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Serve - Another Paypal/Amazon payments (2015)

Serve - Another Paypal/Amazon payments (2015)

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Old Nov 10, 15, 11:16 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: ericdabbs
Wiki Link
The previous megathread is here.

Read the wiki before posting a question.
It's a literacy test that's easy to pass.


As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).


Serve loads count towards minimum spend on AmEx-issued cards, including SPG.

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.


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

Regular 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 [B]
  • Online Credit Card Load (AmEx only) - $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.

Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
  • 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
  • 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.

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.

OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.

Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST

Online Credit Card Loads
Only one card can be linked at a time.

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.

A few report no problems 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.

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. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.

https://www.serve.com/help/#add-money-5

Regular Serve Credit Card Loading

Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
  • AAA Rewards AmEx
  • Alitalia AmEx
  • Bank of America Accelerated Rewards AmEx
  • Bank of America Asiana Airlines AmEx
  • Bank of Hawaii AmEx Card with MyBankoh Rewards
  • Bloomingdale's AmEx
  • Citi AAdvantage Platinum Select AmEx
  • Citi Dividend AmEx (not obtainable unless specifically requested)
  • Citi Thank You Preferred AmEx (not obtainable unless specifically requested)
  • Dillard's AmEx
  • FNBO AmEx
  • FNBO Graphite AmEx
  • FNBO Platinum AmEx
  • Macy's AmEx
  • Penfed Premium Travel Rewards AmEx
  • SavingStar AmEx
  • Travelocity AmEx
  • US Bank Flexperks AmEx
  • USAA Cash Rewards/Rewards Plus AmEx
  • Wells Fargo Propel World/365 AmEx

Softcard Serve Credit Card Loading

If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.

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
  • Wells Fargo (American Express)

Treated as purchase, but doesn't earn points/miles:
  • American Express issued (Counts toward minimum spend -- see post #434) but does not earn points. Example: For the Delta Amex card, Serve counts towards min spend DL miles sign-up bonus, but that spend and subsequent trials of spend on Serve will not earn points. Don't do it, man!

Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.

A few report being unable to add the Chase IHG MC.

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
Helpful instruction post, latest. Thanks raeneye.

Also see this thread: Switching from Serve to BlueBird - 31 day wait???

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.

Switching from Redbird is presumably similar. See the RedCard thread for more information.

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 #7
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Old Jun 24, 15, 5:43 pm
  #1636  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by Light View Post
Do Nationwide Visa Buxx cards work for KATE or counter loads?
Yes.
Phantom707 is offline  
Old Jun 24, 15, 9:32 pm
  #1637  
 
Join Date: Jan 2015
Posts: 1,112
Here's a really noob question.

Paying a Chase business credit card is much the same as paying a Chase personal credit card, right? I'm specifically using a relative's account to electronically bill pay a Chase business credit card that's in my name. Should I be concerned?
Phantom707 is offline  
Old Jun 24, 15, 11:12 pm
  #1638  
 
Join Date: Sep 2010
Location: SFO
Programs: Hyatt Diamond, Hilton Diamond, IHG Plat
Posts: 274
Originally Posted by ericdabbs View Post
Chill out. Let your statement post before you start worrying. CC companies do not have instant flags where the second you hit that minimum spend the bonus is awarded to you. Most of the time the bonus is given to you on your next statement. Its not like you are going to cancel the card right away so why fret?
Sorry to make you guys worry. But just sharing this interesting data point as I applied the Delta Gold card for my Mom and Wife and both of theirDelta accounts and Amex account got the 50K posted. But mine did not show up and the only thing I did different is that I used Serve to load and make the spend.

Maybe this doesn't mean anything but just hope that Serve load is still working for making initial spend and just trying to see if anyone has any recent experience. Thanks again for all the help.
NttDocomo is offline  
Old Jun 24, 15, 11:50 pm
  #1639  
 
Join Date: Apr 2012
Posts: 129
Originally Posted by NttDocomo View Post
Sorry to make you guys worry. But just sharing this interesting data point as I applied the Delta Gold card for my Mom and Wife and both of theirDelta accounts and Amex account got the 50K posted. But mine did not show up and the only thing I did different is that I used Serve to load and make the spend.

Maybe this doesn't mean anything but just hope that Serve load is still working for making initial spend and just trying to see if anyone has any recent experience. Thanks again for all the help.
Just finished meeting my Biz Amex Gold with Serve. Maybe you have not met the requirement or transaction is still pending.
istroke is offline  
Old Jun 25, 15, 10:50 pm
  #1640  
 
Join Date: Sep 2010
Location: SFO
Programs: Hyatt Diamond, Hilton Diamond, IHG Plat
Posts: 274
Originally Posted by istroke View Post
Just finished meeting my Biz Amex Gold with Serve. Maybe you have not met the requirement or transaction is still pending.
thanks istroke for your data point. This is a great news, hope mine go through as well and will report back to let you guys know any update. Thanks.
NttDocomo is offline  
Old Jun 26, 15, 5:46 pm
  #1641  
 
Join Date: Apr 2006
Location: Tucson
Posts: 60
Originally Posted by NttDocomo View Post
Sorry to make you guys worry. But just sharing this interesting data point as I applied the Delta Gold card for my Mom and Wife and both of theirDelta accounts and Amex account got the 50K posted. But mine did not show up and the only thing I did different is that I used Serve to load and make the spend.

