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 15, 14, 1:46 pm
  #7351  
 
Join Date: May 2013
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Originally Posted by abbazappaplant View Post
so is the trend at the moment, Visa is problematic and Mastercard looks to be somewhat working, but with changed transaction coding? And chase is still safe?
Chase and Barclays both still have Serve loads coding as purchases, even with their Visas. I believe there are data points earlier with Barclay's priceline Visa.
floressalicis is offline  
Old Oct 15, 14, 3:06 pm
  #7352  
 
Join Date: Nov 2012
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another one can confirm BOA charged $25 CA (OUCH!!!) for transactions posted on 10/14 here.

Bank of America Cash Reward VISA
h3lloworld is offline  
Old Oct 15, 14, 3:42 pm
  #7353  
 
Join Date: Jan 2013
Location: CA
Posts: 188
Originally Posted by fletch512 View Post
Does Chase treat Serve transactions as a credit card load or as a cash advance? Hmmm...I wonder where one would find that information. Or if I had a question about an Ink card, I wonder what search term I would use in this thread?
I have been long enough on FT to know that nothing comes free without due diligence. I have read this whole thread for most part...Its just that with the recent CA fees on citi and bofa cards, I am left with my ink bold. I know ink plus allows serve loads but may be bold does not since its a charge card. My bold transaction was declined by chase and I wanted to confirm before calling chase.
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Old Oct 15, 14, 4:24 pm
  #7354  
 
Join Date: Jul 2014
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Originally Posted by somy View Post
I have been long enough on FT to know that nothing comes free without due diligence. I have read this whole thread for most part...Its just that with the recent CA fees on citi and bofa cards, I am left with my ink bold. I know ink plus allows serve loads but may be bold does not since its a charge card. My bold transaction was declined by chase and I wanted to confirm before calling chase.
You are right. Bold will get decline because charge cards do not have CA available.
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Old Oct 15, 14, 4:53 pm
  #7355  
 
Join Date: Dec 2011
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Originally Posted by dagaetch View Post
I cannot get my Barclay card added, I've tried every combination I know of the address on one or two lines and it just keeps giving me an error. I checked the address against my Barclay statement and they match, it just doesn't want to work. Any suggestions?
Same issue here. Tried every which way. No luck.
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Old Oct 15, 14, 5:37 pm
  #7356  
 
Join Date: Jan 2014
Posts: 13
Perhaps someone can direct me to the correct answer as I didn't see in the wiki or answered when I searched through the thread.

I originally had my Amex serve for a long time. I just got ISIS/softcard added on my phone recently to hopes of upping my online load limit to $1,500 monthly.

Apparently the correct procedure would have been to get softcard first and then got Serve afterwards but obviously I couldn't do it.

Is there a procedure to allow me to increase my limit to $1,500 or am I SOL?

Last edited by Kingslugger; Oct 15, 14 at 5:38 pm Reason: The reason for posting is because I'm still only seeing the $1,000 limit.
Kingslugger is offline  
Old Oct 15, 14, 6:48 pm
  #7357  
 
Join Date: Oct 2014
Posts: 4
I have sent my relative a test check using billpay service just to see how it looks like before actually paying my rent with it.

The amount on the check is immediately subtracted from the balance - what happens if the check is left alone and not deposited? Does it credit the amount back after the check has expired? And how long does it take for the check to expire?
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Old Oct 15, 14, 6:54 pm
  #7358  
 
Join Date: May 2009
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Originally Posted by BeckhamsTears View Post
Same issue here. Tried every which way. No luck.
I've had the same issues. You have to call in to Customer Service (Serve). They'll try and add it themselves and when it fails, they'll call tech support on their end and get it added no problem. I had to do this with 3 separate accounts so far with Barclays.
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Old Oct 15, 14, 6:57 pm
  #7359  
 
Join Date: Jan 2014
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Originally Posted by kyva1929 View Post
I have sent my relative a test check using billpay service just to see how it looks like before actually paying my rent with it.

The amount on the check is immediately subtracted from the balance - what happens if the check is left alone and not deposited? Does it credit the amount back after the check has expired? And how long does it take for the check to expire?
Did one accidentally. Takes about 90-120 days for the money to come back.
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Old Oct 15, 14, 7:03 pm
  #7360  
 
Join Date: Jan 2013
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Originally Posted by Lumpylump76 View Post
Did one accidentally. Takes about 90-120 days for the money to come back.
How does the check look like? Does it have the address the check was sent to anywhere on the check itself?

I'd like to a pay property tax a bill but would rather hand in the check myself.
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Old Oct 15, 14, 7:52 pm
  #7361  
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Originally Posted by frudd38 View Post
How does the check look like? Does it have the address the check was sent to anywhere on the check itself?

I'd like to a pay property tax a bill but would rather hand in the check myself.
Just be aware - the check does NOT support electronic deposit, i.e. because it is not tied to your real bank account, but a master bank account, if your payee use electronic deposit mechanism, the check would bounce. Check only works when it is PHYSICALLY deposited to the bank branch.

Please remember these prepaid accounts are NOT a substitute to your regular bank account - many functions a regular bank account routinely handled, are NOT supported by these prepaid accounts.

If you want to pay your property tax, the better way is to either deposit the check to your bank account, or withdraw fund to your bank account that links to the Serve account, then pay the property tax from your real bank account.
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Old Oct 15, 14, 8:51 pm
  #7362  
 
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citi AA platinum visa:

10-08-2014 AMERICAN EXPRESS SERVE 8009540559 FL MORTGAGE CO/NONFINANCIAL INST/TRAVEL CHK $ 200.00
Transaction Type: Cash Advances
Posted Date : 10-08-2014
coolguy100 is offline  
Old Oct 15, 14, 10:22 pm
  #7363  
 
Join Date: Jul 2014
Posts: 119
Barclay arrival+ load on 10/14:

Confirmed as purchase and earned points

Description: AMERICAN EXPRESS SERVE
Merchant Location:* 8009540559 FL
Merchant Category: POI FUNDING TRANSACTIONS(EXCLUDING MONEYSEND)
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Old Oct 15, 14, 10:28 pm
  #7364  
 
Join Date: Oct 2014
Posts: 23
I called the Bank of America and asked them about the CA fees. I was told that Serve is Charging the transaction as Cash Advance now. I have used BOFA card last month and it was marked as purchases. But serve has now started marking transactions as "CA"
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Old Oct 15, 14, 10:47 pm
  #7365  
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Originally Posted by Kingslugger View Post
Is there a procedure to allow me to increase my limit to $1,500 or am I SOL?
Read the wiki.
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