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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 17, 15, 10:44 am
  #2461  
 
Join Date: Apr 2015
Location: VA
Programs: United Gold, Marriott Gold, SPG Gold, Hilton Gold, Club Carlson Gold, IHG Plat
Posts: 13
I have read the wiki and several blogs but still do not figure out: can I use Walmart Money Center kiosk to load VGC to Serve? I know the kiosk works for Bluebird. What about Serve? Thanks.
jldh8866 is offline  
Old Oct 17, 15, 11:03 am
  #2462  
 
Join Date: Jun 2015
Location: DEN
Posts: 50
Originally Posted by jldh8866 View Post
I have read the wiki and several blogs but still do not figure out: can I use Walmart Money Center kiosk to load VGC to Serve? I know the kiosk works for Bluebird. What about Serve? Thanks.
Yes, you can reload Serve at the Kiosk. You use the "Bluebird" option and swipe your Serve.
osmantrex is offline  
Old Oct 17, 15, 11:06 am
  #2463  
 
Join Date: Jan 2012
Programs: Marriott/SPG Plat, Hilton Gold
Posts: 877
Strange. Picked up an old Blue Serve at Family Dollar.

Price on the box $2.95, no special deals in effect at this time AFAIK.

However when I purchased it with a $400 load, I was only charged $400. Read my OV VGC for the load. Checked my balance by phone to make sure and I have $100 left on the OV. So no fee is being charged.
ElPresidente is offline  
Old Oct 17, 15, 11:06 am
  #2464  
 
Join Date: Apr 2015
Posts: 149
Originally Posted by jldh8866 View Post
I have read the wiki and several blogs but still do not figure out: can I use Walmart Money Center kiosk to load VGC to Serve? I know the kiosk works for Bluebird. What about Serve? Thanks.
http://frequentmiler.boardingarea.co...walmart-kiosk/
mulliganman30 is offline  
Old Oct 17, 15, 12:29 pm
  #2465  
 
Join Date: Jun 2006
Location: STL
Posts: 1,317
I'm hardly a heavy MSer so might not have $500 going in my account some months. If I have a zero balance, will they still charge the $1 monthly fee for the VIP card?
t325 is offline  
Old Oct 17, 15, 12:36 pm
  #2466  
 
Join Date: Feb 2015
Posts: 902
Originally Posted by livestrongforever View Post
so its been a few hours since I closed my redbird online and I still cant sign up for serve yet because I "still have an account opened with target redcard." SIgh I even have the Email from target saying my redcard is officially closed. Did some of you have to wait longer than the "one minute" to sign up for serve or bluebird? I am using same information for everything.

Thanks!
The vast majority of times people run into your situation is because when signing up for Serve/Bluebird they didn't use the same email address and phone number as what they had on Redbird before closing Redbird. I wrote a Redbird to Serve/Bluebird guide after the death of Redbird, several others have done that also before and after. Because of the huge Redbird to Serve influx I think it would make sense for the moderators to put some of these comments on a separate thread, or just open a separate thread, perhaps having it function for future changes as well, something like "Switching from one prepaid Amex account to another", with its own wiki from some relevant info and FAQ. This would help both people who are switching over and have questions and Serve-regulars visiting this thread who are sick of reading such questions here from us new/Redbird converts.

Another reason for such errors affecting a smaller number of people could be due to people having several prepaid Amex accounts and/or subaccounts...it seems that you have to use a unique phone number + phone type for each such account (not sure about emails, perhaps). That is, you might not be able to use the same phone nr + type of phone nr (cell, home, etc) for more than one activate prepaid Amex account.
NoonRadar is offline  
Old Oct 17, 15, 4:36 pm
  #2467  
 
