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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 Dec 11, 15, 12:34 pm
  #3256  
 
Join Date: Feb 2012
Posts: 1,698
Originally Posted by mikeyb45 View Post
I'm in a bit of a panic mode about the long term viability of Walmart. Any thoughts?
No MS venue has long term viability, so no reason to expect it from WM. The chain has been turning hostile to MS one store at a time (IME), but there are a few stores near me that still work.
In another alarming development, a blogger posted some indecent WM store pictures yesterday. So the end must be near.
MaxVO is offline  
Old Dec 11, 15, 12:39 pm
  #3257  
 
Join Date: Sep 2015
Posts: 460
Originally Posted by MaxVO View Post
In another alarming development, a blogger posted some indecent WM store pictures yesterday. So the end must be near.
I don't get one thing. All the bloggers know very well tat MS is becoming very difficult but they still go all out to announce to the world abt it. A whole blog on how to convert/drain GCs using serve. And if tomorrow WM shuts it down, they will write another blog saying how said they are with turn of events bla...bla...
anubond005 is offline  
Old Dec 11, 15, 12:50 pm
  #3258  
 
Join Date: Jan 2014
Posts: 563
Originally Posted by anubond005 View Post
I don't get one thing. All the bloggers know very well tat MS is becoming very difficult but they still go all out to announce to the world abt it. A whole blog on how to convert/drain GCs using serve. And if tomorrow WM shuts it down, they will write another blog saying how said they are with turn of events bla...bla...
Whats not to get? Their goal is to drive traffic to their site, which means they need to fill the space with new articles that people may want to read. It's like the supermarket checkout tabloids. The more visitors they have, the more the visitors click on ad links, the more income they generate. It doesn't do them any good if there is a good method out there, but they don't talk about it.
Lumpylump76 is offline  
Old Dec 11, 15, 12:51 pm
  #3259  
 
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 Lumpylump76 View Post
Whats not to get? Their goal is to drive traffic to their site, which means they need to fill the space with new articles that people may want to read. It's like the supermarket checkout tabloids. The more visitors they have, the more the visitors click on ad links, the more income they generate. It doesn't do them any good if there is a good method out there, but they don't talk about it.
Also, it's kinda like keeping a secret. Some people are good at that and others immediately want to go blab all details to anyone who will listen. It's human nature.
Carl is offline  
Old Dec 11, 15, 1:22 pm
  #3260  
 
Join Date: Feb 2012
Posts: 1,698
Originally Posted by Carl View Post
Also, it's kinda like keeping a secret. Some people are good at that and others immediately want to go blab all details to anyone who will listen. It's human nature.
At this point it's hardly a secret. The blogger in question described the process before and provided regular updates with appropriate discretion. Maybe it's a phase in a blog's growth, when they abandon discretion and go for notoriety instead.
MaxVO is offline  
Old Dec 11, 15, 1:24 pm
  #3261  
 
Join Date: Oct 2007
Posts: 572
Closed my regular serve by Phone, then registered for serve VIP and I get this:

"Your Account is being reviewed
Thanks for your application! However, we need additional information from you before we can approve your Account. Please check your email for further instructions. Don’t forget to check your spam folder."
ual902 is offline  
Old Dec 11, 15, 1:44 pm
  #3262  
 
Join Date: Sep 2015
Posts: 460
Originally Posted by Lumpylump76 View Post
Whats not to get?
What I don't get is why they cry hoarse and write pages n pages when an avenue gets shut down. N write how good an option it was and how MS is getting scrutinized and cut down.
I do understand the clicks part but I am sure these bloggers are smart enough to know that some things don't need to be publicized to the whole world. He himself says he had 6-7 red cards and now he moved everything to serve. Would he prefer to write n educate everyone on how to drain GFs or just do monthly load of $30k n enjoy the benefits of it.
anubond005 is offline  
Old Dec 11, 15, 1:53 pm
  #3263  
 
