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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 Oct 10, 15, 2:56 pm
  #2311  
 
Join Date: Apr 2010
Posts: 342
Originally Posted by Typhoonpilot View Post
Failing that I guess I'll just apply for a Bluebird, Redbird, or another Serve account.
Unfortunately you're probably not going to be able to get any of them as they're all Amex products.
sybloc is offline  
Old Oct 11, 15, 7:26 pm
  #2312  
 
Join Date: Sep 2015
Posts: 460
Serve load only at Money Center

I never had prob loading serve at my local WM. There's no kiosk but I used different cashiers and it was easy. Today cashier told me that they are not allowed to load anymore and only money center cashier can load serve cards. So disappointed. Anybody had the same experience??
anubond005 is offline  
Old Oct 11, 15, 7:27 pm
  #2313  
 
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 anubond005 View Post
I never had prob loading serve at my local WM. There's no kiosk but I used different cashiers and it was easy. Today cashier told me that they are not allowed to load anymore and only money center cashier can load serve cards. So disappointed. Anybody had the same experience??
I've experienced that in fairly urban locations. Individual store policy may vary.
Carl is offline  
Old Oct 11, 15, 11:40 pm
  #2314  
 
Join Date: Jul 2015
Posts: 164
Deleted

Last edited by Lucky888; Oct 17, 15 at 10:28 pm
Lucky888 is offline  
Old Oct 12, 15, 6:16 am
  #2315  
 
Join Date: Aug 2015
Posts: 322
I have read here once the $$$$ are loaded to serve, you can bill pay etc. Even after doing all this, if there is still some balance left every month, is it okay to transfer to your bank or that will raise some flags and possible shut down by serve.

What are the typical methods FT uses to unload serve?
nfpa70e is offline  
Old Oct 12, 15, 6:32 am
  #2316  
 
Join Date: May 2015
Posts: 97
Originally Posted by Newyorker11 View Post
I have read here once the $$$$ are loaded to serve, you can bill pay etc. Even after doing all this, if there is still some balance left every month, is it okay to transfer to your bank or that will raise some flags and possible shut down by serve.

What are the typical methods FT uses to unload serve?
Generally if you are going to buy VGC with CC and then load them to your Serve. Use Serve to pay your credit card. You will generally owe more than what is in your serve account because of the VGC fee. Probably will not have any left to transfer to your bank.
BrownHP800 is offline  
Old Oct 12, 15, 6:58 am
  #2317  
 
Join Date: Jul 2014
Posts: 3,665
I load 1.5K DC, 1.5K CC, $5K in-store to max out the $8K loads per month. From this, I w/d $2K using MoneyPass atm and B/P the rest.
Mamibear is offline  
Old Oct 12, 15, 11:07 am
  #2318  
 
Join Date: Aug 2015
Posts: 322
Originally Posted by Mamibear View Post
1.5K CC,

Are you doing this for non-amex network cards as well? I thought that can raise the flag.
nfpa70e is offline  
Old Oct 12, 15, 6:39 pm
  #2319  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,872
Originally Posted by Newyorker11 View Post
Are you doing this for non-amex network cards as well? I thought that can raise the flag.
Mamibear is talking about Soft Serve which is NOT available since long time ago.

The Serve you can get now, based on your questions obviously you have not had one, can only load online with a linked AMEX Card and you do NOT earn anything from the load if it is an AMEX AMEX. Some would count against minimum spend but others dont - it is card specific.

You may want to make notes as you read along as you sound quite confused.
Happy is offline  
Old Oct 12, 15, 7:46 pm
  #2320  
 
Join Date: Jun 2012
Location: ATL
Programs: DL, Marriott
Posts: 728
If the RB drama is truly the end, I may have to switch to Serve or BB. Is there any advantage to BB over Serve? I know that BB doesn't have a monthly fee, but I easily see myself doing at least a $500 load every month to waive it. I think BB also can get checks, but I don't see myself using them. Any other reason why I'd use BB over Serve? Serve I can load at other places, plus if I get an Amex card can potentially use it to help with the bonus.....
pritomd is offline  
Old Oct 12, 15, 8:54 pm
  #2321  
 
Join Date: Sep 2012
Programs: UA AA DL SW Marriott
Posts: 246
Loaded Serve w/ Amex Everyday, it did count as minimum spending, bonus has posted
Tinker25 is offline  
Old Oct 13, 15, 12:39 am
  #2322  
 
Join Date: Feb 2012
Posts: 1,598
Possible New Limit on Loading Serve

I use the old "Classic Serve" card, and went to load it this evening to my favorite WM Money Center. They usually have no qualms with loading $2K per visit, except when I hit a certain grumpy clerk who imposes her own 2-swipe limit. This time I had one of the friendlier clerks, and she just asked "the usual, right?", when she saw me.
However after the 3-d swipe, the system "approved" the debit but then Serve rejected the load. Instead of the receipt, the printer spit out a short error note, which the clerk quickly grabbed and stared at with surprise. I couldn't read the note myself, but the clerk read it as "$1000 daily limit exceeded". Hope it's just a temporary glitch.
MaxVO is offline  
Old Oct 13, 15, 2:03 am
  #2323  
 
Join Date: Aug 2015
Posts: 28
Originally Posted by pritomd View Post
If the RB drama is truly the end, I may have to switch to Serve or BB. Is there any advantage to BB over Serve? I know that BB doesn't have a monthly fee, but I easily see myself doing at least a $500 load every month to waive it. I think BB also can get checks, but I don't see myself using them. Any other reason why I'd use BB over Serve? Serve I can load at other places, plus if I get an Amex card can potentially use it to help with the bonus.....
I started to follow the BB and Serve threads for this very reason. To answer your question, yes, there are differences which are explicitly outlined in their respective wikis and even a thread dedicated to debating the pros and cons of each. If you follow this current thread, getting caught up over there won't be a problem.
OldPainless is offline  
Old Oct 13, 15, 7:47 am
  #2324  
 
Join Date: Feb 2015
Posts: 902
Let's see what impact will the Redbird converts have to Serve

Ladies and gentlemen, please return to your MS seats and buckle up for the Redbird-to-Serve turbulence if Redbird is indeed proven to be dead.
NoonRadar is offline  
Old Oct 13, 15, 10:18 am
  #2325  
 
Join Date: Oct 2015
Posts: 11
When loading Serve, should I be doing anything special between loading and unloading the card, such as waiting a few days before unloading or unloading in random amounts? I have an old blue Serve.

For example, I load $1999.99 to Kate and pay my credit card bill the same amount on my way out of the store with the Serve app. Should I be doing this differently?
Liveo is offline  

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