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 17, 14, 10:36 am
  #7411  
 
Join Date: Mar 2014
Posts: 226
Originally Posted by travel light View Post
According to the Serve representative, the reason the first load from a Club Carlson Visa was coded as a purchase while the next were coded as quasi-cash is that the first was manual, while the rest were automatic loads I had calendared in the Serve account.

If this is true, it may still be possible to use the Carlson Visa for Serve loads as long as these are each done individually, and not by setting Serve to load from the card automatically.
That could in fact be true, but I also wouldn't count on the Serve reps to know what they're talking about.
dboston1 is offline  
Old Oct 17, 14, 10:52 am
  #7412  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,354
Originally Posted by dboston1 View Post
That could in fact be true, but I also wouldn't count on the Serve reps to know what they're talking about.
Serve reps definitely don't know what they are talking about. I had 2 encounters with them last month where they couldn't even answer questions about their products. Plus I had gone over the monthly $10k limit by mistaken (transferring money) and the rep didn't even think to check it when I had issues with reloading. It wasn't until an hour or so later that I figured it out on my own.
cdancer20 is offline  
Old Oct 17, 14, 10:59 am
  #7413  
 
Join Date: Oct 2014
Posts: 9
I had loads to Serve from the Club Carlson Visa on 10/9 and 10/10. Both were manual and both charged me the $10 Cash Equivalent fee.
overbayy is offline  
Old Oct 17, 14, 11:36 am
  #7414  
 
Join Date: Jul 2014
Posts: 56
Originally Posted by k81689 View Post
Update
Raise Chase Amazon VISA Cash Advance Limited to $218.00
Bill Pay Prepaid $250.00 to Chase Amazon VISA
Serve charged Chase Amazon $200.00

Chase Account:
Cash Advance
Cash Advance Balance $0.00
Cash Advance Limit $218.00
Available for Cash Advance $18.00

10/15/2014 Pending AMERICAN EXPRESS SERVE $200.00
Update

10/15/2014 10/16/2014 Sale AMERICAN EXPRESS SERVE $200.00
Print 8009540559, FL 337010000 US
Online, Mail, or Telephone transaction
Rewards earned1
+ 1% back on all other Visa Card purchases 200.00
Total rewards 200.00 Points


Amazon Chase Conclusion
Serve charged counted as "Sale"
Cash Advance Limit must be no less than $200 for $200 server charge.
Cash Advance Limit must be no less than $400 for $200 server charge with no 2 days waiting for clear.

If you are worried about Cash Advance charge, prepaid advance to limit the interest charge.
k81689 is offline  
Old Oct 17, 14, 12:04 pm
  #7415  
 
Join Date: Apr 2013
Location: BOS
Programs: AA ExP || SPG Plt || Honors Diamond || UA Silver
Posts: 171
Reduced the cash advance limit of my Citi AA AMEX to 0. Loaded $200 today and it went through. Citi posted it as "MISCELLANEOUS / SPECIALTY RETAIL STORES". Maybe just a matter of Visa/Mastercard/Amex.
mrsmsr is offline  
Old Oct 17, 14, 12:42 pm
  #7416  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,113
Originally Posted by Blueskyheaven View Post
$35 in fees and interest charge for $750 load on Citi HIlton visa. It posted as CA for days and days later, the fee appeared.
What was the charge and posting date and the CA date?
frudd38 is offline  
Old Oct 17, 14, 6:49 pm
  #7417  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by bookemdano View Post
FYI, the SIM card has nothing to do with it on an iPhone. That is only for Android phones which have built-in NFC. Since the iPhones have no NFC capability the entirety of the NFC infrastructure exists inside the cashwrap case. So the function that the "Secure element" SIM card serves for Android phones is provided by the "Secure element" MicroSD card in the cashwrap for iPhones.

I've set up seven iPhone 4S in cashwrap cases and none of those iPhones was using any kind of special SIM card--in fact some were even using super-old full-size SIM cards that were cut down to micro-SIM size.

I was also able to set all these phones up on Softcard without needing any special AT&T provisioning on the account. When I was in the AT&T store buying the cases they tried to tell me I needed to add a special ISIS plan to the lines I was activating the cases on. I told them I'd do it later but in the end it doesn't appear to have been needed at all.

In my experience you definitely need cellular data on in order to set up the Softcard account, add cards to the wallet, or pay with the wallet.
That may be so but when I put my cashwrap case on our iPhone 5 and 5s and loaded the ISIS app the first thing that came up was a message that said something like:

"AN ENHANCED SIM CARD IS NEEDED, please go to your AT&T dealer to obtain one." I did that, swapped it in the store and it immediately worked. The new SIM card was a slightly different color on the top.

