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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 22, 15, 6:49 am
  #2551  
 
Join Date: Jul 2014
Posts: 180
Originally Posted by memphian901 View Post
It was indeed an AmEx.

I actually am way passed my minimum spend for my SPG card and although I know it doesnt earn points, if I hit $30k in spend for the calendar year, I'll get SPG Gold status. So there os that.

FYI - I know for a fact that the serve loads didn't count towards the $30K to hit SPG gold when I tried it a couple of months ago (still had soft serve then) but now after the redcard demise back on VIPserve. Loaded a couple of times using my SPG card..hopefully they count towards the $30K spend but based on my experience I doubt it. (If you look at your pdf statement towards the end they clearly state how much of your spend has qualified towards the $30K for SPG gold)

Someone else asked about serve loads counting towards $6500 minimum towards OBC - based on my experience it didn't count (again this was a few months ago so not sure if it is different now)
neony77 is offline  
Old Oct 22, 15, 7:10 am
  #2552  
 
Join Date: Apr 2007
Posts: 1,735
Is there any workaround for not being able to do online loads while waiting for your permanent card to arrive? It looks like mine may not get here until the 29th or 30th, which means I wouldn't be able to hit my $1000 for the month.
bobert24 is offline  
Old Oct 22, 15, 7:46 am
  #2553  
 
Join Date: Apr 2015
Location: San Diego
Posts: 229
Originally Posted by neony77 View Post
FYI - I know for a fact that the serve loads didn't count towards the $30K to hit SPG gold when I tried it a couple of months ago (still had soft serve then) but now after the redcard demise back on VIPserve. Loaded a couple of times using my SPG card..hopefully they count towards the $30K spend but based on my experience I doubt it. (If you look at your pdf statement towards the end they clearly state how much of your spend has qualified towards the $30K for SPG gold)

Someone else asked about serve loads counting towards $6500 minimum towards OBC - based on my experience it didn't count (again this was a few months ago so not sure if it is different now)
Thanks neony77, I'll be sure to come back here and post if it indeed counts toward the 30k annual spend. I'm close to it, so I can just purchase GC's but want to see this data point.

Again, will report back here once my next statement hits (around 28th/29th of this month)
memphian901 is offline  
Old Oct 22, 15, 8:00 am
  #2554  
 
Join Date: Aug 2013
Posts: 71
Anyone having trouble adding Paypal debit card to Serve? I just moved my wife's account from RedCard to Serve and when i try to add her paypal debit card which is an AU card from my account it says "The card entered is not available for registration." It was registered just fine on her RedCard a week ago.
NCianflone is offline  
Old Oct 22, 15, 9:44 am
  #2555  
 
Join Date: Dec 2013
Posts: 3,083
Originally Posted by bobert24 View Post
Is there any workaround for not being able to do online loads while waiting for your permanent card to arrive? It looks like mine may not get here until the 29th or 30th, which means I wouldn't be able to hit my $1000 for the month.
NO there isn't. Amex just like RB or BB won't allow you to do online debit loads without activating your permanent card.
ericdabbs is offline  
Old Oct 22, 15, 9:47 am
  #2556  
 
Join Date: Apr 2012
Programs: 20 million points to burn!
Posts: 1,494
Originally Posted by neony77 View Post
FYI - I know for a fact that the serve loads didn't count towards the $30K to hit SPG gold when I tried it a couple of months ago (still had soft serve then) but now after the redcard demise back on VIPserve. Loaded a couple of times using my SPG card..hopefully they count towards the $30K spend but based on my experience I doubt it. (If you look at your pdf statement towards the end they clearly state how much of your spend has qualified towards the $30K for SPG gold)

Someone else asked about serve loads counting towards $6500 minimum towards OBC - based on my experience it didn't count (again this was a few months ago so not sure if it is different now)
True. Serve loads didn't count toward the $6500 spend on the OBC before the 5% kicks in, as recently as last month. Caveat emptor...
Preacher7 is offline  
Old Oct 22, 15, 9:54 am
  #2557  
Suspended
 
Join Date: Dec 2014
Posts: 8,460
Originally Posted by neony77 View Post
FYI - I know for a fact that the serve loads didn't count towards the $30K to hit SPG gold when I tried it a couple of months ago (still had soft serve then) but now after the redcard demise back on VIPserve. Loaded a couple of times using my SPG card..hopefully they count towards the $30K spend but based on my experience I doubt it. (If you look at your pdf statement towards the end they clearly state how much of your spend has qualified towards the $30K for SPG gold)

Someone else asked about serve loads counting towards $6500 minimum towards OBC - based on my experience it didn't count (again this was a few months ago so not sure if it is different now)
Why load with CC when you can just buy a VGC and load with that which will count for your SPG gold mark?
TMM1982 is offline  
Old Oct 22, 15, 10:05 am
  #2558  
 
Join Date: Apr 2015
Location: San Diego
Posts: 229
Originally Posted by TMM1982 View Post
Why load with CC when you can just buy a VGC and load with that which will count for your SPG gold mark?
The difference between RB and new flavors of Serve cards is that you can do 1k in CC load online, using an AmEx issued CC only. Thing is, the data points are that you will not earn points/miles using an AmEx issued CC, however CC's not issued by AmEx, but are branded AmEx, do earn points/miles/cash back - an example of this is Fidelity AmEx.

