Topic Wiki

DEAD - 10/13/14

READ THE WIKI! IT IS VERY CLEAR!

The Basics:

You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account. (No, you don't withdraw the money to your CC or GC.) These limits reset on the 1st of the calendar month at 12am Pacific Time.

Setup:

1. Although AP requires a SSN, you will not get a hard pull against your credit. You will not get a 1099-K unless you are receiving over $20k per year AND have done 200 transactions.

2. The driver's license number on the account need not be a real number, only the same format.

3. You need to connect and verify a bank account to be able to send $1,000/month. Otherwise, only $500 will be allowed. (Also, you will have difficulty withdrawing money to your bank account if it is not connected to your account.)

4. Verification can sometimes be instant if you log into your bank account through Amazon, but sometimes (particularly with smaller banks or CUs, it seems) the only working option is to allow AP to make two small deposits to you account (less than a dollar, often much less) and then reporting the exact amounts thereby verifying that the account is yours. (If you want to use AP as described here, don't even think about trying to profit from the small deposits by opening up a ton of accounts. You have been warned.)

5. The receiver account must add a credit card to be able to capture the funds sent.

Sending Money

1. Make sure to select "Goods and Services" when sending money. This is important so that the transaction codes as a purchase (for which you will get CC points/miles) and not a cash advance (for which you will not).

2. For some reason, when sending the value from GCs, AP will often prevent the full value from being sent unless, when connecting the GC with your account, you first enter the wrong expiration date and then change it to the correct one. <blinkblink>... <shrug>... but it works.  Or wait a week after putting the GC into your account for the hold to be removed from the funds.

3. And no, Amazon Gift Card balance cannot be used with Amazon Payments.

Multiple accounts:

1. It is highly recommended not to access both accounts of a transaction from the same IP address. Please see the IP Information section below for more... IP Information.

2. Most people didn't have problems opening two accounts per SSN even if they link to the same bank account, but it is risky to send money back and forth between them. Some report a similar risk with sending or receiving with a spouse who has the same bank account linked to their account.

3. Sending money using the same CC from different accounts is a known cause of shutdown.

Error messages and potential delays

1. 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.

2. Withdrawals are never authorized immediately. Be patient. It usually doesn't even take a full day. Likewise it's perfectly normal for you to get a message that your withdrawal has succeeded but it doesn't show up in your bank account yet even as pending. It will be there soon. Be patient.

3. Verifying a bank account via the deposit method can take a few days. Please anticipate and account for the extra time needed for the deposit method if you are planning to set up and use an account for the first time late in the month.

IP Information:

1. To check the IP address of the device you're using, Google "how to check my IP address"

2. All devices using the same WiFi router have the same IP address.

3. A computer connected to the Internet with a router has a different IP than it does if connected to the Internet without a router.

4. Browsing incognito or in private mode does not change your IP address.

5. To change the IP address of a computer, turn off the computer, wait a few minutes, then turn it back on. Check if you have a new IP address. If not, turn it off for 8+ hours (overnight or something) and check again. You will likely have a new IP address.

6. On a phone or other device (with it's own data) switch WiFi off. To change IP addresses, switch to 'airplane mode' and switch back and you will usually have a new IP address. Note: If your phone or tablet has WiFi only, it will always have the same IP address as other devices that connect through the same WiFi.


PBaruch's suggestions:

1. It is no longer generally considered safe to have multiple AP accounts for the same person.  Yes, there are exceptions and some people have had luck but I would caution against it.  If you are the reckless type go to number 2 below.  If not, please proceed to number 3 below.

2. If you do decide to try your luck and open 2 or more AP accounts for the same person, do not send $ back and forth between these two accounts.

3. Do not send $ back and forth between people in the same household.  Again, there are exceptions and some people have had luck but it is a trigger for a shutdown.  The way AP views it is if you are in the same household, give em cash. 

4. If there are multiple AP users in the same household, do NOT use the same IP address.  If you do, be warned.  You will very likely be shut down.

5. If you are shut down, you may have luck reopening your AP account by varying the spelling of your name and changing your address. 

6. If you want to send $ to a spouse, it helps if he/she has a different last name and address.

7. I would caution against any complete circles or triangles.  For instance, do not send A-B-C-A.  Rather, send A-B-C-D.

8. If you need bank accounts to link to AP, it is VERY easy to open multiple accounts (with no fee) by using Capitol One 360: https://home.capitalone360.com/ (Be aware that this is likely a hard pull.)

9. Do NOT do instant account verification. Let them send deposits instead to verify the account.  By doing so, I do not believe that they know who owns the account. This may be useful if you use some of my other suggestions.

These are my suggestions based upon personal experience and my gleaning of other posts.

Poll

Were you shut down?

Yes, but i got it back! :)
7 (2.9%)
Yes. :(
55 (22.5%)
No, B"H!  :)
149 (61.1%)
Yes and No (I have more then 1 account)
33 (13.5%)

Total Members Voted: 244

Author Topic: Amazon Payments Master Thread (RIP 10/13/14)  (Read 1118760 times)

Offline good sam

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #280 on: November 09, 2011, 02:01:49 PM »
 ???
If you don't care why would you comment?
HT: DMYD

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #281 on: November 09, 2011, 05:17:54 PM »
Amazon Payments does not earn 3%. Just confirmed with a Chase rep.
1 – Don’t ever call CSR about something like this. It just brings undo attention to it.
2 – Most CSR are clueless to these matters.
3 – The best way to verify this is trial and error.
4 – It does not work!
"Elvis Has Left The Building"

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #282 on: November 09, 2011, 05:41:14 PM »
1 – Don’t ever call CSR about something like this. It just brings undo attention to it.
2 – Most CSR are clueless to these matters.
3 – The best way to verify this is trial and error.
4 – It does not work!

