READ THE WIKI! IT IS VERY CLEAR! 1)
You can send and receive up to $1k a month from your credit card. It goes by the 1st of the calendar month and not 30 days from your previous payment.2)
Many people say that you should not use an AMEX card to fund it, as it may be a trigger for an F/R, however it is OK to buy gift cards (with your AMEX) and then send it with AP. First, add the GC to your profile using the wrong expiration date, and immediately change it to the correct date and send the funds.3)
Although AP requires a SSN, you will not get a 1099 unless you are receiving over $20k per year AND have done 200 transactions. 4)
You can open a few accounts and send money between them, but don't send back and forth between two of the same accounts. Most people didn't have problems opening only 2 accounts per SSN even if it's linked to the same bank account. Same with sending or receiving with a spouse who has the same bank account linked to their account. 5)
If you get a message stating "We are unable to complete your transaction until further review. It can take up to 24 hours to complete this transaction. We apologize for any inconvenience this delay may cause"
, relax and be patient. It is perfectly normal. You will always get the pending message. If it's not the first time, just click on the confirmation/transaction number and it will show that it's completed. 6)
Withdrawals are never authorized immediately. Be patient. It doesn't even take a day. 7)
It's perfectly normal for you to get a message that your withdrawal has succeeded and it doesn't show up yet in your bank account even as "pending". Be patient. 8 )
The driver's license number on the account need not be a real number, only the same format. 9)
You have to verify a bank account to be able to send $1000. Otherwise, only $500.10)
The receiver has to add a credit card to the account to be able to capture the funds sent.11)
Make sure to select "Goods and Sevices" when sending money.