The app simply wouldn't let me create an account without the "enhanced SIM card" installed. Maybe I was just unlucky?
MisterEdF is offline  
Old Oct 17, 14, 6:57 pm
  #7418  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by cdancer20 View Post
You are all missing the point that SoftCard does not exist only to support Serve. They are two totally different companies. You can still use Softcard with other CCs - Amex, Wells Fargo, and Chase. Serve is just "another" card.
TRUE, but it is SERVE w/ISIS we are discussing in this thread and not any other card so I don't quite get your point (at least as it is directed to me).
MisterEdF is offline  
Old Oct 17, 14, 7:26 pm
  #7419  
 
Join Date: Feb 2006
Posts: 32
Originally Posted by MisterEdF View Post
That may be so but when I put my cashwrap case on our iPhone 5 and 5s and loaded the ISIS app the first thing that came up was a message that said something like:

"AN ENHANCED SIM CARD IS NEEDED, please go to your AT&T dealer to obtain one." I did that, swapped it in the store and it immediately worked. The new SIM card was a slightly different color on the top.

The app simply wouldn't let me create an account without the "enhanced SIM card" installed. Maybe I was just unlucky?
You're sure the message you're talking about wasn't on your Android phone rather than the iPhone? Because the purpose that the Enhanced SIM card serves on Android phones is provided by the secure element microsd card on the iPhones (that being an encrypted storage location for the Softcard NFC data).

When the microsd card is not inserted the ISIS iPhone app will pop up the message "Isis cannot connect to your micro SD card. Please ensure your micro SD card is properly inserted in your case". Are you sure that's not the message you saw on your 5/5S?

The only other thing I could think of is if the iPhone 5/5S cashwrap case is somehow different than the 4/4S one. I actually did connect my iPhone 5S to a 4 cashwrap case via a lightning-to-30-pin adapter cable and still never got any message about needing an enhanced SIM.

But fundamentally, there should be no need for an enhanced SIM with the iPhones because the microSD card inside the cashwrap provides the secure storage area for the wallet (on an android phone the enhanced SIM provides that storage area.

Anyway, just wanted to provide my experience. Some of the SIM cards I used to activate the ISIS softcard accounts were five years old--certainly not enhanced and the ISIS app let me activate the account just fine.
bookemdano is offline  
Old Oct 17, 14, 8:02 pm
  #7420  
 
Join Date: Jul 2014
Location: New York
Posts: 12

Citi Hilton HHonors Visa Signature® Card
-- Minimum expense $1000 in 3 months

Hilton HHonors Card from American Express
-- Minimum expense $750 in 3 months

Just applied for both & wondering if these 2 are treated as cash advance with Serve or I can earn points? I Did read the wiki but want to be sure.

Thanks.
trueflyer123 is offline  
Old Oct 17, 14, 9:01 pm
  #7421  
 
Join Date: Apr 2010
Location: SFO
Programs: A3 *G; HH Diamond;
Posts: 1,515
Originally Posted by trueflyer123 View Post

Citi Hilton HHonors Visa Signature® Card
-- Minimum expense $1000 in 3 months

Hilton HHonors Card from American Express
-- Minimum expense $750 in 3 months

Just applied for both & wondering if these 2 are treated as cash advance with Serve or I can earn points? I Did read the wiki but want to be sure.

Thanks.
Yes.
geclub1 is offline  
Old Oct 17, 14, 10:32 pm
  #7422  
 
Join Date: Jul 2014
Location: New York
Posts: 12
Originally Posted by geclub1 View Post
Yes.

Thanks for the reply, but "yes" mean I will earn points by loading money into serve or I won't? For both cards

Thanks.
trueflyer123 is offline  
Old Oct 17, 14, 11:09 pm
  #7423  
 
Join Date: Apr 2010
Location: SFO
Programs: A3 *G; HH Diamond;
Posts: 1,515
Originally Posted by trueflyer123 View Post

Thanks for the reply, but "yes" mean I will earn points by loading money into serve or I won't? For both cards

Thanks.
Yes, you will be charged as cash advances. Per Wiki.
geclub1 is offline  
Old Oct 17, 14, 11:24 pm
  #7424  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,762
Originally Posted by trueflyer123 View Post

Citi Hilton HHonors Visa Signature® Card
-- Minimum expense $1000 in 3 months

Hilton HHonors Card from American Express
-- Minimum expense $750 in 3 months

Just applied for both & wondering if these 2 are treated as cash advance with Serve or I can earn points? I Did read the wiki but want to be sure.

Thanks.
If you dont trust Wiki, then do some homework by simply reading a few pages back on this very thread. You will see actual wordings of posted charges on Citi HHonors Visa more than once and there should not be any confusion in your part if you read those posts.
Happy is offline  
Old Oct 18, 14, 12:47 am
  #7425  
 
Join Date: Jul 2013
Posts: 1,761
Originally Posted by trueflyer123 View Post

Citi Hilton HHonors Visa Signature® Card
-- Minimum expense $1000 in 3 months

Hilton HHonors Card from American Express
-- Minimum expense $750 in 3 months

Just applied for both & wondering if these 2 are treated as cash advance with Serve or I can earn points? I Did read the wiki but want to be sure.

Thanks.
i earned zero (0) points for my 10/9th Citi HIlton visa load and was even charged $35 in fees and interest for $750 useless load
Blueskyheaven is offline  

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