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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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Closed Thread

Old Oct 19, 15, 2:39 pm
  #2491  
 
Join Date: Aug 2009
Posts: 131
Originally Posted by desikid View Post
Serve online loading T&C says loading with credit card may be treated as CA.
Is that true?
Before I try using my SPG business, I want to make sure about it.. TIA.
Also, does fidelity amex still gives 2% back?
SPG is treated as a purchase, but does NOT give any points for CC loads. It can only be used to meet minimum spending - however, the T&Cs do state that loadable pre-paid cards don't count, so there is no telling how long that will continue.

And Yes, Fidelity Amex still gives 2%!
DVDBob is offline  
Old Oct 19, 15, 3:25 pm
  #2492  
 
Join Date: Sep 2014
Posts: 1,812
Originally Posted by stupidzbu View Post

all but one Serve app requested documents to verify ID. They've been uploaded no issues.. well, one issue, the stupid programming kept rejecting PDFs and only accepted JPGs

My only question is does this require a follow up call to get the account finalized or will it just happen on its own?
I converted one to BB and I had to upload docs.

I received an email a few hours after that the account was approved.
lumangoy is offline  
Old Oct 19, 15, 5:03 pm
  #2493  
 
Join Date: Sep 2015
Posts: 26
Originally Posted by desikid View Post
Serve online loading T&C says loading with credit card may be treated as CA.
Is that true?
Before I try using my SPG business, I want to make sure about it.. TIA.
Also, does fidelity amex still gives 2% back?
Just so you have another datapoint, I loaded $1000 from SPG Biz to Serve and bought a few VGCs and just hit min spend and got the points last week. Serve loads count towards spend, but no points earned. VGCs count for both.
Nerbil is offline  
Old Oct 19, 15, 5:31 pm
  #2494  
 
Join Date: Aug 2015
Posts: 322
Originally Posted by Nerbil View Post
Serve loads count towards spend, but no points earned. .
How can you load serve direct from CC? I thought with CC, you buy VGC and then with VGC you load serve. You can use amex network cards to load serve online, but in store, I don't believe you can use any CC to load serve.
nfpa70e is offline  
Old Oct 19, 15, 5:47 pm
  #2495  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by Newyorker11 View Post
How can you load serve direct from CC? I thought with CC, you buy VGC and then with VGC you load serve. You can use amex network cards to load serve online, but in store, I don't believe you can use any CC to load serve.
I don't see where the OP mentioned loading Serve with CC in-store I understood it as loading Serve online AND bought VGCs in-store and saw that they earned points last week. No points earned for the Serve loads made.

with due respect, based on all your questions in various threads, I'm not sure if English is your first language but if not, I can understand why you don't seem to comprehend all that's already laid out in clear terms (short of circles and arrows) in different threads.

you may have to ask yourself if MS is for you before you get into serious financial disaster if you don't know what you're doing. HTH.
Mamibear is offline  
Old Oct 19, 15, 7:48 pm
  #2496  
 
Join Date: Jul 2015
Posts: 286
is there a multiple swipe loading script for walmart?

I follow the 70-action-1- load but i need to load more than 500 at a time. Whats the actual step by step process at a register/CSR?
isriam is offline  
Old Oct 19, 15, 8:00 pm
  #2497  
 
Join Date: Oct 2012
Location: BOS, PVD
Programs: SPG Gold, Hyatt Pt, CBP Global Entry
Posts: 94
Originally Posted by isriam View Post
is there a multiple swipe loading script for walmart?

I follow the 70-action-1- load but i need to load more than 500 at a time. Whats the actual step by step process at a register/CSR?
Yes. Up 4 cards including your serve card. For $500, you can only do 2x $500 because of $1000 load per transaction. I only go to the cashiers that know how to do split tenders. And some wont let you do it all.
ngoc92 is offline  
Old Oct 19, 15, 8:12 pm
  #2498  
 
Join Date: Jul 2015
Posts: 286
So you say load 1k and they hit load and key in 1k? When do you split tender?
isriam is offline  
Old Oct 19, 15, 8:25 pm
  #2499  
 
Join Date: Oct 2012
Location: BOS, PVD
Programs: SPG Gold, Hyatt Pt, CBP Global Entry
Posts: 94
Originally Posted by isriam View Post
So you say load 1k and they hit load and key in 1k? When do you split tender?
Then tell them 'I want to pay $500 on the first debit card'. Some cashiers dont know how to do it at my store. do a small amount to test first so if they dont know how to split, you can still finish with the load without calling the csm over to cancel.
ngoc92 is offline  
Old Oct 19, 15, 8:37 pm
  #2500  
 
Join Date: Oct 2014
Posts: 827
Originally Posted by isriam View Post
is there a multiple swipe loading script for walmart?

I follow the 70-action-1- load but i need to load more than 500 at a time. Whats the actual step by step process at a register/CSR?
The only time I have had a really FUBAR situation at WM is when I tried to do a split tender Serve load at a normal register. I understand the process, but when the cashier is a min wage employee possibly prone to mistakes, I prefer to make it as easy as possible. $500, finish load, and say "Can I do the same thing again please?"
CWAL is offline  
Old Oct 20, 15, 5:28 am
  #2501  
 
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,088
No more serve soft 1500 load??

Just got this error on my serve-soft card:
REQUEST TO LOAD MONEY HAS EXCEEDED THE MONTHLY LIMIT OF 250

was able to load 500 earlier in the month and another 500 yesterday...
dsauch is offline  
Old Oct 20, 15, 5:50 am
  #2502  
 
Join Date: Apr 2014
Posts: 1,269
Originally Posted by ngoc92 View Post
Yes. Up 4 cards including your serve card. For $500, you can only do 2x $500 because of $1000 load per transaction. I only go to the cashiers that know how to do split tenders. And some wont let you do it all.
Sometimes it's eaasier to do 2 loads. Cashiers around me wouldn't know split tender if it ran up and bit them.
ZzzzX is offline  
Old Oct 20, 15, 6:04 am
  #2503  
 
Join Date: Mar 2015
Posts: 88
On the Serve website I see it says that it can now be loaded at Dollar General. Anyone had success with this and if so how much were you able to load? There are a ton of Dollar Generals all around my area.
the188 is offline  
Old Oct 20, 15, 6:14 am
  #2504  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by the188 View Post
On the Serve website I see it says that it can now be loaded at Dollar General. Anyone had success with this and if so how much were you able to load? There are a ton of Dollar Generals all around my area.
I asked the DG manager and he said cash only to load any prepaid reloadable cards. If you're loading with cash, you'll not have a problem but watch out for your safety when bringing a ton of cash to 'deposit' at DG. It's the same for loading at CVS.
Mamibear is offline  
Old Oct 20, 15, 6:29 am
  #2505  
 
Join Date: Mar 2015
Posts: 88
Originally Posted by Mamibear View Post
I asked the DG manager and he said cash only to load any prepaid reloadable cards. If you're loading with cash, you'll not have a problem but watch out for your safety when bringing a ton of cash to 'deposit' at DG. It's the same for loading at CVS.
Thanks for the reply. Do you know if its hard-coded or just management policy? I really would have no interest in cash loads (no pun intended). Thankfully my area is pretty rural / college town so crime is pretty low.
the188 is offline  

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