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.
===

People with an apartment address can find helpful information quoted in post #8530
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Old Nov 10, 14, 4:29 pm
  #7891  
 
Join Date: Feb 2006
Location: SFO
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Posts: 137
[Received referrals. Thanks.]

Last edited by christof; Nov 13, 14 at 12:15 am
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Old Nov 10, 14, 5:20 pm
  #7892  
 
Join Date: Apr 2012
Programs: 20 million points to burn!
Posts: 1,496
So the Barclays Arrival Plus card isn't treating online credit card loads as cash advances, and you're getting points for the transactions? The wiki seems to indicate that, but I just wanted to make sure...
Preacher7 is offline  
Old Nov 10, 14, 6:42 pm
  #7893  
 
Join Date: Sep 2012
Posts: 4,343
I withdrew $400 from Serve to my Greendot bank account sometime over the weekend (Friday, I think). When I log on Serve now, there's no record of this withdrawal, yet the amount has been deducted. I've withdrawn money to this same bank account a few times before but don't remember it being like this. I looked at past withdrawals, and they now read as "Withdrawal to Bank Greendot Bank". I tried a much smaller withdrawal a few minutes ago to test it, and the new pending one says "Withdrawal by Ach Greendot Bank xxxxxx1234". I searched through emails, and apparently Serve doesn't send email alerts for bank withdrawals. Basically, my Serve is short $400 and there's no accounting for it. Do Serve pending transactions 1-2 days old disappear like they do on Chase Ink cards? I'd rather not call and have the CSR see that I just load and withdraw and BP.
DaveInLA is offline  
Old Nov 10, 14, 7:03 pm
  #7894  
 
Join Date: Oct 2014
Location: LAC
Programs: Regal Crown Club
Posts: 488
I think Serve had a little glitch over the weekend. I paid a bill and the page went unresponsive a second after I hit the "pay" button. I closed and tried again half an hour later. The amount had been withdrawn from my balance but nothing showed up in the transactions. Another half hour later the transaction did show up. I never got the confirmation email tho...
Julian Brennan is offline  
Old Nov 10, 14, 7:12 pm
  #7895  
 
Join Date: Sep 2012
Posts: 4,343
Originally Posted by Julian Brennan View Post
I think Serve had a little glitch over the weekend. I paid a bill and the page went unresponsive a second after I hit the "pay" button. I closed and tried again half an hour later. The amount had been withdrawn from my balance but nothing showed up in the transactions. Another half hour later the transaction did show up. I never got the confirmation email tho...
Good to know that I'm not the only one with problems over the weekend. But your transaction eventually showed up, mine still has not.
DaveInLA is offline  
Old Nov 10, 14, 8:41 pm
  #7896  
 
Join Date: Nov 2014
Posts: 158
Tried to load funds to Serve at Family Dollar for the first time this evening using a VR (the one that stays in the store). The cashier said that it kept saying "Visa Tender Not Allowed." I tried using both my Marriott Rewards Visa and my Chase Sapphire preferred Visa. Same issue with both. At no point was I prompted for my PIN. Is there a step I'm missing?
Auerbach is offline  
Old Nov 10, 14, 8:50 pm
  #7897  
 
Join Date: Sep 2014
Programs: AA Plat, SPG Plat, Club Carlson Gold, Marriott Silver, Hertz Five Star
Posts: 30
Originally Posted by Auerbach View Post
Tried to load funds to Serve at Family Dollar for the first time this evening using a VR (the one that stays in the store). The cashier said that it kept saying "Visa Tender Not Allowed." I tried using both my Marriott Rewards Visa and my Chase Sapphire preferred Visa. Same issue with both. At no point was I prompted for my PIN. Is there a step I'm missing?
They need to run it as credit. You don't need to enter a pin at family dollar.
kmhills22 is offline  
Old Nov 11, 14, 4:34 am
  #7898  
 
Join Date: Mar 2014
Location: Florida
Posts: 246
Originally Posted by Auerbach View Post
Tried to load funds to Serve at Family Dollar for the first time this evening using a VR (the one that stays in the store). The cashier said that it kept saying "Visa Tender Not Allowed." I tried using both my Marriott Rewards Visa and my Chase Sapphire preferred Visa. Same issue with both. At no point was I prompted for my PIN. Is there a step I'm missing?
You can't load serve at FD with a credit card. You need a debit card.
DrForce is offline  
Old Nov 11, 14, 8:22 am
  #7899  
 
