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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 Dec 31, 2014, 5:53 pm
  #1  
Original Poster
 
Join Date: Jul 2014
Posts: 197
Serve - Another Paypal/Amazon payments (2015)

Originally Posted by Julian Brennan
read the wiki - online load limit was always $200/d if that's what you mean
I loaded $1500 ($500 x3) online debit loads (soft serve) using my PPBDMC this month. Please try to avoid posting incorrect information.
ACVid is offline  
Old Jan 1, 2015, 12:28 am
  #2  
 
Join Date: Oct 2014
Posts: 62
Couldn't find my question answered anywhere (including Wiki/search of thread).

I wanted to add myself as a sub-account to my wife's Serve account. When attempting, I was informed the phone number is already in use (I have my own Serve account w/ this #). I entered a phone number, off by one digit, and I'm not sure if this will cause issue, but it did accept it. Any concerns I should be aware of by using a fake phone number?
LiarsDice is offline  
Old Jan 1, 2015, 3:13 pm
  #3  
 
Join Date: Feb 2011
Posts: 66
Originally Posted by LiarsDice
Couldn't find my question answered anywhere (including Wiki/search of thread).

I wanted to add myself as a sub-account to my wife's Serve account. When attempting, I was informed the phone number is already in use (I have my own Serve account w/ this #). I entered a phone number, off by one digit, and I'm not sure if this will cause issue, but it did accept it. Any concerns I should be aware of by using a fake phone number?
I just use a throwaway Google Voice number in those cases. There shouldn't be a problem but with a sub-account you can NOT add additional funds if that was your thought. You're still limited by the account limits. Sub-accounts are very limited, in fact you can't even use the card unless the main account holder assigns you funds to draw off of. It's basically for the "kids."
MisterEdF is offline  
Old Jan 1, 2015, 6:36 pm
  #4  
 
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,344
I've got a BB account. I sent my last payment today to bring it to zero. The website said the payment would be delivered on January 7.

I want to close the account and open a Serve/Softcard account.

Do I need to wait until the payment is actually delivered, or can I go ahead and close the account online now?
dingo is offline  
Old Jan 1, 2015, 6:46 pm
  #5  
 
Join Date: Apr 2014
Posts: 98
Originally Posted by dingo
I've got a BB account. I sent my last payment today to bring it to zero. The website said the payment would be delivered on January 7.

I want to close the account and open a Serve/Softcard account.

Do I need to wait until the payment is actually delivered, or can I go ahead and close the account online now?
You'll need to wait for the payment to clear before closing the BB acct.
xraywinedrinker is offline  
Old Jan 1, 2015, 6:47 pm
  #6  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by dingo
I've got a BB account. I sent my last payment today to bring it to zero. The website said the payment would be delivered on January 7.

I want to close the account and open a Serve/Softcard account.

Do I need to wait until the payment is actually delivered, or can I go ahead and close the account online now?
for your protection, it is best to make sure your payment has posted or if it's a payment to an individual, make sure it has been received so you don't have to file a dispute with Serve. It'll be difficult to file disputes on a close account. The decision is yours.
Mamibear is offline  
Old Jan 2, 2015, 3:22 am
  #7  
 
Join Date: Feb 2006
Posts: 203
Originally Posted by miadeals
OK I FIGURED IT OUT - for those of us who live in APARTMENTS!

That was the problem!

So, this is what Barclays does: You give them your home address, like 1234 Main St, Apt 999.

Barclay's system immediately ignores USPS convention and every other source of logic, and they put the apartment on the FIRST LINE instead of the second line like they are supposed to, and put your street address on the second line instead of the first line. Basically, their system looks for anyone with an address at an apartment, and swaps them, contrary to USPS convention.

So, in their AVS (Address Verification System) your address is saved as this:
Apt 999
1234 Main St

So, when Amex goes to authorize it, the AVS comes back as "no match."

So, first I went into my Barclay's profile, and fixed my address: I put the street address first, the apartment second, and saved it.

By the next day Barclay's had swapped them back!

So I went in and tried to fix it again. Then I went to Serve and tried to authorize it immediately. Still wouldn't work - because although its fixed in your online account, it is STILL not fixed in their AVS system - which is probably updated once a day, AFTER they "fix" your address!

Now, I run a business and have a merchant account, so I started running my card for $1 to see what was going on. First I tried with my address "1234 Main St" and was DECLINED. Then I tried with my address as "Apt 999" and was APPROVED.

So I realized their AVS is not updated. So I go to Serve, and try "Apt 999".

FAIL. I have no idea why.

So THEN I try, and this is insane, just "Apt".

Yes, when it asked for address, I put:

APT

And bingo, Serve approves me.



What a crap company Barclay's is.

TL;DR: if you live in apartment and try to load your Barclay's card to Serve, go to your Profile in Barclay's, look at ONLY THE VERY FIRST NUMBER OR WORD THEY HAVE for your address, and ONLY put that in - nothing more, nothing less. Do not try to fix it, do not try to change it, do not put anything else in. For street address you put the first "word" or "number" on your street address in the profile as barclay's tells you they are. Barclay's word is god. Do not attempt to correct them.
This worked for me to add my US Airways USAir MasterCard Barclays Barclaycard. Someone, please update the wiki: Barclaycard holders who have a unit / apartment / suite in their address should only input APT for the Address Line 1.

