Serve - Another Paypal/Amazon Payments.

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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
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Old Oct 13, 14, 2:37 pm
  #7291  
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Join Date: Sep 2013
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Originally Posted by bigugly View Post
Mine went through as a purchase on 10/9. My 10/10 load was in pending on Friday, but disappeared totally over the weekend and is still missing. I figure it will display posted tomorrow as a purchase, will report if not.
Should be fine. . . All mine have posted as purchases recently.
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Old Oct 13, 14, 3:07 pm
  #7292  
XP1
 
Join Date: Aug 2014
Posts: 282
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.

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.
PNC CashBuilder Visa

Originally Posted by XP1 View Post
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
http://www.flyertalk.com/forum/manuf...l#post23660495
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Old Oct 13, 14, 3:08 pm
  #7293  
 
Join Date: Jan 2013
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10/11: Charged $500 on Chase British Airways
10/11: CA Limit went down $500 as expected
10/12: Charge posted as Sale, No CA Fee
10/13: CA Limit back to 100%
10/13: Still No CA Fee
frudd38 is offline  
Old Oct 13, 14, 4:08 pm
  #7294  
 
Join Date: Oct 2014
Posts: 25
any reports on CapitalOne visa & MC??? Discover? I see in the WIKI where this is being update d but nothing on these 3 cards

Last edited by zjts; Oct 13, 14 at 4:18 pm
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Old Oct 13, 14, 4:09 pm
  #7295  
 
Join Date: Jan 2013
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Originally Posted by zjts View Post
any reports on CapitalOne visa & MC??? Discover? I do not see in the WIKI where this is being updates... is there a direct link to these updates?
Look closer...
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Old Oct 13, 14, 4:23 pm
  #7296  
 
Join Date: Oct 2014
Posts: 25
Originally Posted by frudd38 View Post
Look closer...
see my edited post above... still interested in updates on CapitalOne visa& Mc & Discover
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Old Oct 13, 14, 5:21 pm
  #7297  
 
Join Date: Sep 2014
Posts: 36
Can I upload my Paypal debit card to put money into my Serve account?
jedinkel is offline  
Old Oct 13, 14, 5:48 pm
  #7298  
 
Join Date: Oct 2014
Posts: 1
Has anyone tried Fidelity AMEX? I tried it earlier and on txns posted 10/8 and 10/7 it was still a purchase.
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Old Oct 13, 14, 5:54 pm
  #7299  
 
Join Date: Jan 2013
Posts: 177
Originally Posted by jmw View Post


Apparently many on FT need selfish reasons to not call the bank and get their $15 CA fee refunded. Who cares if thousands of others are screwed over in the process to get $15 back when the account gets scrutinized for other forms of MS.
This doesn't seem to break the do not call rule since US Bank already shut down the deal for everyone. I agree that if you don't want them to see other stuff you are doing, don't call, but that seems to be a personal "don't call rule" rather than a blanket one.

I saw somewhere else posted (can't remember where) that someone already tried calling to get the fee waived and that the CS rep wouldn't budge saying that the previous loads should have had the fee too, but they recently "fixed the glitch". YMMV
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Old Oct 13, 14, 6:44 pm
  #7300  
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Originally Posted by waingro View Post
Anyone else experience problems adding Barclay Arrival+ to their account? I've been trying for 3 days and keep getting this error: "We're sorry, something went wrong! Please try again."

No problems adding other cards...
If your address has a second line, i.e. an apt / unit number with your Barclay card, you would need to change it to a single line with the Apt number at the end of the 1st line as Barclays would automatically put the Apt number on the 1st line of address no matter how you enter it - this creates a mismatch with your Serve account.

Originally Posted by bigugly View Post
Mine went through as a purchase on 10/9. My 10/10 load was in pending on Friday, but disappeared totally over the weekend and is still missing. I figure it will display posted tomorrow as a purchase, will report if not.
Check your earned point balance - the pending disappeared and not shown in posted section yet, however the point balance should have increased. Mine did. So 10/10 load still treats as purchase though the description has changed even for my 10/8 load to read this: POI FUNDING TRANSACTIONS(EXCLUDING MONEYSEND)
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Old Oct 13, 14, 9:08 pm
  #7301  
 
Join Date: Apr 2014
Posts: 1,269
Originally Posted by jedinkel View Post
Can I upload my Paypal debit card to put money into my Serve account?
Yes. $200/day max $1000/month.
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Old Oct 13, 14, 9:11 pm
  #7302  
 
Join Date: Feb 2014
Posts: 185
Originally Posted by MisterEdF View Post
You can share the physical CASE but unless you have a different special encrypted MicroSD for each user in the case, NO. It is highly unlikely you can purchase a NEW microSD for the case. I tried, no on would sell it. ATT said call INCASE, INCASE said call ATT.

The physical case itself isn't the problem, it's the microSD card encrypted to your phone ***AND*** (PLUS) the special "isis ATT/VZW or TMO SIM" IN YOUR PHONE. 2 different things, ISIS SIM for iPhone and the encrypted microSD attached to your account in your case. Don't buy a USED on, it won't work (I wasted $50 on 2 used cases).

Also, you now have to charge your phone with a standard microUSB cable. The iPhone cables no longer work.
Thanks for the details. Much appreciated.
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Old Oct 13, 14, 10:16 pm
  #7303  
 
Join Date: Jun 2007
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Barclay Arrival is fine for now

Loaded $200 online using my Barclay Arrival+ Mastercard on 10/11.

Charge just cleared as purchase and points were earned on 10/14 (just after midnight)

Looks like this is OK for now. I will keep loading and report any changes if the occur

I can confirm the merchant coding changed:

10/11/14 transaction posted as:

Merchant Category: POI FUNDING TRANSACTIONS(EXCLUDING MONEYSEND)

My previous 10/6/14 transaction posted as:

Merchant Category: BUYING/SHOPPING SERVICES, CLUBS
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Old Oct 13, 14, 10:52 pm
  #7304  
 
Join Date: Aug 2014
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Angry dispute on cash advances transactions??

Called Serve and BOFA on the cash advances. Below are updates from them. should I open a dispute on these transactions with BOFA?

Update from BOFA: Serve is keying the transaction as a cash advance and they have no control over that but previous transactions were coded as normal purchases. The merchant is suppose to notify the customer if they are keying the transaction as a cash advance. If they have not notified, they can open a dispute on the transactions

Update from Serve: They do not know how the transaction is coded as a “purchase” or a “cash advance” and that is up to the bank or credit card. There were recent system changes which might have changed on how they key these transactions. But they can't do anything about it.
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Old Oct 13, 14, 10:56 pm
  #7305  
 
Join Date: Apr 2013
Posts: 250
Originally Posted by senthilv123 View Post
Called Serve and BOFA on the cash advances. Below are updates from them. should I open a dispute on these transactions with BOFA?

Update from BOFA: Serve is keying the transaction as a cash advance and they have no control over that but previous transactions were coded as normal purchases. The merchant is suppose to notify the customer if they are keying the transaction as a cash advance. If they have not notified, they can open a dispute on the transactions

Update from Serve: They do not know how the transaction is coded as a “purchase” or a “cash advance” and that is up to the bank or credit card. There were recent system changes which might have changed on how they key these transactions. But they can't do anything about it.
Can't believe how many people like these exist. I think these forums are being overrun by newbies.
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