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
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 Nov 20, 14, 2:07 pm
  #8056  
 
Join Date: Jan 2013
Posts: 299
Originally Posted by x712xdamx View Post
Any more recent data points on using Serve to meet minimum spends on AMEX cards?
The Wiki just lists a "may count for minimum spend" (even though it doesn't earn miles).
As of October, it was still counting towards min. spend. I used Serve for Delta Amex and Starwood Amex no prob.
waingro is offline  
Old Nov 20, 14, 2:24 pm
  #8057  
 
Join Date: Oct 2014
Posts: 53
Originally Posted by BTA View Post
Has anyone tried to add a payee that is not in the system? I've been trying for several days, but no luck. According to the 'supervisor' I spoke to, the system is down, but its been several days.

I've tried to follow the instructions in this thread, but no such luck. I just want to confirm its not must me. I've added payees before, but I'm not able to do so anymore...
Just added Honda Financial at Philly this week, no problem at all. Payment posted as planned.
heydude is offline  
Old Nov 20, 14, 2:34 pm
  #8058  
BTA
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Originally Posted by heydude View Post
Just added Honda Financial at Philly this week, no problem at all. Payment posted as planned.
Hmm...what day did you try this? Maybe there is something wrong with my account and I have been flagged? I've had to talk to Account Protection Services in order to try to resolve this.

lovely...
BTA is offline  
Old Nov 20, 14, 2:37 pm
  #8059  
 
Join Date: Oct 2014
Programs: Hilton Diamond, SPG Platinum, Hyatt Diamond, Club Carlson Gold
Posts: 102
Not sure why folks will use Serve for min spend and not earn points. Get the points AND bonus
thehustla is offline  
Old Nov 20, 14, 3:21 pm
  #8060  
 
Join Date: Dec 2010
Posts: 345
Originally Posted by thehustla View Post
Not sure why folks will use Serve for min spend and not earn points. Get the points AND bonus
Because it's 100% free and they can do it from their computer.
slider34 is offline  
Old Nov 20, 14, 3:41 pm
  #8061  
 
Join Date: Oct 2014
Posts: 374
Getting 12k UR on my CSP and 12k UR on my Ink Plus a year. Not bad.
winsteven13 is offline  
Old Nov 20, 14, 3:58 pm
  #8062  
 
Join Date: Oct 2014
Posts: 14
Originally Posted by winsteven13 View Post
Getting 12k UR on my CSP and 12k UR on my Ink Plus a year. Not bad.
Just curious, how is it that you have two Serve cards (I'm assuming)? Spouse / significant other, letting you use his/his?
Mirnada is offline  
Old Nov 20, 14, 4:47 pm
  #8063  
 
Join Date: Jun 2013
Posts: 42
I just lowered my Cash Advance Line from my Chase United MileagePlus Visa to $0 and I can't make a CC load in Serve. Is that normal? Does anyone has similar experiencing this after zeroing out their CA? Does that also means that Chase Visa loads in Serve are considered CA?
Venomous West is offline  
Old Nov 20, 14, 5:05 pm
  #8064  
 
Join Date: Oct 2014
Posts: 14
Originally Posted by Venomous West View Post
I just lowered my Cash Advance Line from my Chase United MileagePlus Visa to $0 and I can't make a CC load in Serve. Is that normal? Does anyone has similar experiencing this after zeroing out their CA? Does that also means that Chase Visa loads in Serve are considered CA?
Hi Venomous West: I think the answers to your questions are in the wiki. Ctrl-F on 'cash' and you should find your answers.
Mirnada is offline  
Old Nov 20, 14, 5:23 pm
  #8065  
 
Join Date: Jun 2013
Posts: 42
Originally Posted by Mirnada View Post
Hi Venomous West: I think the answers to your questions are in the wiki. Ctrl-F on 'cash' and you should find your answers.
I totally gloss over that part while reading it. Thanks. That sucks for me. Guess I'll have to use my other spare Chase cards. This whole new Serve thing is really messing things up for me =P
Venomous West is offline  
Old Nov 20, 14, 5:36 pm
  #8066  
 
Join Date: Oct 2013
Posts: 218
Veterans of MS, I have a question. I've been following this thread and wanted to start paying some bills that otherwise wouldn't be payable via a credit card, and as an extra bonus hit the minimum spending for a few new cards.

