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
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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 18, 14, 7:41 pm
  #8026  
XP1
 
Join Date: Aug 2014
Posts: 282
Originally Posted by Mirnada View Post
I am rooted, I can unroot if needed (why is it needed to run the softcard app? Does it actually check against whether or not the phone is rooted, and fail to run if so? I've never seen/heard of any apps that do that).
Softcard won't run while rooted.

You need to hide root access.
XP1 is offline  
Old Nov 18, 14, 8:47 pm
  #8027  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,125
Originally Posted by milemission View Post
Chase sapphire visa any confirmation either way?

How is Fidelity Amex card? Do they earn points? Cash advance?
Fidelity Amex is noted as purchase in the Wiki..
frudd38 is online now  
Old Nov 18, 14, 11:38 pm
  #8028  
 
Join Date: Jan 2005
Posts: 467
If I have already had regular serve, can I still switch to softcard serve? If so, do i need to close current serve first?
susieling is offline  
Old Nov 19, 14, 6:06 am
  #8029  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by susieling View Post
If I have already had regular serve, can I still switch to softcard serve? If so, do i need to close current serve first?
yes and yes.
Mamibear is offline  
Old Nov 19, 14, 7:53 am
  #8030  
 
Join Date: Jun 2013
Posts: 1,516
Originally Posted by milemission View Post
Chase sapphire visa any confirmation either way?

How is Fidelity Amex card? Do they earn points? Cash advance?
All my CSP transactions as late as 11/3 posted as sales.
ZBigFam is offline  
Old Nov 19, 14, 8:00 am
  #8031  
 
Join Date: Jun 2013
Posts: 1,516
Originally Posted by michael_v View Post
Specify which Ink. Ink Bold is unlikely to work.
ink bold used to work till oct
ink plus worked until this month - mine is an MC version though maybe the others that work are visa?
ZBigFam is offline  
Old Nov 19, 14, 8:14 am
  #8032  
 
Join Date: Nov 2014
Posts: 8
Originally Posted by ZBigFam View Post
All my CSP transactions as late as 11/3 posted as sales.
CSP Visa still good as of yesterday. Load on 11/17 posted as a sale on 11/18. No cash advance fee.
PJnc284 is offline  
Old Nov 19, 14, 8:24 am
  #8033  
 
Join Date: Nov 2014
Posts: 3
Originally Posted by PJnc284 View Post
CSP Visa still good as of yesterday. Load on 11/17 posted as a sale on 11/18. No cash advance fee.
I loaded with CSP Visa on 11/16 and 11/17. First posted as a sale, second still pending (according to Chase online account). I already did the ID/card verification with AMEX. Tried for a third load today and got this message: "We're sorry, your card issuer declined this transaction. Please call the number on the back of your Visa card for additional information."

Anyone know what's going on?
Commodore246 is offline  
Old Nov 19, 14, 8:46 am
  #8034  
 
Join Date: Sep 2013
Posts: 221
i want to close my Serve account so i can register my Target Redbird. i just used my Serve card with an Amex offer yesterday. CS Rep told me I should wait for the transaction to settle and credit to post before closing the account. I want to get the Target card soon so that I can get in on this months limit. Should i just leave the $10 amex credit behind?
Tofe is offline  
Old Nov 19, 14, 10:08 am
  #8035  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by Tofe View Post
i want to close my Serve account so i can register my Target Redbird. i just used my Serve card with an Amex offer yesterday. CS Rep told me I should wait for the transaction to settle and credit to post before closing the account. I want to get the Target card soon so that I can get in on this months limit. Should i just leave the $10 amex credit behind?
Why did you even do the Amex Offer for the Serve account knowing that you wanted to close the Serve account? You have to make sure your balance is at zero anyways before closing your Serve account. Also its best that you don't have any pending Serve BPs going on but if so wait until it has cleared before closing your account.
ericdabbs is offline  
Old Nov 19, 14, 11:19 am
  #8036  
 
Join Date: Nov 2014
Posts: 21
Originally Posted by ericdabbs View Post
WATT?!!?!?!?!?!?!? No way. That is not good.
Wait nevermind, for some reason it posted as a cash advance when it was pending, and now its just a regular sale.
karloldreyes is offline  
Old Nov 19, 14, 11:20 am
  #8037  
 
Join Date: Nov 2014
Posts: 21
Originally Posted by Commodore246 View Post
I loaded with CSP Visa on 11/16 and 11/17. First posted as a sale, second still pending (according to Chase online account). I already did the ID/card verification with AMEX. Tried for a third load today and got this message: "We're sorry, your card issuer declined this transaction. Please call the number on the back of your Visa card for additional information."

Anyone know what's going on?
My load first posted as a CA (i saw from the lowered CA limit), but then once it wasn't pending anymore, my CA limit went to normal and it eventually posted as a sale.
karloldreyes is offline  
Old Nov 19, 14, 11:54 am
  #8038  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
Posts: 2,125
Originally Posted by karloldreyes View Post
Wait nevermind, for some reason it posted as a cash advance when it was pending, and now its just a regular sale.
Originally Posted by karloldreyes View Post
My load first posted as a CA (i saw from the lowered CA limit), but then once it wasn't pending anymore, my CA limit went to normal and it eventually posted as a sale.
This has scenario has already been identified and in the Wiki.. thanks for the scare. When it's pending, it is NOT posted..
frudd38 is online now  
Old Nov 19, 14, 12:17 pm
  #8039  
 
Join Date: Aug 2014
Posts: 11
Originally Posted by Mirnada View Post
I am rooted, I can unroot if needed (why is it needed to run the softcard app? Does it actually check against whether or not the phone is rooted, and fail to run if so? I've never seen/heard of any apps that do that).
Yes, it checks if you are rooted. You will need to unroot, or hide that you are rooted. You'll have to be rooted to modify system files.

Originally Posted by Mirnada
I could probably find the analogous files for a supported phone model online somewhere, to figure out what to change those values to. My concern is the "and maybe some others" part. Sounds like I'm asking for trouble, changing 3 lines that some guy on the internet haphazardly threw out as being "maybe" the right ones. Any better idea where to nail down exactly what changes would need to be made? I'm willing to guinea pig this out for others (anyone with an unsupported Nexus device and some chutzpah) if I can get confirmation that such a thing ought to work.
I have done this for other apps (but not softcard) and it has worked. Which values it checks for would depend on the app, and since I haven't tried with softcard I can't tell you for sure. If you look at the build.prop file you should get a pretty good idea which values they might check for.

---Examples---

my Sprint Galaxy S3:
ro.product.model=SPH-L710
ro.product.name=d2spr
ro.product.device=d2spr
ro.product.brand=samsung

a friends Verizon Galaxy S3:
ro.product.model=SCH-I535
ro.product.name=2dvzw
ro.product.device=2dvzw
ro.product.brand=Verizon

I can't guarantee this will work, but it's the first thing I would try.
estancergist is offline  
Old Nov 19, 14, 12:19 pm
  #8040  
 
Join Date: Aug 2013
Posts: 1,207
Originally Posted by karloldreyes View Post
My load first posted as a CA (i saw from the lowered CA limit), but then once it wasn't pending anymore, my CA limit went to normal and it eventually posted as a sale.
/facepalm. Its not posted until its posted. Pending is not posted....
hamokmonky is offline  

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