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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 15, 15, 12:52 pm
  #2401  
 
Join Date: Sep 2015
Posts: 460
Originally Posted by acefspadez View Post
The Wiki says Family Dollar is limited to $500 load per day per store total. Is that still true or outdated info that needs to be updated?
Everyone had a different experience at FD so there's no fix answer. You can do multiple load at different locations for sure i.e $500 per store. Some people were able to do more than $500 at one location and some failed. Plz remember if you fail if you have to go through the the whole experience of contacting FD corporate to get your money back. It can take anywhere between 7-30 days. So try at your own risk.
anubond005 is offline  
Old Oct 15, 15, 1:52 pm
  #2402  
 
Join Date: Jun 2015
Posts: 333
Originally Posted by anubond005 View Post
Everyone had a different experience at FD so there's no fix answer. You can do multiple load at different locations for sure i.e $500 per store. Some people were able to do more than $500 at one location and some failed. Plz remember if you fail if you have to go through the the whole experience of contacting FD corporate to get your money back. It can take anywhere between 7-30 days. So try at your own risk.
I tried this once but the second load failed before I can even swipe the DC payment, which was a good thing. Otherwise, like you said, it would have been a PITA.
Flyby01 is offline  
Old Oct 15, 15, 2:15 pm
  #2403  
 
Join Date: Jun 2015
Posts: 1,296
Originally Posted by anubond005 View Post
I agree with u. M sure RB to serve will make it worse. Let's wait and watch. I hope Amex add more stores other than WM otherwise dooms day isn't too far.
Who's gonna start the White House petition for TG to accept Serve debit loads?

Not many FDs in my area but I figure I'll have more load opps when traveling.
Chelski is offline  
Old Oct 15, 15, 2:21 pm
  #2404  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by anubond005 View Post
Everyone had a different experience at FD so there's no fix answer. You can do multiple load at different locations for sure i.e $500 per store. Some people were able to do more than $500 at one location and some failed. Plz remember if you fail if you have to go through the the whole experience of contacting FD corporate to get your money back. It can take anywhere between 7-30 days. So try at your own risk.
Originally Posted by Flyby01 View Post
I tried this once but the second load failed before I can even swipe the DC payment, which was a good thing. Otherwise, like you said, it would have been a PITA.
The new system doesn't allow you to immediately swipe your card back to refund the funds to your card?
ericdabbs is offline  
Old Oct 15, 15, 3:05 pm
  #2405  
 
Join Date: Sep 2015
Posts: 70
Originally Posted by anubond005 View Post
Everyone had a different experience at FD so there's no fix answer. You can do multiple load at different locations for sure i.e $500 per store. Some people were able to do more than $500 at one location and some failed. Plz remember if you fail if you have to go through the the whole experience of contacting FD corporate to get your money back. It can take anywhere between 7-30 days. So try at your own risk.
I did some VGC loading last week and this week, here is my experience:

Four FD stores in my area (California). One only loads cash to Serve. Second won't accept VGC that doesn't have my name it.

With the other two. I was able to do a multiple load last week. On Monday I tried it again at both stores, and both stores denied me. When I tried the second load (used a lower amount that $500), the register had a "Potential Fraud" alert and denied the load. So I only loaded $500 at each store.

Last edited by rlee1180; Oct 15, 15 at 5:17 pm
rlee1180 is offline  
Old Oct 15, 15, 3:48 pm
  #2406  
 
Join Date: Mar 2015
Location: NYC
Programs: AA BA DL JB US
Posts: 41
Loading at FD in NYC?

Originally Posted by dsr1205 View Post
I tried 2 FD today. No debit card load allowed. Both times the cashier shouted out asking another employee if it was allowed and they said no. Trying 8 more stores. I'm assuming these stores in BK have been hit hard by actual fraud more than manufactured spenders. I'll report back in a few days.
Any update on this? Another member of the RB->Serve exodus (and previously did the opposite trip) and am thinking about stocking up on personalized VGC to load at FD as it's on my way to work, but if it doesn't work I'll refrain from buying. Thanks.
mallomar is offline  
Old Oct 15, 15, 5:45 pm
  #2407  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,872
Originally Posted by anagoree View Post
They are two different cards. I could not find 1VIP card in store.
But, as i said in my previous post. I could not find much difference between two other then
1. Buy fee of $2.95
2. ATM withdrawal fee of $2-$2.5
It has same monthly fee of $1 and waive fee if you add $500 from cash, bank account, debit card or credit card.Direct Deposit.