My question is how do the banks specifically Chase and Citi feel about loading up a 1k/month from serve if that is the only transactions? Would I be at more risk of account closure? Would you suggest I toss a few other bills that can be payed directly with a credit card?

I ask because I've spend the last year getting a handful of cards that maximize point bonus categories and nearly all of my purchases are earning more than 1 point per dollar, I'd hate to divert earning on those bonuses towards something that only earned 1 point per dollar if I didn't have to.

I know that an exact answer to my question is unlikely, but I wanted to hear your opinions and personal experiences. Thank you!
whoknew89 is offline  
Old Nov 20, 14, 5:53 pm
  #8067  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by whoknew89 View Post
Veterans of MS, I have a question. I've been following this thread and wanted to start paying some bills that otherwise wouldn't be payable via a credit card, and as an extra bonus hit the minimum spending for a few new cards.

My question is how do the banks specifically Chase and Citi feel about loading up a 1k/month from serve if that is the only transactions? Would I be at more risk of account closure? Would you suggest I toss a few other bills that can be payed directly with a credit card?

I ask because I've spend the last year getting a handful of cards that maximize point bonus categories and nearly all of my purchases are earning more than 1 point per dollar, I'd hate to divert earning on those bonuses towards something that only earned 1 point per dollar if I didn't have to.

I know that an exact answer to my question is unlikely, but I wanted to hear your opinions and personal experiences. Thank you!
I am always of the opinion that you should mix in other transactions other than just Amex Serve on your CC. I don't know why you are complicating your life by using a separate Citi/Chase card to do $1K Serve loads. Why not just use one of your various existing CCs to do the Serve loads? Is this a new Chase/Citi CC that you are trying to meet min spend? Right now Citi Visas aren't friendly to Serve loads so its not really an option according to the wiki. Read the wiki to see the list of cards which are good and not good for Serve loads.
ericdabbs is offline  
Old Nov 20, 14, 6:07 pm
  #8068  
 
Join Date: Oct 2013
Posts: 218
Originally Posted by ericdabbs View Post
I am always of the opinion that you should mix in other transactions other than just Amex Serve on your CC. I don't know why you are complicating your life by using a separate Citi/Chase card to do $1K Serve loads. Why not just use one of your various existing CCs to do the Serve loads? Is this a new Chase/Citi CC that you are trying to meet min spend? Right now Citi Visas aren't friendly to Serve loads so its not really an option according to the wiki. Read the wiki to see the list of cards which are good and not good for Serve loads.
It's the Citi AA MasterCard. Trying to meet the minimum spending. The issue here is that my restaurant purchases go on the Chase Sapphire for 2x, Phone and Internet go on the Ink Plus for 5x and everything else essentially goes on the Amex Everyday Preferred for 1.5x.

My plan was to put the serve reloads on the Ink Plus but I'd like to meet the minimum spending on the Citi, however once I meet it I essentially have no other use for the card. Would you just stop using it after that?
whoknew89 is offline  
Old Nov 20, 14, 9:26 pm
  #8069  
 
Join Date: Sep 2013
Location: PIT-SCE-AOO-PHL-NYC-WAS
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Posts: 705
Plan to get 3rd serve (family member), and was wondering if Walmart will accept credit card to load $500 to temp card, or should i just get a VGC to feed new baby? However, I am torn between 3 serve / 1 rb, or 2 serve / 2 rb... what about you?

note - i got first 2 serve cards at CVS so paid with cold hard cash bec i didnt see serve in my WM few months ago.
washeelers747 is offline  
Old Nov 21, 14, 12:57 am
  #8070  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by whoknew89 View Post
It's the Citi AA MasterCard. Trying to meet the minimum spending. The issue here is that my restaurant purchases go on the Chase Sapphire for 2x, Phone and Internet go on the Ink Plus for 5x and everything else essentially goes on the Amex Everyday Preferred for 1.5x.

My plan was to put the serve reloads on the Ink Plus but I'd like to meet the minimum spending on the Citi, however once I meet it I essentially have no other use for the card. Would you just stop using it after that?
Up to you...ur the one that has the CC. You can feel free to stop using the card after meeting minimum spend. Why not just go for it? What is the worst they can do?
ericdabbs is offline  

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