This info is all in the Wiki, if you take the time to read it. And please, don't yell at the folks at WallyWorld like you did at Target - and don't berate CS folks there either, and don't call AmEx and complain that WallyWorld/Kate isn't taking your VGC's. Please do that for us. I remember you did something like that and put in a post in the RB thread. Good grief.

Anyways, back on topic - I am going to check my SPG AmEx statement once it posts on the 28th/29th and see if my CC loads are counting towards the 30k annual spend to achieve SPG Gold status - if it does, great. If it doesn't, which I am inclined it doesn't, then I will get the Fidelity AmEx and start utilizing that for $20 cash back each month for my 1k CC loads to Serve.
memphian901 is offline  
Old Oct 22, 15, 10:31 am
  #2559  
 
Join Date: Sep 2012
Posts: 4,337
Originally Posted by NCianflone View Post
Anyone having trouble adding Paypal debit card to Serve? I just moved my wife's account from RedCard to Serve and when i try to add her paypal debit card which is an AU card from my account it says "The card entered is not available for registration." It was registered just fine on her RedCard a week ago.
I was going to say that AU debit cards can't load AMEX prepaid cards online, but you said it was fine on RB a week ago, so I don't know what to say. I've been able to load my BB and then RB card with my PPBDMC, but I've read many stories of people not being able to load with that.
DaveInLA is offline  
Old Oct 22, 15, 10:36 am
  #2560  
 
Join Date: Aug 2013
Posts: 71
Originally Posted by DaveInLA View Post
I was going to say that AU debit cards can't load AMEX prepaid cards online, but you said it was fine on RB a week ago, so I don't know what to say. I've been able to load my BB and then RB card with my PPBDMC, but I've read many stories of people not being able to load with that.
Is that a common or known issue? The debit card was added to the RedCard last feburary. Maybe since then they have enforced this check and hers was just grandfathered in for awhile. If i cant get it added i should still beable to get her her own paypal debit and use that fine?
NCianflone is offline  
Old Oct 22, 15, 11:21 am
  #2561  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by DaveInLA View Post
I was going to say that AU debit cards can't load AMEX prepaid cards online, but you said it was fine on RB a week ago, so I don't know what to say. I've been able to load my BB and then RB card with my PPBDMC, but I've read many stories of people not being able to load with that.
Authorized user debit cards do work. I've been doing it since around June or so, and I even added a new one this month.

I had an issue where I wasn't able to add my PayPal debit card a while ago, February. I left it alone for a few months and came back. I was able to add it fine. I don't know what changed in the interim.
Phantom707 is offline  
Old Oct 22, 15, 11:43 am
  #2562  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 26,872
Originally Posted by neony77 View Post
FYI - I know for a fact that the serve loads didn't count towards the $30K to hit SPG gold when I tried it a couple of months ago (still had soft serve then) but now after the redcard demise back on VIPserve. Loaded a couple of times using my SPG card..hopefully they count towards the $30K spend but based on my experience I doubt it. (If you look at your pdf statement towards the end they clearly state how much of your spend has qualified towards the $30K for SPG gold)

Someone else asked about serve loads counting towards $6500 minimum towards OBC - based on my experience it didn't count (again this was a few months ago so not sure if it is different now)
Based on reading numerous data points over the past 6 months, here is my observation on how the load would count.

1) in a majority cases, the loads do count towards meeting minimum spend to earn the INITIAL bonuses. There are a few exceptions but I forgot whether they were all related to business cards or just card specific.

2) Virtually all subsequent spend requirements, be it to qualify a status, earn EQM, or the meeting the threshold spend like the 6500 OBC, the loads DO NOT COUNT.
Happy is offline  
Old Oct 22, 15, 2:33 pm
  #2563  
 
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, SPG Plat, IHG Plat, Hilton Diamond,Club Carlson Gold
Posts: 1,095
Originally Posted by NCianflone View Post
Anyone having trouble adding Paypal debit card to Serve? I just moved my wife's account from RedCard to Serve and when i try to add her paypal debit card which is an AU card from my account it says "The card entered is not available for registration." It was registered just fine on her RedCard a week ago.
I'm another new convert from RB to Serve. Still waiting for my OneVIP to arrive in the mail. (And oh my gosh, this thread is 171 pages. I can see the flames now when some of us new Serve-ites start asking questions.)

Anyway, many moons ago I had a BB card. I remember that I had difficulty when I tried to add my PP Biz DC to BB. I got a message that additional info was needed. I remember speaking with a BB CSR and that I was told to scan both the debit card and my drivers license, email the info, and then call back so that my email could be matched up to my account. After I did that, it was smooth sailing.

I know that MS rule #1 is "Do not call!!" But if you are getting nowhere, you may have to in order to straighten this out.
GetawaysRus is offline  
Old Oct 22, 15, 2:44 pm
  #2564  
 
Join Date: Sep 2013
Location: WildWildWest
Posts: 106
Just tried to load $500 to a temp serve card at FD. After swiping the serve the cashier got a "Denied" error before I even was able to swipe VGC. She thought maybe $500 was too much for a load transaction so we tried to load $400. Still denied.

Is there a reason the load would be denied before even attempting to swipe the funding source? The original load to this was $495 when purchased and nothing since then, so I haven't reached the $1K max yet. Perhaps somebody already did a load at this store today? Is there still a limit to $500/day/store?
tree100 is offline  
Old Oct 22, 15, 3:03 pm
  #2565  
 
Join Date: Mar 2007
Posts: 375
Is there any use of online debit loads to Serve now?
groundhog is offline  

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