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Serve - Another Paypal/Amazon payments (2015)

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Old Jan 10, 2015, 8:55 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ericdabbs
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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Serve - Another Paypal/Amazon payments (2015)

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Old Jun 20, 2015, 12:12 pm
  #1606  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 29,750
Originally Posted by MisterBill
I don't see how I'm losing the 2% on the FIA card, given that I wasn't loading to Serve from it (I am not a hard-core MS'er). I just wanted to get rid of the spending requirement. I currently have a targeted 5% groceries offer on my Citi TY Preferred card, and just applied for the Sallie Mae card that will give me 5% on gas and groceries going forward. I know it's only $250/mo on each, but that's enough for my needs. So I don't really know that I will be using the BCE for groceries, or much of anything other than having another 2 cards to use for AMEX Ofers and Small Business Saturday. I'm up to 19 cards now. I was thinking I should get an AU card for one of my kids on this new card so I can have an even number of cards for SBS.

Good point on AMEX being able to verify the info from the BCE card, while it couldn't with the FIA card.
OK, you have some other factors that you did not mention in previous post. That can change the equation a bit. Add your 15 years or older kids to ALL your AMEX cards as AUs so you can take more advantage on the AMEX offers.

Without the Preferred and the Sallie Mae, the math would be the following:

If you leave the FIA in Serve, you get the 2% without spending a dime on $1K.

Meanwhile you use the Everyday for your regular grocery needs in a couple months that would also earn you 2% + the possible 0.2%. This spend does not cost you any additional as you would buy spend at grocery stores anyway.

Now the Everyday does not earn anything on that $1K - that effectively lose 2.2% on $1K.

Meanwhile, the FIA will earn 2% on any spend, but it also lose the 2% from that $1K attached to Serve.

You actually lose 2x 2% on a $1K spend based on the initial information provided, the net amount forfeited is a miniscule $40. It is kind of silly to go thru the switching (and may switching back once the Everyday spend is met) just to lose $40 in the process. That is what I try to point out. No big deal.

Last edited by Happy; Jun 20, 2015 at 12:18 pm
Happy is offline  
Old Jun 21, 2015, 12:35 am
  #1607  
 
Join Date: Nov 2014
Posts: 58
Best bank debit card to use with Serve?

I went through the Serve FAQ and spent a bunch of time looking online for a decent (~1%?) cash back or similar program for debit cards at a bank. FAQ said that Serve won't take any non-bank issued debit cards (not even PayPal).

Any ideas?
rebelx is offline  
Old Jun 21, 2015, 12:48 am
  #1608  
 
Join Date: Mar 2013
Posts: 14
Link non-amex CC?

Sorry of this has been answered before (read several pages and could not find the answer).

I have a serve with softcard. I am currently using a non-amex CC linked a year back and have been using it do CC loads of $1.5K per month.

After the recent changes, can you link a NEW non-amex CC (to soft serve)? I haven't tried it myself since I could lose the ability to use my 2% card for CC load. Can anyone clarify this? Appreciate it.
openloop is offline  
Old Jun 21, 2015, 5:20 am
  #1609  
 
Join Date: May 2015
Posts: 97
Serve takes my Paypal debit just fine.
BrownHP800 is offline  
Old Jun 21, 2015, 7:03 am
  #1610  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by openloop
I have a serve with softcard. I am currently using a non-amex CC linked a year back and have been using it do CC loads of $1.5K per month.

After the recent changes, can you link a NEW non-amex CC (to soft serve)? I haven't tried it myself since I could lose the ability to use my 2% card for CC load. Can anyone clarify this? Appreciate it.
as long as you have a Serve-Softcard account, you can switch to other CCs like you used to. What I did to prevent the error message to call CPS when linking a new card is scan and upload it hours before actual loading. They can make a quick check of the CC to see if it's in my name. This has worked well for me.
Mamibear is offline  
Old Jun 21, 2015, 7:37 am
  #1611  
 
Join Date: Feb 2011
Posts: 66
Originally Posted by openloop
Sorry of this has been answered before (read several pages and could not find the answer).

I have a serve with softcard. I am currently using a non-amex CC linked a year back and have been using it do CC loads of $1.5K per month.

