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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 Jul 9, 15, 2:56 pm
  #1726  
 
Join Date: Jul 2013
Location: SEA, SJC, PIT
Programs: AA Gold, AS MP
Posts: 254
Originally Posted by DVDBob View Post
Didn't see this in the wiki - can I buy a Temp Serve card with CC and if so where? If not, can I use a GC (DC) and where? If "no" to both of these, do I just sign up online and then do the reload thing?
You should be able to at some office supply stores, I think i've seen some at Office Depot.

Otherwise, I just ordered mine online and waited for it to come in to activate it. Be aware that you'll probably have to upload some extra documentation as most accounts get flagged when you try to make a debit card deposit (I started off with one from my bank to lessen the sketchiness of it)
akelkar is offline  
Old Jul 9, 15, 3:59 pm
  #1727  
 
Join Date: Jun 2015
Posts: 595
What is the optimum amount/duration/method to unload this card for being able to load 3-4K via gc each month? Any suggesrions/responses are greatly appreciated.
Stivelio is offline  
Old Jul 9, 15, 6:29 pm
  #1728  
 
Join Date: Feb 2014
Posts: 185
Trying to link my Arrival+ credit card. Nothing but:
"We're sorry, something went wrong! Please try again."
cashcow is offline  
Old Jul 9, 15, 10:40 pm
  #1729  
 
Join Date: Mar 2007
Location: LNK-SEA-IAD
Programs: UA 1P MM, AS MVP G*, SPG Gold, Hyatt Plat, IHG Plat, Hilton Diamond, Marriott Gold
Posts: 939
Originally Posted by cashcow View Post
Trying to link my Arrival+ credit card. Nothing but:
"We're sorry, something went wrong! Please try again."
Story of my life...
HGHUA is offline  
Old Jul 10, 15, 8:29 am
  #1730  
 
Join Date: Feb 2014
Posts: 185
Originally Posted by HGHUA View Post
Story of my life...
I'm still getting it. Maybe they are trying to stop new cards from being added?
cashcow is offline  
Old Jul 10, 15, 10:36 am
  #1731  
 
Join Date: Feb 2011
Posts: 56
I just changed cards (Visa->Visa) without problem making the change itself. However after getting the email that a copy of credit card & license is requested after changing SoftServe credit cards linked to the account how long does it usually take for approval of the change AFTER uploading files?

YES, I know I can call but it is my wife's SoftServe card and she doesn't like calling. I am in no rush but wondering what the approval time generally is.

Or is a call REQUIRED?

My last few card swaps needed no docs uploaded but this one did.
MisterEdF is offline  
Old Jul 10, 15, 10:40 am
  #1732  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by Carl View Post
Thanks for the reference! Very good to know about that option in the event stores (as opposed to individual workers) start refusing generic cards altogether. These are pretty pricey at $5.95 ea, but that may not be a bad deal for folks without easy access to $3.95 ones. Per the FAQ, they do not offer embossed cards, but they are printed with the desired recipient's name (the printing is just flat, whatever that's called, so the cards can only be swiped).

EDIT: just looked at the site again and realized these are $250 max. Definitely a terrible deal.
Actually you can buy $500 cards at this link: https://wl.giftcardmall.com/ A little better than $250 in a pinch.
MisterEdF is offline  
Old Jul 10, 15, 10:45 am
  #1733  
 
Join Date: Oct 1999
Location: Atlanta, GA
Programs: AA PLT, AS 75K, DL DM, HY Globalist, HH Diamond, MC/RZ/SW Platinum, AB/UA Silver, WN CP
Posts: 1,120
Originally Posted by MisterEdF View Post
Actually you can buy $500 cards at this link: https://wl.giftcardmall.com/ A little better than $250 in a pinch.
Great find! And these are only $3.95, albeit with potentially steep shipping if ordering a small number.
Carl is offline  
Old Jul 10, 15, 11:54 am
  #1734  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by MisterEdF View Post
I just changed cards (Visa->Visa) without problem making the change itself. However after getting the email that a copy of credit card & license is requested after changing SoftServe credit cards linked to the account how long does it usually take for approval of the change AFTER uploading files?

YES, I know I can call but it is my wife's SoftServe card and she doesn't like calling. I am in no rush but wondering what the approval time generally is.

Or is a call REQUIRED?