Maybe this doesn't mean anything but just hope that Serve load is still working for making initial spend and just trying to see if anyone has any recent experience. Thanks again for all the help.
Initial spend bonus on Am Ex Everyday just posted today--most of spending was done with online Serve loads.
HappyKat is offline  
Old Jun 27, 15, 12:25 pm
  #1642  
 
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,019
Just got out of wm trying to use Kate. On 9 vgc w 200 got debit not approved call authorized. Checked balance on a few of them and I've got the funds. Worried they've recoded the Kate's.
dingo is offline  
Old Jun 27, 15, 12:55 pm
  #1643  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by dingo View Post
Just got out of wm trying to use Kate. On 9 vgc w 200 got debit not approved call authorized. Checked balance on a few of them and I've got the funds. Worried they've recoded the Kate's.
I was just using and abusing a KATE yesterday at my local Walmart with 5 Staples $200 cards. They all went through fine.

By the way, has anyone ever been able to use a Discover debit card with KATE? I tried yesterday with a prepaid, reloadable Discover card (it's from a rewards program I do), and it kept saying tender not accepted. I'm wondering if real Discover debit cards work.
Phantom707 is offline  
Old Jun 27, 15, 1:51 pm
  #1644  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by Phantom707 View Post
I was just using and abusing a KATE yesterday at my local Walmart with 5 Staples $200 cards. They all went through fine.

By the way, has anyone ever been able to use a Discover debit card with KATE? I tried yesterday with a prepaid, reloadable Discover card (it's from a rewards program I do), and it kept saying tender not accepted. I'm wondering if real Discover debit cards work.
I used a Discover DC to load $300 to GoB prepaid this morning via Kate.
Mamibear is offline  
Old Jun 27, 15, 2:13 pm
  #1645  
 
Join Date: Jun 2015
Posts: 11
What is the point of serve now that they dont take CCs other than AMEX? (Sorry, dont have time to read 110 pages). Im trying to reach minimum spend for enhanced business gold card, but i believe somewhere in teh fine print says reloading prepaid doesn't count. I also read a couple months back that loading prepaid was to stop giving reward points as well? Please correct if im wrong. thanks
anbuitachi is offline  
Old Jun 27, 15, 6:18 pm
  #1646  
kd_
 
Join Date: Jan 2015
Posts: 32
Originally Posted by valedecem View Post
I think the $500 daily limit is per serve card. Loading more than that creates a fraud warning in their system. I did $1000 to two separate cards the other day (in the same visit) with no problem.
I think there's another limit, but I'm at a loss for what it is. I tried a load at FD today and got declined due to a "fraud alert" - first load for 500 failed, then tried another load for 499.xx failed since the manager had seen issues with 500 loads before... but the cashier countered saying she had someone do it earlier (maybe earlier that day, which could have got me...)

Luckily, all the failed loads got reversed - I think FT saved me with the "swipe card again" advice.
kd_ is offline  
Old Jun 28, 15, 2:51 am
  #1647  
 
Join Date: Feb 2015
Location: Pennsylvania
Posts: 70
Originally Posted by anbuitachi View Post
What is the point of serve now that they dont take CCs other than AMEX? (Sorry, dont have time to read 110 pages). Im trying to reach minimum spend for enhanced business gold card, but i believe somewhere in teh fine print says reloading prepaid doesn't count. I also read a couple months back that loading prepaid was to stop giving reward points as well? Please correct if im wrong. thanks
I don't know the answer to the second half of your question. However, I can tell you that Serve is not useless. At least for the online credit card for Amex can still help you with Amex sign up bonuses. You can also get $240 a year if you load with a Fidelity Amex that gives 2% cashback. (.02 x 1000 = $20 a month). Not to mention you can use the Paypal debit card to get .01 x 1000 to make it $30 a month or $360 a year. Totally worth it if you ask me. A few clicks with your finger and you make an easy $360. Not to mention the extra amount you can make if you decide to go load gift cards at walmart or what not.

I avoid walmart though.... I manufactured spend enough through my eBay business ahaha.
Crusading Angel is offline  
Old Jun 28, 15, 6:57 am
  #1648  
 
Join Date: Jul 2014
Posts: 3,665
SoftServe is still very useful to me because:
1. I use Citi DCB as my main CC; if there are CB offers on other cards like random Discover offers, I switch to it with ease; btw, I also registered with DiscoverIT double CB offer that started June 1 so that also gives me 2% CB for the next 12 statements;
2. I can still switch to other CCs, not just amex, if I need to meet min spend.
Mamibear is offline  
Old Jun 28, 15, 7:54 am
  #1649  
 
Join Date: May 2015
Posts: 38
Originally Posted by Crusading Angel View Post
I don't know the answer to the second half of your question. However, I can tell you that Serve is not useless. At least for the online credit card for Amex can still help you with Amex sign up bonuses. You can also get $240 a year if you load with a Fidelity Amex that gives 2% cashback. (.02 x 1000 = $20 a month). Not to mention you can use the Paypal debit card to get .01 x 1000 to make it $30 a month or $360 a year. Totally worth it if you ask me. A few clicks with your finger and you make an easy $360. Not to mention the extra amount you can make if you decide to go load gift cards at walmart or what not.

I avoid walmart though.... I manufactured spend enough through my eBay business ahaha.
Yup, this - preferably multiplied over a handful of serve cards. I'm using it as a creative way to fund my Roth IRA.

Last edited by valedecem; Jun 28, 15 at 8:00 am
valedecem is offline  
Old Jun 28, 15, 11:04 am
  #1650  
 
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,019
went back today and Kate is back to her old self...good to see you again old gal!
dingo is offline  

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