After the recent changes, can you link a NEW non-amex CC (to soft serve)? I haven't tried it myself since I could lose the ability to use my 2% card for CC load. Can anyone clarify this? Appreciate it.
Originally Posted by Mamibear
as long as you have a Serve-Softcard account, you can switch to other CCs like you used to. What I did to prevent the error message to call CPS when linking a new card is scan and upload it hours before actual loading. They can make a quick check of the CC to see if it's in my name. This has worked well for me.
I have switched between new/different visa & m'card cards total of 6 times across 2 separate accounts in the last 3 months even within the same month and never had to call or send anything. Can't understand why some have to and some don't. I also don't see any reason to send info when not requested to do so. It only takes a minute to upload and call if required. Why let a person there be aware you're switching unless necessary?
MisterEdF is offline  
Old Jun 21, 2015, 9:28 am
  #1612  
 
Join Date: Oct 2013
Programs: HH Diamond, Hyatt Diamond, IHG Platinum, Marriott Silver
Posts: 252
Originally Posted by MisterEdF
I have switched between new/different visa & m'card cards total of 6 times across 2 separate accounts in the last 3 months even within the same month and never had to call or send anything. Can't understand why some have to and some don't. I also don't see any reason to send info when not requested to do so. It only takes a minute to upload and call if required. Why let a person there be aware you're switching unless necessary?
While I haven't had a problem linking non-Amex CC's recently, I ALWAYS upload a scan of my ID + Card right after I change the CC because almost always you will be "Locked" after your 1st transaction so to facilitate problem-free use I always do this to "pre-approve" the card. Note that when you remove the card and add it again it will always be pre-approved so you can do this for multiple cards in the same month that way when the next month starts you can unlink and re-link multiple cards in the first 3 days without any problem.
knowledgeispower is offline  
Old Jun 21, 2015, 7:04 pm
  #1613  
 
Join Date: Feb 2011
Posts: 66
Originally Posted by knowledgeispower
While I haven't had a problem linking non-Amex CC's recently, I ALWAYS upload a scan of my ID + Card right after I change the CC because almost always you will be "Locked" after your 1st transaction so to facilitate problem-free use I always do this to "pre-approve" the card. Note that when you remove the card and add it again it will always be pre-approved so you can do this for multiple cards in the same month that way when the next month starts you can unlink and re-link multiple cards in the first 3 days without any problem.
Sorry, I guess I wasn't clear. I have linked 6 totally new (3 for me 3 for my wife's account - Chase United, Chase SW & Wells Fargo), first time used on Serve cards over the last few months across 2 accounts and never needed to verify.

My guess is, your cards probably would have had no problem even if you had NOT uploaded them. By calling them, IF that was what you did, each time you upload a new card (IMO) you are just making it more obvious what you are up to. If you say you DID NOT call them after sending, then the chances are slim they ever looked at it anyway and you wouldn't have needed to upload it because they don't check every card and immediately to OK it unless you call them and bring it to their attention that you need it to be done. Normally it sits for many days without action.

That was MY experience (never uploaded, never called - except very first card when I opened the account) and of course other folks such as yourself could have different experiences. Just posting what my personal experience has been and that maybe you are making unnecessary work for yourself..


Bottom line is, IMO & FWIW would be register the card and if and only if they ask for it, then send it. The whole process (upload & call) can be complete in 10 minutes or less. Why bring it to a "human's" attention unless it's needed? The more you expose yourself the more chances for problems.
MisterEdF is offline  
Old Jun 21, 2015, 10:43 pm
  #1614  
 
Join Date: Oct 2013
Programs: HH Diamond, Hyatt Diamond, IHG Platinum, Marriott Silver
Posts: 252
Originally Posted by MisterEdF
Sorry, I guess I wasn't clear. I have linked 6 totally new (3 for me 3 for my wife's account - Chase United, Chase SW & Wells Fargo), first time used on Serve cards over the last few months across 2 accounts and never needed to verify.