Join Date: Jan 2014
Posts: 563
Originally Posted by anubond005 View Post
What I don't get is why they cry hoarse and write pages n pages when an avenue gets shut down. N write how good an option it was and how MS is getting scrutinized and cut down.
I do understand the clicks part but I am sure these bloggers are smart enough to know that some things don't need to be publicized to the whole world. He himself says he had 6-7 red cards and now he moved everything to serve. Would he prefer to write n educate everyone on how to drain GFs or just do monthly load of $30k n enjoy the benefits of it.
$30K a month, at 5% cash back, assuming zero costs, results to an income of $1500 a month. A Successful blog can pull in tens of thousands a month.

Even the articles filed with teeth grinding still meets the bloggers goal: Drive traffic, get people to come over and whine together, and please use a referral while you are here...
Lumpylump76 is offline  
Old Dec 11, 15, 2:11 pm
  #3264  
 
Join Date: Dec 2013
Location: CMH
Posts: 485
Originally Posted by Lumpylump76 View Post
$30K a month, at 5% cash back, assuming zero costs, results to an income of $1500 a month. A Successful blog can pull in tens of thousands a month.

Even the articles filed with teeth grinding still meets the bloggers goal: Drive traffic, get people to come over and whine together, and please use a referral while you are here...
Do they make money if you're like me and have ad block? I stupidly clicked on the above link out of curiosity. I don't want to help their cause.
canyoncar is offline  
Old Dec 11, 15, 2:33 pm
  #3265  
 
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 Lumpylump76 View Post
$30K a month, at 5% cash back, assuming zero costs, results to an income of $1500 a month. A Successful blog can pull in tens of thousands a month.

Even the articles filed with teeth grinding still meets the bloggers goal: Drive traffic, get people to come over and whine together, and please use a referral while you are here...
Who's making 5%? And has zero cost? Or was that intended as irony?
Carl is offline  
Old Dec 11, 15, 3:37 pm
  #3266  
 
Join Date: Jan 2014
Posts: 563
Originally Posted by Carl View Post
Who's making 5%? And has zero cost? Or was that intended as irony?
That would be the Most Ideal scenario in terms of CB.
Lumpylump76 is offline  
Old Dec 11, 15, 5:25 pm
  #3267  
 
Join Date: Aug 2011
Location: SJC
Programs: DL DM
Posts: 130
Has anyone confirmed one way or another whether online loads count towards the threshold bonuses (e.g., Delta plat $25k/$50k MQM bonuses)? I'm right on the edge for one of mine, and I can wait to the closing date to produce a data point if it's helpful. But if the answer is already known to be "no," I'd rather go finish off the spend now instead of having to scramble during the last week of the year and run into problems with things not posting in time.
dyst0pia is offline  
Old Dec 11, 15, 7:29 pm
  #3268  
 
Join Date: Jan 2014
Posts: 196
I was trying to feed a third $500 to my Softcard Serve, and got some error message like: Online load is limited to $1000 per month. Tried again, and found the "Add Money" function just changed, and it seemed loading money is only possible with Amex CC now.

Is this a new development?
adminds is offline  
Old Dec 11, 15, 8:07 pm
  #3269  
 
Join Date: Jul 2013
Posts: 82
I have a direct deposit routing and account number with serve. Is it possible to do a direct withdrawal to my student lender if I get them my serve routing and acct information (they would just withdraw from serve every month).
BananaPeppers is offline  
Old Dec 11, 15, 8:30 pm
  #3270  
 
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 BananaPeppers View Post
I have a direct deposit routing and account number with serve. Is it possible to do a direct withdrawal to my student lender if I get them my serve routing and acct information (they would just withdraw from serve every month).
DD info is just that: deposits only. It's not a checking account, so ACH withdrawals aren't permitted. You can use the bill pay function to send funds to your lender.
Carl is offline  

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