My last few card swaps needed no docs uploaded but this one did.
IME, I prefer not to call unless it's the end of the calendar month and I have to make the last load. I upload a scan of my CC and load with it later w/o getting the annoying message which means my card is blocked.

whenever I upload scan of my new CC in the morning, from past experiences, by 2 pm, I load with the card and do not get the message to call CPS. this means they have already verified the card is in my name.

If, by chance you try several hours after upload and still get the error message, I suggest you try the next day and if your load still won't go through, that's the time to call.
Mamibear is offline  
Old Jul 10, 15, 5:37 pm
  #1735  
 
Join Date: Feb 2011
Posts: 56
Originally Posted by Mamibear View Post
IME, I prefer not to call unless it's the end of the calendar month and I have to make the last load. I upload a scan of my CC and load with it later w/o getting the annoying message which means my card is blocked.

whenever I upload scan of my new CC in the morning, from past experiences, by 2 pm, I load with the card and do not get the message to call CPS. this means they have already verified the card is in my name.

If, by chance you try several hours after upload and still get the error message, I suggest you try the next day and if your load still won't go through, that's the time to call.
Arghhh ... I uploaded around 10AM this morning and as of now (7:30PM) still getting the "for security reasons ... blah blah" message. Not sure if they work on these over the weekend but I'll give it till Monday then have my wife call. The last few card changes went through with no uploads done or required.

EDIT: Talk about timing. About 15 seconds after I posted the original part of this message saying it still wasn't working I got an email saying the account has been cleared and it is now working!

Last edited by MisterEdF; Jul 10, 15 at 5:42 pm
MisterEdF is offline  
Old Jul 11, 15, 12:58 am
  #1736  
 
Join Date: Feb 2011
Posts: 56
AU Card & SoftServe

I see in the WIKI it states: "A few report no problems loading with an AU card in the Serve account holder's name."

Does this apply even when the AU card has the same account number or only when the AU card has a separate account number than the primary card (like Amex)?
MisterEdF is offline  
Old Jul 11, 15, 1:37 am
  #1737  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by MisterEdF View Post
I see in the WIKI it states: "A few report no problems loading with an AU card in the Serve account holder's name."

Does this apply even when the AU card has the same account number or only when the AU card has a separate account number than the primary card (like Amex)?
I manage an ISIS Serve and a regular Serve. I've loaded the ISIS account with a non Amex card and then used an authorized user Fidelity Amex on the regular account. In addition, I have another ISIS Serve account that I load with an authorized user card that's tied to the card from the first ISIS account.

Reports are that if you use the same card number in two different accounts, they give you an error.
Phantom707 is offline  
Old Jul 11, 15, 6:32 am
  #1738  
 
Join Date: Oct 2013
Programs: HH Diamond, Hyatt Diamond, IHG Platinum, Marriott Silver
Posts: 252
Originally Posted by Phantom707 View Post
I manage an ISIS Serve and a regular Serve. I've loaded the ISIS account with a non Amex card and then used an authorized user Fidelity Amex on the regular account. In addition, I have another ISIS Serve account that I load with an authorized user card that's tied to the card from the first ISIS account.

Reports are that if you use the same card number in two different accounts, they give you an error.
This is correct. I was told by support several months ago the only way is to delete the card from one account and link it to the other. I have been doing this every month since November with no problem (linking and re-linking the card to both accounts each day). You just need to go through the security authorization once with the verification of the card name and once it's approved you can delete and re-add with no hassle. Only downside is occasionally the card issuer may decline a transaction if you do 2 transactions per day it may be flagged as fraud so you have to call in to Chase for example to authorize the transaction.
knowledgeispower is offline  
Old Jul 11, 15, 12:21 pm
  #1739  
 
Join Date: Aug 2009
Posts: 132
Originally Posted by akelkar View Post
You should be able to at some office supply stores, I think i've seen some at Office Depot.
Tried to buy one today at an OfficeDepot, but a big warning box came up on the register that said Cash Only. Oh well, guess I'll just order one online.
DVDBob is offline  
Old Jul 11, 15, 11:27 pm
  #1740  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by DVDBob View Post
Tried to buy one today at an OfficeDepot, but a big warning box came up on the register that said Cash Only. Oh well, guess I'll just order one online.
Try CVS.
Phantom707 is offline  

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