My guess is, your cards probably would have had no problem even if you had NOT uploaded them. By calling them, IF that was what you did, each time you upload a new card (IMO) you are just making it more obvious what you are up to. If you say you DID NOT call them after sending, then the chances are slim they ever looked at it anyway and you wouldn't have needed to upload it because they don't check every card and immediately to OK it unless you call them and bring it to their attention that you need it to be done. Normally it sits for many days without action.

That was MY experience (never uploaded, never called - except very first card when I opened the account) and of course other folks such as yourself could have different experiences. Just posting what my personal experience has been and that maybe you are making unnecessary work for yourself..


Bottom line is, IMO & FWIW would be register the card and if and only if they ask for it, then send it. The whole process (upload & call) can be complete in 10 minutes or less. Why bring it to a "human's" attention unless it's needed? The more you expose yourself the more chances for problems.
Totally agree with you; in my experience I guess I've had it happen multiple times with multiple cards that I decided this way was less headache but I can see how it could be problematic.
knowledgeispower is offline  
Old Jun 21, 2015, 10:58 pm
  #1615  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by knowledgeispower
Totally agree with you; in my experience I guess I've had it happen multiple times with multiple cards that I decided this way was less headache but I can see how it could be problematic.
I've also had my credit cards outright denied by Serve when I hadn't submitted the pictures. This has happened for me at least three times across four Serve accounts. As such, whenever I change the card now, I upload a picture of the card. By the way, you only need to submit your driver's license once, with it being on file from then on.
Phantom707 is offline  
Old Jun 21, 2015, 11:05 pm
  #1616  
 
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Originally Posted by openloop
Sorry of this has been answered before (read several pages and could not find the answer).

I have a serve with softcard. I am currently using a non-amex CC linked a year back and have been using it do CC loads of $1.5K per month.

After the recent changes, can you link a NEW non-amex CC (to soft serve)? I haven't tried it myself since I could lose the ability to use my 2% card for CC load. Can anyone clarify this? Appreciate it.
You wasted a lot of time reading through the thread, as this information is near the top of the wiki.

A reminder to everyone: Read the wiki, save some time *and* face.
sechs is offline  
Old Jun 22, 2015, 8:26 am
  #1617  
 
Join Date: Sep 2011
Posts: 176
Us Bank Flexperks.... any IRL evidence that this works for loading Serve? I have been looking for verification and can't find any posts.... I mean to get rewards for loading.... Not softserve,just regular old Serve.
hsmama is offline  
Old Jun 22, 2015, 9:37 am
  #1618  
 
Join Date: Jul 2014
Posts: 3,688
The main reason I decided to upload scan of new CCs right before I link them to my account add money from them is to avoid possible error message where I'm asked to call CPS. For whatever reasons, DH has never had these error messages when he loads with new CCs but for whatever reasons, I got them often in the past. Not anymore since I became pro active

Ever since I uploaded ahead of time, I've never seen the error message when loading with new CCs. With this, I don't have to call CPS to unblock the card(s) since they can easily check the scan to see it's in my name.
Mamibear is offline  
Old Jun 22, 2015, 2:16 pm
  #1619  
 
Join Date: Oct 2014
Posts: 108
You need to call Serve customer support. I just switched mine from Target redbird to Serve a week ago. I received my card two days ago. I added paypal debit for the debit load source yesterday and upload the related documents. I got an email from Serve this morning and said my Paypal debit has been declined. At first, I think this is the end of my serve that Amex has tighten up the debit resource. I actually regretted that why I transferred Target RB to serve.

I decided to call Serve and gave it a try. I prepared that to argue that I have used paypal debit on RB with no issue. It turned out that someone from the fraud department treated every paypal card as prepaid card, the CS apologies to me and granted my payapl debit card.


Originally Posted by rebelx
I went through the Serve FAQ and spent a bunch of time looking online for a decent (~1%?) cash back or similar program for debit cards at a bank. FAQ said that Serve won't take any non-bank issued debit cards (not even PayPal).

Any ideas?
wuchien6401 is offline  
Old Jun 22, 2015, 3:28 pm
  #1620  
 
Join Date: Jun 2015
Posts: 1
Anyone have any experience with BOA closing your Fidelity Amex or Serve closing your account when MSing $1000 a month through Serve? I searched the thread and couldn't find anything, so hopefully that is good news.
BalisongAddict is offline  


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