Last edit by: JAXBA
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
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
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:
Treated as purchase, but doesn't earn points/miles:
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
Switching from BB to Serve
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:
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
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
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
- 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.
- 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.
- 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.
- 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.
- Launch Softcard Mobile app again click add new
- 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
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- 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."
- 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!!)
- 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
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- 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.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- 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.
- 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
Serve - Another Paypal/Amazon Payments.
#7591
Join Date: Jun 2010
Location: Sacramento, CA
Posts: 40
Hard Pull Refresh
I previously had a $0 CA limit and had to request another hard pull to re-up my CA limit on my Chase UA MileagePlus Explorer Visa. Oddly, the CSR said that it was not possible to increase my CA limit because their records showed that feature was never authorized on the account (curious because it was set at $2k before I had it dropped when I got the card). At any rate, I raised the CA on 10/24 and Serve let me load it after sending in proof of ownership and identity. Sadly, you can only have one active CC on the account at a time so it's a minor pain when you switch funding sources the first time around.
#7592
Join Date: Oct 2011
Posts: 93
I cancelled my regular Serve and signed up for a new Serve/Softcard. I received and activated the new Serve card. My first $500 load with my new Chase UA Visa was successful. My cash advance was reduced by $500 but two days later the transaction was posted as a sale.
Last Friday I tried to do the second $500 load with my Chase UA Visa but I got a message saying the transaction was declined by the bank issuer. So I switched to my Chase Sapphire Preferred and I can load my second $500 with no problem.
Today I switched back to my Chase UA Visa and tried to do the third $500 load but I got the same message. I called Serve and they said I need to contact Chase.
Does anybody have the same problem? Should I call Chase?
Last Friday I tried to do the second $500 load with my Chase UA Visa but I got a message saying the transaction was declined by the bank issuer. So I switched to my Chase Sapphire Preferred and I can load my second $500 with no problem.
Today I switched back to my Chase UA Visa and tried to do the third $500 load but I got the same message. I called Serve and they said I need to contact Chase.
Does anybody have the same problem? Should I call Chase?
#7593
Join Date: Apr 2014
Posts: 35
Log onto your Chase account (or call); it's likely a fraud alert and you need to clear it before you can use your card again. It happened to me after my first 2 Freedom loads; I've had no more alerts after clearing the charges.
#7594
Join Date: Mar 2014
Location: South Florida
Posts: 13
Hey guys, not sure where to post it, but today I had issues with the NFC acceptance at CVS today (using ISIS/Softcard to get a dollar back per each dollar used). I tried Serve, and a few other CC's that I have added (for the amazon gc promo) and all were denied. I am able to use my creditcard with a swipe, but not with the NFC purchase.
http://www.theverge.com/2014/10/25/7...-out-apple-pay
Read an article on that, and I'm wondering if anyone else experienced this. Or is this just my issue?
http://www.theverge.com/2014/10/25/7...-out-apple-pay
Read an article on that, and I'm wondering if anyone else experienced this. Or is this just my issue?
Everyone is cracking down on us!!! I hope Walgreens and Whole Foods are still accepting it.
#7595
Join Date: Apr 2014
Posts: 35
I paid with Softcard at my local Walgreens yesterday; can't speak for Whole Foods.
#7596
Join Date: Jul 2011
Posts: 129
http://www.nytimes.com/2014/10/27/te...er=rss&emc=rss
^ A more fleshed out article.
#7597
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Anyone else noticing payments being delayed, particularly to Chase? I had a payment that should have been received Thursday that has not posted yet.
#7598
Join Date: Nov 2006
Location: Left Coast
Programs: UA 1K & 1MM, HH Diamond, Marriott/SPG Gold (UA comp)
Posts: 1,353
Something's going down with Chase, just had an online load denied, where previously there were no issues with the same card. I am afraid to call them. What would I say if they asked what the payment was for? No, too risky for now...
#7599
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
I am not going to call for at least another day.
#7600
Join Date: Dec 2004
Posts: 7,904
http://www.flyertalk.com/forum/manuf...confirmed.html
#7601
Join Date: Oct 2011
Posts: 93
Thank you. I called Chase and was able to do the third $500 load today.
#7602
Join Date: Jun 2013
Posts: 2,363
Still getting the "Error Card Issuer Declined Transaction Code" message when trying to Link my Ink. Anyone else get this? I tried calling Serve and they said Tech Support would fix it after 5 business days (this was over 5 business days ago...).
#7603
Join Date: Mar 2014
Location: San Francisco, USA
Programs: Hilton Gold, SPG Gold
Posts: 8
wondering if anyone has used his/her own serve to bill pay spouse's credit card. Plan to get a Target Redcard for my partner recently and she hates doing all MS which means I will use my credit card to purchase all gift cards. Since serve and redcard are built on the same platform, is it possible to bill pay another person's credit bill instead of being flagged out? I also notice it doesn't require to enter name of the credit card when adding a payee? does it set name of the account as default name of the credit card?
#7604
Used to be 'g_leyser'
Join Date: Jul 2002
Location: Brandon Johnson International Airport (expect delays)
Programs: AA PlatPro, HH Gold, Bonvoy Gold, IHG Plat, Reno Air MEGA Platinum
Posts: 10,037
So at this point are there any credit cards left that will work with Serve? Seems like all the majors are showing as cash advances now
I haven't activated our Serve cards yet, and at this point I'm thinking I may not. Any issues with just leaving the cards in place and not activating them?
I can't see why it would matter, but just wanted to see if others have experience with this.
I haven't activated our Serve cards yet, and at this point I'm thinking I may not. Any issues with just leaving the cards in place and not activating them?
I can't see why it would matter, but just wanted to see if others have experience with this.
#7605
Join Date: Jul 2014
Posts: 3,688
So at this point are there any credit cards left that will work with Serve? Seems like all the majors are showing as cash advances now
I haven't activated our Serve cards yet, and at this point I'm thinking I may not. Any issues with just leaving the cards in place and not activating them?
I can't see why it would matter, but just wanted to see if others have experience with this.
I haven't activated our Serve cards yet, and at this point I'm thinking I may not. Any issues with just leaving the cards in place and not activating them?
I can't see why it would matter, but just wanted to see if others have experience with this.
I don't think there's any adverse effects on you if you if you don't activate the card. Check this out, I may be wrong but weigh it carefully before you decide.