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
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 29, 14, 9:33 pm
  #7666  
O62
 
Join Date: Dec 2008
Posts: 136
Originally Posted by essentielle View Post
That just means either: (1) Chase has flagged it as a potentially fraudulent transaction and you just need to call them to confirm that you authorized the charge; or (2) your cash advance limit is too low so you just need to call Chase to increase the CA limit so the initial transaction can be processed.

Just did a load a few minutes ago with a Chase Ink Plus and it went through fine.
1) Tried once, they couldn't do anything. HUACA I guess.

2) It's over 1,000 - should be enough?
O62 is offline  
Old Oct 29, 14, 10:36 pm
  #7667  
 
Join Date: Oct 2012
Posts: 29
Originally Posted by JoseVerde View Post
1) Tried once, they couldn't do anything. HUACA I guess.

2) It's over 1,000 - should be enough?

Oops, totally skipped over the "CVS" part; thought you were loading elsewhere. Per several posts within the past 3-5 days, CVS has changed it up. No longer allowed.
essentielle is offline  
Old Oct 29, 14, 11:39 pm
  #7668  
 
Join Date: May 2014
Posts: 8
Originally Posted by floressalicis View Post
If you read the wiki you would know that only the initial pending state eats up cash advance and it posts as a purchase. The key here being that your Bold cards won't work as charge cards do not allow cash advance transactions. Apparently the literacy test is not working particularly well...
Sorry but I don't think you understood my original post. I was explaining what the chase rep told me. My serve credit card load through was not working with my chase ink plus (normally has worked for the past several months). I called into Serve they said they don't see anything unusual for blocking my transaction. I called Chase, they said Serve changed the transaction code for this type of transaction and said Serve blocks it on Serve's side.
travelcloud86 is offline  
Old Oct 30, 14, 8:45 am
  #7669  
 
Join Date: Sep 2014
Location: Columbus OH
Programs: IHG, Marriott, Carlson, AAdvantage, BC US Air, CapitalOne VentureOne
Posts: 37
Hello, I am new to MS and Serve. I have some questions that I'm curious about.

It looks like for in store loads, people are using GC's. Is there a GC that you can buy without paying fees? In my experience GCs always require a fee to load, true? Is there a machine for loading at FD? I don't really want to have to buy a GC from a cashier and then ask them to immediately load to Serve. It seems like that would raise a red flag and also possibly frustrate them due to inconvenience. Thanks!
minerman is offline  
Old Oct 30, 14, 8:45 am
  #7670  
 
Join Date: Nov 2012
Posts: 7
Anyone able to get in touch with Serve yet?

I got hit on my Citi HHilton cards for cash advances from Serve.

The transaction code changed sometime in mid-October and Citi told me that it was done by Serve and had nothing to do with them.

I can't find a way to contact Serve outside of calling and sitting on hold and playing the phone maze...has anyone been able to find out why Serve would have made this change? It can't possibly be beneficial to them and I'm wondering if they're going to revert to coding as a purchase or if I should cancel my Serve cards.

PDG
PacoDeGato is offline  
Old Oct 30, 14, 9:10 am
  #7671  
 
Join Date: Sep 2014
Posts: 70
Sorry if this has been asked before, but for FD loads do you need to do a full separate transaction for each card or can their machines handle doing it all at once. Ex. say I have 2 $200 gift cards and want to load do I have to do 2 separate $200 loads or can I do one $400? I didn't want to test this the other day since I know that people have had issues with their GCs being liquidated and not showing up on their Serve at FD.
fropones is offline  
Old Oct 30, 14, 9:15 am
  #7672  
 
Join Date: Dec 2004
Posts: 6,777
Originally Posted by fropones View Post
Sorry if this has been asked before, but for FD loads do you need to do a full separate transaction for each card or can their machines handle doing it all at once. Ex. say I have 2 $200 gift cards and want to load do I have to do 2 separate $200 loads or can I do one $400? I didn't want to test this the other day since I know that people have had issues with their GCs being liquidated and not showing up on their Serve at FD.
You can only do 1 load each day. (I don't know if a split transaction to get a $400 load is allowed, but I have a hunch that it's not.)
rrgg is offline  
Old Oct 30, 14, 11:24 am
  #7673  
 
Join Date: Jun 2014
Posts: 19
Originally Posted by travelcloud86 View Post
Sorry but I don't think you understood my original post. I was explaining what the chase rep told me. My serve credit card load through was not working with my chase ink plus (normally has worked for the past several months). I called into Serve they said they don't see anything unusual for blocking my transaction. I called Chase, they said Serve changed the transaction code for this type of transaction and said Serve blocks it on Serve's side.
Are you certain your cash advance limit isn't set to zero? This is what happened to me. Chase increased it to $200 and everything was back to normal.
pennstate94 is offline  
Old Oct 30, 14, 11:38 am
  #7674  
 
Join Date: Aug 2013
Posts: 1,207
Originally Posted by PacoDeGato View Post
I got hit on my Citi HHilton cards for cash advances from Serve.

