pending on statement.

Chase SW Personal Card Visa. Processed $500 today 10/12. Cash available down by $500, transaction still pending on statement.

Doesn't seem any different than the transactions at the beginning of the month where my cash balance dropped then went back up again when posted.
angiez628 is offline  
Old Oct 12, 14, 6:42 pm
  #7265  
 
Join Date: Jul 2014
Posts: 427
Originally Posted by halluc1nati0n View Post
Damn.. Did somebody else report it as well? I thought I was the only one hit with it.
This person

http://www.flyertalk.com/forum/23665961-post7257.html
bigugly is offline  
Old Oct 12, 14, 7:22 pm
  #7266  
 
Join Date: Oct 2014
Posts: 44
Originally Posted by bigugly View Post
Well.. my card was outright declined after I tried to load twice (fraud protection?). Had to call Chase to get it working again.. The rep told they were closely monitoring transactions like these. I didn't question her further. I played dumb and just wanted to get my card re-enabled. I guess this is dead/YMMV for Chase cards anymore.
halluc1nati0n is offline  
Old Oct 12, 14, 7:48 pm
  #7267  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by xraywinedrinker View Post
The question posed asks if the isis cashwrap case sim is replaced. I too would like to know if I get another secure enhanced sim from ATT could I use the existing case and register another softcard serve acct.
No, you cannot. Not from ATT or the case manufacturer. You need to get a NEVER USED case. I bought one off eBay and it wouldn't work since it eas previously used, then I bought one from an AT&T store which was evidently a return and didn't work, I finally got a good one from AT&T and it worked.
MisterEdF is offline  
Old Oct 12, 14, 7:51 pm
  #7268  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by dboston1 View Post
Yes, you can replace the Secure SIM in the case and then use the same case to register another account.
Oh yea? How? It's not a SIM in the case it's a microSD card. You ALSO need a special SIM for the PHONE which you CAN get from AT&T but that is not related to the case.
MisterEdF is offline  
Old Oct 12, 14, 7:59 pm
  #7269  
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Join Date: Mar 2005
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Programs: AA, AGR, DL, MR, WoH, UA
Posts: 945
Here's how we're doing the credit card situation:
If you get a cash advance fee posting to your card, please add it to the appropriate section in the wiki. Give the exact card, including whether it is a Visa or Mastercard (or Discover or AmEx). Do not change the other lists.

I removed the PNC Bank and US Bank previously in that section. If someone has the exact card info for those, please feel free to add them back.

Once we've amassed enough details, we can make better generalizations.
sechs is offline  
Old Oct 12, 14, 8:32 pm
  #7270  
 
Join Date: Apr 2014
Location: SFO
Posts: 167
Originally Posted by sechs View Post
Here's how we're doing the credit card situation:
If you get a cash advance fee posting to your card, please add it to the appropriate section in the wiki. Give the exact card, including whether it is a Visa or Mastercard (or Discover or AmEx). Do not change the other lists.
US Bank Club Carlson Visa, cash advance posted 10/8

I'm looking for current information--post 10/10/14- on
1) Ink Plus Visa and
2)Barclay Arrival Plus--I've seen this one reported yes and no
annhedonia is offline  
Old Oct 12, 14, 8:51 pm
  #7271  
 
Join Date: Feb 2014
Posts: 185
Originally Posted by MisterEdF View Post
No, you cannot. Not from ATT or the case manufacturer. You need to get a NEVER USED case. I bought one off eBay and it wouldn't work since it eas previously used, then I bought one from an AT&T store which was evidently a return and didn't work, I finally got a good one from AT&T and it worked.

Conflicting information regarding this issue, as another poster just said it was possible. Can a case be shared, with different SIM cards from ATT? Anyone else have first hand experience?
cashcow is offline  
Old Oct 12, 14, 10:52 pm
  #7272  
 
Join Date: Oct 2014
Posts: 3
Originally Posted by halluc1nati0n View Post
Damn.. Did somebody else report it as well? I thought I was the only one hit with it.
Chase Sapphire Preferred, $100 pending as CA on 10/10, and post as sales on 10/12.

CA limit did go down but hasn't come back. Just tried another $200 a moment ago. See what will happen next.
aaabbbcccd is offline  
Old Oct 12, 14, 10:57 pm
  #7273  
 
Join Date: Jan 2005
Posts: 466
Originally Posted by angiez628 View Post
Chase SW Business Card Visa. Processed $500 on 10/10. Money deposited in Serve, My Cash amount available down $500 and the transaction still pending on statement.

Chase SW Personal Card Visa. Processed $500 today 10/12. Cash available down by $500, transaction still pending on statement.

Doesn't seem any different than the transactions at the beginning of the month where my cash balance dropped then went back up again when posted.
Omm, could it be certain types of chase card be blocked? Mine is "chase ink business". Or could it be that charge via ISIS is processed differently (mine is just an ordinary non-ISIS serve)? Both my and my husband's serve account, linked with different ink business card (different name, different number, not authorized user) were hit the same issue (not approved and please call customer service). Cash advance limit is very high.
susieling is offline  
Old Oct 12, 14, 11:17 pm
  #7274  
 
Join Date: Oct 2014
Posts: 44
Originally Posted by susieling View Post
Omm, could it be certain types of chase card be blocked? Mine is "chase ink business". Or could it be that charge via ISIS is processed differently (mine is just an ordinary non-ISIS serve)? Both my and my husband's serve account, linked with different ink business card (different name, different number, not authorized user) were hit the same issue (not approved and please call customer service). Cash advance limit is very high.
Are these new cards? I ask because my UA explorer card which was declined was pretty new.
halluc1nati0n is offline  
Old Oct 13, 14, 6:45 am
  #7275  
 
Join Date: Apr 2014
Posts: 1,269
Has anyone had any trouble with online debit loads?
ZzzzX is offline  

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