Join Date: Jul 2015
Posts: 36
Today was my first time loading in October. I loaded the first two 2x$500 Simon cards but on the third one I got hit with a "DEBIT NOT APPROVED." wiki says that's due to hitting my monthly max but that can't be since I only loaded 1000. My previous loads were in the middle of September! Anyone know why I'm getting that error?
ManImCool is offline  
Old Oct 17, 15, 6:23 pm
  #2468  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by ManImCool View Post
Today was my first time loading in October. I loaded the first two 2x$500 Simon cards but on the third one I got hit with a "DEBIT NOT APPROVED." wiki says that's due to hitting my monthly max but that can't be since I only loaded 1000. My previous loads were in the middle of September! Anyone know why I'm getting that error?
I've gotten that error even though I knew that I hadn't hit my limit yet. I even got the error when trying to load to different Serve cards. My solution was to call the automated phone system and change the PIN. I guess that it just wasn't properly set.
Phantom707 is offline  
Old Oct 17, 15, 6:27 pm
  #2469  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by t325 View Post
I'm hardly a heavy MSer so might not have $500 going in my account some months. If I have a zero balance, will they still charge the $1 monthly fee for the VIP card?
The terms and conditions here are applicable to the OneVIP version as well. https://serve.com/legal/Serve/

The Monthly Fee will be withdrawn from your Available Funds and will be charged as long as there is a remaining balance on your Account, except where prohibited by law. If you have no Available Funds in your Account, we will next look to your Reserve (if applicable), followed by your Sub-Account(s), to charge the Monthly Fee.
Since it's the same set of terms as the older Serve cards, they should waive the fee if you don't have any funds when the fee is assessed.
Phantom707 is offline  
Old Oct 17, 15, 7:23 pm
  #2470  
 
Join Date: Sep 2014
Posts: 80
I canceled my redbird and signed up for a one vip a couple days ago. Today I got an email saying my one vip card had shipped and another email that said thank you for activating your new card. Is that normal? Should I call them?
HotPie is offline  
Old Oct 17, 15, 8:06 pm
  #2471  
 
Join Date: Aug 2015
Posts: 20
Anyone know if First Bank MC is treated as a purchase for softcard?
ucfGemini01 is offline  
Old Oct 17, 15, 10:44 pm
  #2472  
 
Join Date: May 2012
Location: New York
Programs: Marriott Lifetime Platinum, Hertz Pres. Circle, HHonors Gold, SPG Gold
Posts: 558
Originally Posted by HotPie View Post
I canceled my redbird and signed up for a one vip a couple days ago. Today I got an email saying my one vip card had shipped and another email that said thank you for activating your new card. Is that normal? Should I call them?
Seems to be normal. Had the same email in the past even though the card was just shipped and not received yet. Just activate when it comes in.
gk17 is offline  
Old Oct 17, 15, 11:45 pm
  #2473  
 
Join Date: Jul 2015
Posts: 39
New to serve (have 3 One VIP). Can I load Citi AAdvantage WEMC and receive points for it (online or in store)? The wiki is confusing in that it says you can only load amex CCs (online?). But then mentions the following:

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)
ODell148 is offline  
Old Oct 18, 15, 12:37 am
  #2474  
 
Join Date: Feb 2012
Posts: 1,634
When you try to link a CC to your Serve account now, the system will only accept AmEx cards. Wiki obviously needs to be cleaned up from the outdated material.
Originally Posted by ODell148 View Post
New to serve (have 3 One VIP). Can I load Citi AAdvantage WEMC and receive points for it (online or in store)? The wiki is confusing in that it says you can only load amex CCs (online?). But then mentions the following:

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)
MaxVO is offline  
Old Oct 18, 15, 5:40 am
  #2475  
NDN
 
Join Date: Jan 2015
Programs: Ritz-Carlton/Marriott/SPG Platinum, Hilton Gold, United Silver
Posts: 667
Originally Posted by MaxVO View Post
When you try to link a CC to your Serve account now, the system will only accept AmEx cards. Wiki obviously needs to be cleaned up from the outdated material.
No, the Wiki is correct still. The MasterCard reference is still valid for SoftServe accounts.
NDN is offline  

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