The transaction code changed sometime in mid-October and Citi told me that it was done by Serve and had nothing to do with them.

I can't find a way to contact Serve outside of calling and sitting on hold and playing the phone maze...has anyone been able to find out why Serve would have made this change? It can't possibly be beneficial to them and I'm wondering if they're going to revert to coding as a purchase or if I should cancel my Serve cards.

PDG
How would this change NOT be beneficial to them? By coding it as a purchase, they are paying credit card fees to give you money.... They say up front that you may incur a cash advance fee by your bank, so they covered their tails. Its 100% not their fault that you still decided to load with your credit card Just chalk it up to cost of doing business and move on like the rest. Or... follow this thread closer and you might have seen others datapoints first and avoided this.
hamokmonky is offline  
Old Oct 30, 14, 11:52 am
  #7675  
 
Join Date: Sep 2014
Posts: 70
Originally Posted by rrgg View Post
You can only do 1 load each day. (I don't know if a split transaction to get a $400 load is allowed, but I have a hunch that it's not.)
A split transaction definitely works because I did 3 separate GCs for a total of $425 and it posted instantly.
fropones is offline  
Old Oct 30, 14, 12:01 pm
  #7676  
 
Join Date: Apr 2003
Location: Atlanta
Programs: AA Lifetime Gold, Marriott Silver, Starwood Platinum
Posts: 3,656
Loaded $1500 then when I tried to do another $500 said it had to be approved and that an associate will be there shortly. I walked away now off to the next walmart to get rid of the other $1000.
zsmith2 is offline  
Old Oct 30, 14, 12:02 pm
  #7677  
 
Join Date: Nov 2011
Location: ORD
Programs: status free since 2017
Posts: 1,968
Does anyone know why/when Serve triggers DL scan (@CVS) for cash loads? I was prompted last evening while doing a reload using cash... that was new to me.
carsnoceans is offline  
Old Oct 30, 14, 12:04 pm
  #7678  
 
Join Date: Oct 2014
Posts: 14
Originally Posted by minerman View Post
Hello, I am new to MS and Serve. I have some questions that I'm curious about.

It looks like for in store loads, people are using GC's. Is there a GC that you can buy without paying fees? In my experience GCs always require a fee to load, true? Is there a machine for loading at FD? I don't really want to have to buy a GC from a cashier and then ask them to immediately load to Serve. It seems like that would raise a red flag and also possibly frustrate them due to inconvenience. Thanks!
Hi minerman. I too, am new to MS and Serve. However, I've done a fair amount of reading, and I believe this question has been tangentially discussed in some form or another many times. From what I've heard: No, there is no GC that does not charge a fee. However, I believe people playing this game deem the fee to be the cost of doing business, and more than made-up-for by the fact that most credit cards you're using to buy the gift card give you a bonus. Say it's a 1% cash back card (not very good, but certainly easily obtainable). 1% of $500 is $5. If you can find a gift card with a $2.95 fee, or even $3.95 or $4.95, that's still "net profit" you're making, even paying the activation fee on the gift card. Couple that with meeting the minimum spend on a credit card for the sign-up bonus (as I understand it, the real incentive), and you're definitely net plus. Use a card with more miles or cash back than 1%... well, you get the idea.

Now, to your other question about buying a GC from a cashier and then asking them to load it onto Serve: I believe everyone would unequivocally tell you that is a HUGE 'NO!!!' Definitely do not do this. At minimum, go to a different store from where you bought the GC. It would DEFINITELY raise red flags.
Mirnada is offline  
Old Oct 30, 14, 1:25 pm
  #7679  
 
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Originally Posted by PacoDeGato View Post
I got hit on my Citi HHilton cards for cash advances from Serve.

The transaction code changed sometime in mid-October and Citi told me that it was done by Serve and had nothing to do with them.

I can't find a way to contact Serve outside of calling and sitting on hold and playing the phone maze...has anyone been able to find out why Serve would have made this change? It can't possibly be beneficial to them and I'm wondering if they're going to revert to coding as a purchase or if I should cancel my Serve cards.

PDG
Various Wikis will tell you that you'll get charged Cash Advanced if you mess with Citi.
Membersince2013 is offline  
Old Oct 30, 14, 1:46 pm
  #7680  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by Membersince2013 View Post
Various Wikis will tell you that you'll get charged Cash Advanced if you mess with Citi.
not with DCB Mastercard
Mamibear is offline  

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