Serve - Another Paypal/Amazon Payments.

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Old Jan 26, 15, 10:01 am   -   Wikipost
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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.
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People with an apartment address can find helpful information quoted in post #8530
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Old Oct 13, 14, 11:05 pm
  #7306  
 
Join Date: Apr 2014
Posts: 137
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.
Yes please do, dont forget to mention the warning next to the serve reload which says you might be charged a cash advance.
seahawksunite is offline  
Old Oct 13, 14, 11:09 pm
  #7307  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
Originally Posted by Gammachu View Post
Can't believe how many people like these exist. I think these forums are being overrun by newbies.
it's raining stoopids off late.
coolblues is offline  
Old Oct 14, 14, 12:13 am
  #7308  
 
Join Date: Oct 2014
Posts: 21
Chase Ink Business Plus Visa

Just had this posted to my Chase Ink Business Plus Visa:
10/10/2014 10/12/2014 Sale AMERICAN EXPRESS SERVE Finance & Other

Previous serve loads had been posting as RECREATION. So the category is new but it is still posting as a sale not a CA.
bamacbat is offline  
Old Oct 14, 14, 1:17 am
  #7309  
 
Join Date: Dec 2013
Posts: 3,085
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.
Basically both companies are telling you to suck it up and pay the CA fee. There is no dispute on these transactions since they aren't purchases. Plain and simple. You obviously ignored the warning signs on the Serve website loading screen when it said that CA fees may be applied with CC load.
ericdabbs is offline  
Old Oct 14, 14, 2:15 am
  #7310  
 
Join Date: Oct 2014
Posts: 4
Citi double cash world master card, loaded on 10-10-2014 online coded as purchase:

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

Transaction Type:
Posted Date :

Purchases
10-10-2014
kyva1929 is offline  
Old Oct 14, 14, 3:37 am
  #7311  
 
Join Date: Sep 2014
Posts: 3
Delete

Last edited by Ashjam67; Nov 14, 14 at 7:45 am
Ashjam67 is offline  
Old Oct 14, 14, 4:35 am
  #7312  
 
Join Date: Jul 2010
Location: PHL
Programs: AA Plat, WoH Glob, HHonors (faux) Diamond
Posts: 2,919
Originally Posted by foofiter View Post
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
+1 for Barclays USAirways Mastercard (10/6, then 10/10) ... it does seem to still be a purchase. On the other hand, the change seems a bit ominous, and I have no idea how (or when) Barclays indicates CA on the account website.
Biggie Fries is offline  
Old Oct 14, 14, 6:44 am
  #7313  
 
Join Date: Oct 2014
Posts: 25
Originally Posted by Ashjam67 View Post
Capital One Venture Visa load on 10/08 coded as Merchandise.
Load on 10/13 coded as Other Services

Both went through as Purchases with no CA.
Thx; please update you know if u earned rewards on this transaction
zjts is offline  
Old Oct 14, 14, 6:59 am
  #7314  
 
Join Date: Jul 2014
Posts: 427
Originally Posted by Biggie Fries View Post
+1 for Barclays USAirways Mastercard (10/6, then 10/10) ... it does seem to still be a purchase. On the other hand, the change seems a bit ominous, and I have no idea how (or when) Barclays indicates CA on the account website.
I think the only way to tell with them is when the fee posts in your recent transactions (and your serve transaction would not have any indication of earned points).
bigugly is offline  
Old Oct 14, 14, 7:11 am
  #7315  
 
Join Date: Aug 2003
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Originally Posted by Ashjam67 View Post
Capital One Venture Visa load on 10/08 coded as Merchandise.
Load on 10/13 coded as Other Services

Both went through as Purchases with no CA.
How anyone tried the Quick Silver Master card by Capital one?
milemission is online now  
Old Oct 14, 14, 9:05 am
  #7316  
 
Join Date: Feb 2012
Location: LAX
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Posts: 1,453
Originally Posted by annhedonia View Post
Thanks, much. I can wait one more day--or two--to see what happens. Will be watching for your post.
All transactions have posted on my Ink Plus Visa (10/8-10/12) as sales, no CA fees.
roki is offline  
Old Oct 14, 14, 10:06 am
  #7317  
 
Join Date: Sep 2014
Location: Indiana
Programs: United, AA, Chase
Posts: 31
I have a Citi HHonors card that is showing a pending CA fee. I will let you know if it posts.
kosmoyagkoto is offline  
Old Oct 14, 14, 10:24 am
  #7318  
 
Join Date: May 2014
Posts: 20
US Bank Club Carlson Visa
Transaction date 9/10, posted with $10 "Cash Equivalent Fee".
Xonim is offline  
Old Oct 14, 14, 10:42 am
  #7319  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,872
Originally Posted by Biggie Fries View Post
+1 for Barclays USAirways Mastercard (10/6, then 10/10) ... it does seem to still be a purchase. On the other hand, the change seems a bit ominous, and I have no idea how (or when) Barclays indicates CA on the account website.
Barclays does not show a cash advance limit on its website so it is a bit of legwork to guess it by using the Available Credit Limit and the Credit Line, and see the difference matches up with all your billed and pending items. If not, then figure out where the discrepancies might come (an item pending but never billed, such as hotel authorization, could fall off from the pending online but still in Barclays system that is what I have found out yesterday when doing this exercise.)

Alternatively you can use the phone system which would tell you your Cash Advance Limit is. Any reduction of it should be obvious to you.

Originally Posted by bigugly View Post
I think the only way to tell with them is when the fee posts in your recent transactions (and your serve transaction would not have any indication of earned points).
This is also another way to tell but it has a minimum 2 days lag because pending would not show pts earned.

Phone system probably is the fastest and easiest.
Happy is offline  
Old Oct 14, 14, 11:05 am
  #7320  
jmw
 
Join Date: Jan 2003
Location: Northern California
Posts: 744
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.
Extremely selfish behavior here (especially calling the credit card issuer).

I'll explain it in terms of your own self interest since you don't seem to care about the rest of us. You don't call BofA, especially if you are doing other MS. Your account may be scrutinized for other forms of cash advance disguised as purchase. That may lead to account closure and the loss of that credit line towards utilization. The right thing to do is to eat the cash advance fee and don't call. Pay the card down to zero ASAP to minimize interest.
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