Join Date: Nov 2014
Posts: 158
Originally Posted by DrForce View Post
You can't load serve at FD with a credit card. You need a debit card.
Yeah I'm still new to this and piecing it all together. My understanding is that I need to use my credit card to purchase a gift card that has a pin (and thus works like a debit card), correct? Can I buy those at FD, or do I need to buy them elsewhere and then bring them to FD? Will any Visa or MC gift card work (as long as it has a PIN)?
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Old Nov 11, 14, 11:09 am
  #7900  
 
Join Date: Sep 2014
Posts: 70
So the wiki says that you can load up to 3 cards per transaction at WM. I went to go load 3 $200 cards onto my serve and told the cashier I was loading $600. I swiped the first card and it was declined so we did 3 separate transactions. Is there something I'm missing? Was there something she had to do on her end?
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Old Nov 11, 14, 11:14 am
  #7901  
 
Join Date: Oct 2012
Location: BOS, PVD
Programs: SPG Gold, Hyatt Pt, CBP Global Entry
Posts: 94
Originally Posted by fropones View Post
So the wiki says that you can load up to 3 cards per transaction at WM. I went to go load 3 $200 cards onto my serve and told the cashier I was loading $600. I swiped the first card and it was declined so we did 3 separate transactions. Is there something I'm missing? Was there something she had to do on her end?
Tell her you want to pay using 3 cards-$200 each. She'll enter 200, then you swipe your 1st card and so on.
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Old Nov 11, 14, 1:52 pm
  #7902  
 
Join Date: May 2011
Location: CMH
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Serve Load Fails at FD

I was at multiple FD's this week where the clerks would not load my Serve card with Visa GC's. They said the policy is cash only. Is this regional or spreading across the country?
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Old Nov 11, 14, 2:24 pm
  #7903  
 
Join Date: Oct 2012
Location: BOS, PVD
Programs: SPG Gold, Hyatt Pt, CBP Global Entry
Posts: 94
Originally Posted by rxgeek View Post
I was at multiple FD's this week where the clerks would not load my Serve card with Visa GC's. They said the policy is cash only. Is this regional or spreading across the country?
I didn't have any problems last week. I'll try tomorrow.
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Old Nov 11, 14, 3:04 pm
  #7904  
 
Join Date: Sep 2014
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Originally Posted by ngoc92 View Post
I didn't have any problems last week. I'll try tomorrow.
Worked for me 2 weeks ago but was told cash only at 6 FD's this past weekend. Looks like the jig is up
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Old Nov 11, 14, 3:12 pm
  #7905  
 
Join Date: Dec 2010
Posts: 1,287
Originally Posted by miadeals View Post
OK I FIGURED IT OUT - for those of us who live in APARTMENTS!

That was the problem!

So, this is what Barclays does: You give them your home address, like 1234 Main St, Apt 999.

Barclay's system immediately ignores USPS convention and every other source of logic, and they put the apartment on the FIRST LINE instead of the second line like they are supposed to, and put your street address on the second line instead of the first line. Basically, their system looks for anyone with an address at an apartment, and swaps them, contrary to USPS convention.

So, in their AVS (Address Verification System) your address is saved as this:
Apt 999
1234 Main St

So, when Amex goes to authorize it, the AVS comes back as "no match."

So, first I went into my Barclay's profile, and fixed my address: I put the street address first, the apartment second, and saved it.

By the next day Barclay's had swapped them back!

So I went in and tried to fix it again. Then I went to Serve and tried to authorize it immediately. Still wouldn't work - because although its fixed in your online account, it is STILL not fixed in their AVS system - which is probably updated once a day, AFTER they "fix" your address!

Now, I run a business and have a merchant account, so I started running my card for $1 to see what was going on. First I tried with my address "1234 Main St" and was DECLINED. Then I tried with my address as "Apt 999" and was APPROVED.

So I realized their AVS is not updated. So I go to Serve, and try "Apt 999".

FAIL. I have no idea why.

So THEN I try, and this is insane, just "Apt".

Yes, when it asked for address, I put:

APT

And bingo, Serve approves me.



What a crap company Barclay's is.

TL;DR: if you live in apartment and try to load your Barclay's card to Serve, go to your Profile in Barclay's, look at ONLY THE VERY FIRST NUMBER OR WORD THEY HAVE for your address, and ONLY put that in - nothing more, nothing less. Do not try to fix it, do not try to change it, do not put anything else in. For street address you put the first "word" or "number" on your street address in the profile as barclay's tells you they are. Barclay's word is god. Do not attempt to correct them.


This is GREAT!

I entered my address as "UNIT' and it worked!

You deserve a

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