In the meantime, has anyone tried their US card yet? The $750 monthly Jan - Mar / 15K miles promo started and I plan to use the credit card load to meet the requirements if it posts as a sale, not as a cash advance. Thanks!
christof is offline  
Old Jan 2, 2015, 6:01 am
  #8  
 
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,344
Originally Posted by xraywinedrinker
You'll need to wait for the payment to clear before closing the BB acct.
Originally Posted by Mamibear
for your protection, it is best to make sure your payment has posted or if it's a payment to an individual, make sure it has been received so you don't have to file a dispute with Serve. It'll be difficult to file disputes on a close account. The decision is yours.
Thanks folks. Will sit tight until the last two payments have posted.
dingo is offline  
Old Jan 2, 2015, 6:08 am
  #9  
 
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,344
Looking at some payments on my wife's Serve account.

The only information on payments is a ref number and a delivery date. There isn't anything showing if the payment was actually sent or received.

Is it safe to assume that once the delivery date has passed, that the payment has actually been sent by AMEX?
dingo is offline  
Old Jan 2, 2015, 6:32 am
  #10  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by dingo
Is it safe to assume that once the delivery date has passed, that the payment has actually been sent by AMEX?
I don't just assume anything; if I made payments to utility companies/CCs, I check my account at those sites to see if payment went through and that's my assurance. As to paying individuals, you have to check with them and verify they received the check. Once all that is clear, you're good.
Mamibear is offline  
Old Jan 2, 2015, 7:30 am
  #11  
 
Join Date: Jun 2012
Location: Goldsboro,NC
Posts: 55
Does anyone have advice or know first had how to get the $500 back that was taken off my one vanilla, but failed to load onto my Serve card. At family dollar ive had no problem in the past, but this last time it debited my one vanilla taking away 500, but the transaction failed and froze the computer when trying to load it to my serve, making the 500 disappear. The manager tried to credit it back but that didnt work. Any advice would be greatly appreciated. Thanks.
jorbren is offline  
Old Jan 2, 2015, 7:33 am
  #12  
 
Join Date: Jun 2012
Location: Goldsboro,NC
Posts: 55
Issues at family dollar loading serve

Does anyone have advice, or know first had how to get the $500 back that was taken off my one vanilla, but failed to load onto my Serve card. At family dollar i've had no problem in the past, but this last time it debited my one vanilla taking away 500, but the transaction failed and froze the computer when trying to load it to my serve, making the 500 disappear. The manager tried to credit it back but that didn't work. I know there is a limit to not load over $500, but this was my first load of the day. Any advice would be greatly appreciated. Thanks.
jorbren is offline  
Old Jan 2, 2015, 8:35 am
  #13  
 
Join Date: May 2011
Posts: 133
I switched my spouse's account from BB to Serve last month and have yet to be able to do billpay with the new serve. Instead, I get one of two behaviors:

1. I click "Pay Bill" (or whatever), go through the motions, and it fails. In this case, I notice that the date of the payment is always 01/01/01... clearly wrong.

2. I click "Pay Bill" (or whatever), and get the lightning bolt with the following text: "Due to technical difficulties we are unable to process your request at the moment. Please try again. We apologize for the inconvenience."

I've called technical support twice. They have said "we see the issue, we'll have it fixed in 2-3 business days" both times.

I imagine that there's more experience, and overall helpfulness, here than there is with their CSRs, so .. help?

Thanks.
cdmoye is offline  
Old Jan 2, 2015, 8:50 am
  #14  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by jorbren
Does anyone have advice or know first had how to get the $500 back that was taken off my one vanilla, but failed to load onto my Serve card. At family dollar ive had no problem in the past, but this last time it debited my one vanilla taking away 500, but the transaction failed and froze the computer when trying to load it to my serve, making the 500 disappear. The manager tried to credit it back but that didnt work. Any advice would be greatly appreciated. Thanks.
I've read cases like this dealt successfully with FD. I suggest you go back to the store and talk to the manager since they know what happened and they should be able to help you trace where your funds from VGC went to. If the manager won't help you, contact FD corporate and hopefully you have a receipt of such transactions to prove your case.

In most cases I've read, it was FD that gave them back their money after several weeks. Good luck!
Mamibear is offline  
Old Jan 2, 2015, 9:08 am
  #15  
 
Join Date: Nov 2014
Posts: 197
Originally Posted by cdmoye
I switched my spouse's account from BB to Serve last month and have yet to be able to do billpay with the new serve. Instead, I get one of two behaviors:

1. I click "Pay Bill" (or whatever), go through the motions, and it fails. In this case, I notice that the date of the payment is always 01/01/01... clearly wrong.

2. I click "Pay Bill" (or whatever), and get the lightning bolt with the following text: "Due to technical difficulties we are unable to process your request at the moment. Please try again. We apologize for the inconvenience."

I've called technical support twice. They have said "we see the issue, we'll have it fixed in 2-3 business days" both times.

I imagine that there's more experience, and overall helpfulness, here than there is with their CSRs, so .. help?

Thanks.
Make sure the phone number associated with the account is the full 10 digits (has an area code)
Ritley572 is offline  


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