Retail card version can load money at:
Reload at CVS/pharmacy, Family Dollar, Walmart and participating 7-ELEVEN® locations
A Major and CRITICAL Difference is, 1VIP the load at store is FREE. The new Serve available at store has a fee up to $3.95 to load at store. Unless you can find the old temp cards starts with 3751 71, you would not get the Old Serve.

See this post in RedCard thread for the details.

http://www.flyertalk.com/forum/25570495-post10993.html

And this on AMEX Serve site

https://www.serve.com/legal.html

So for those who try to get a temp card at CVS, be sure you get the one that has the correct prefix numbers, else you would wound up getting a new Serve that costs money to load at store.

Last edited by Happy; Oct 15, 15 at 5:55 pm
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Old Oct 15, 15, 5:47 pm
  #2408  
 
Join Date: Jan 2013
Programs: Total Rewards Diamond, Delta Gold, Starwood Gold, Mosaic
Posts: 233
Serve - Another Paypal/Amazon payments (2015)

reloadits are way better than going to fd. fd is worse than walmart
RyanNYNJ is offline  
Old Oct 15, 15, 5:54 pm
  #2409  
 
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 Happy View Post
A Major and CRITICAL Difference is, 1VIP the load at store is FREE. The new Serve available at store has a fee up to $3.95 to load at store. Unless you can find the old temp cards starts with 3751 71, you would not get the Old Serve.
Are there any pros/cons of Old Serve vs. One VIP? All of the WAG locations around here still seem to carry only Old Serve (all of the other retailers only have Green Serve).
Carl is offline  
Old Oct 15, 15, 5:56 pm
  #2410  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,872
Originally Posted by RyanNYNJ View Post
reloadits are way better than going to fd. fd is worse than walmart
Problem is, only in very few locales one could buy reloadits with credit cards. The majority of us has to resort to other vehicles and that means Gebit and WM/FD.
Happy is offline  
Old Oct 15, 15, 6:22 pm
  #2411  
 
Join Date: Jan 2013
Location: NYC
Posts: 491
Can anyone provide a definitive answer as to whether loading Serve with the US Bank Flexperks Amex triggers a CA?
st1575 is offline  
Old Oct 15, 15, 7:45 pm
  #2412  
 
Join Date: Jun 2012
Location: ATL
Programs: DL, Marriott
Posts: 728
Are we sure that a temp card can load up to $1000 in separate visits without counting against the total? When I got RB, only $500 worked (and the t&c and stuff made it seem like any more than $500 wouldn't work, either). I know they're different programs but still both from Amex so wondering if people really can load $1000 on temp card without affecting monthly total.
pritomd is offline  
Old Oct 15, 15, 8:55 pm
  #2413  
 
Join Date: Apr 2015
Posts: 149
O.K. So I was searching from this card in the wiki: Bank of America Accelerated Rewards AmEx

While I was searching for this I came across this card: http://www.neamb.com/finance/acceler...of-america.htm

It looks like it pays out 1.25 points per purchase and carries no annual fee. Anyone tried it for online loading of serve?

I am trying to find what the top say 4-5 options are for points earning for online loading of serve.
mulliganman30 is offline  
Old Oct 15, 15, 10:02 pm
  #2414  
 
Join Date: Apr 2010
Posts: 135
Originally Posted by Happy View Post
A Major and CRITICAL Difference is, 1VIP the load at store is FREE. The new Serve available at store has a fee up to $3.95 to load at store. Unless you can find the old temp cards starts with 3751 71, you would not get the Old Serve.
You are correct. But unfortunately the card number is inside the package. Unless you buy and load temp card, you will not know what number on the card inside your package. Easy way to check is to look for "CASH Reload fee" listed on the package.
If its says $0, you should be safe.

Last edited by anagoree; Oct 15, 15 at 10:18 pm
anagoree is offline  
Old Oct 16, 15, 5:47 am
  #2415  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by RyanNYNJ View Post
reloadits are way better than going to fd. fd is worse than walmart
Good luck using the RL safe; compared to loading OVs at FD, the latter is a walk in the park (for me).
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