+1
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Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #283 on: November 10, 2011, 07:34:30 PM »
I have a double points chase co card promo this month. To capitalize I want to buy amex gift cards and use them through amazon payments over the next few months. Can anyone think of anything I'm missing? Also any free Amex gift cards these days?

Offline Spiffster

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #284 on: November 11, 2011, 03:52:08 AM »
Using the Amazon card gets 0 points for AP.  I tried this a long time ago and again, just a couple months ago.

Offline Thechy

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #285 on: November 13, 2011, 11:01:31 AM »
Just received this email
Greetings from Amazon Payments.

We are writing because it has come to our attention that you have opened multiple accounts.

Amazon TextPayMe and Amazon WebPay have a combined sending and receiving limit of $1000 per month per user. Multiple accounts opened to potentially enhance this limit will be closed.

All pending transactions have been canceled and your Amazon Payments accounts closed.

We appreciate your compliance with this matter and thank you for your interest in Amazon Payments.

Sincerely,

I will keep you posted

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #286 on: November 13, 2011, 02:16:58 PM »
has anyone ever experienced trouble using up an amex gc through amazon payments

Offline bubbles

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Earn miles/points with Amazon payments using a credit card
« Reply #287 on: November 13, 2011, 02:19:19 PM »
has anyone ever experienced trouble using up an amex gc through amazon payments
Just emptied one. As has already been mentioned you have to take into account the $1 hold that they put on your card when you add it to your account. So if you have a $100 card you will only be able to send $99 right away

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #288 on: November 13, 2011, 03:00:30 PM »
thanks

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #289 on: November 13, 2011, 03:17:09 PM »
Just emptied one. As has already been mentioned you have to take into account the $1 hold that they put on your card when you add it to your account. So if you have a $100 card you will only be able to send $99 right away
Add the card a week before you are going to drain it so you don't have this problem.
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Offline scwam

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #290 on: November 13, 2011, 03:52:42 PM »
Will amazon allow 5 x $100 gift card increments to be added and then a single $500 Amazon Payment to be applied to it?

Offline good sam

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #291 on: November 13, 2011, 03:58:30 PM »
Just received this email
Greetings from Amazon Payments.

We are writing because it has come to our attention that you have opened multiple accounts.

Amazon TextPayMe and Amazon WebPay have a combined sending and receiving limit of $1000 per month per user. Multiple accounts opened to potentially enhance this limit will be closed.

All pending transactions have been canceled and your Amazon Payments accounts closed.

We appreciate your compliance with this matter and thank you for your interest in Amazon Payments.

Sincerely,

I will keep you posted
I'm assuming you had both accounts under the same name?
If you don't care why would you comment?
HT: DMYD

Offline boruch

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #292 on: November 17, 2011, 07:39:32 AM »
I toughed this might be helpful to anyone.
I use two amazon payment accounts (one mine and one my wife's) to transfer money between them each month. I first use to do it to meet the spending requirements but now I just use it to collect rewards. ($2000 a month plus 7% dividend, I use two Chase Sapphires, gives me 25680 extra UR a year)
I have two different checking accounts linked to the AP accounts. IME, Chase takes their time (6-7 days) transferring the money back into your checking (to pay your CC). Bank of America however transfers it within 1-2 days. Sometimes even on the same day!
So if you need/want to pay your CC bill ASAP don't use Chase. Unless, of course, if you have had different experiences.

Offline Thechy

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #293 on: November 20, 2011, 12:52:32 AM »
Good Sam
Yes

Offline lbvtch

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #294 on: November 20, 2011, 06:48:17 PM »
any reported problems with the Citi Advantage card?

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #295 on: November 21, 2011, 12:10:09 AM »
any reported problems with the Citi Advantage card?

None that I know of. I've been using them smoothly with Amazon payments over the last few months.

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #296 on: December 01, 2011, 09:40:45 AM »
Never had a problem with my Chase account.

Offline Devorah

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #297 on: December 01, 2011, 09:52:22 AM »
Just received this email
Greetings from Amazon Payments.

We are writing because it has come to our attention that you have opened multiple accounts.

Amazon TextPayMe and Amazon WebPay have a combined sending and receiving limit of $1000 per month per user. Multiple accounts opened to potentially enhance this limit will be closed.

All pending transactions have been canceled and your Amazon Payments accounts closed.

We appreciate your compliance with this matter and thank you for your interest in Amazon Payments.

Sincerely,

I will keep you posted


Good luck with that.  I got the same and tried to contact them numerous times (I only had one account in my name) and there is no one to talk to.  Eventually, gave up and opened a new account.

Offline SGF

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #298 on: December 01, 2011, 01:36:46 PM »
anyone know if you can do the same with paypal (not for free) like to transfer money and it would come out like a charge on ur CC?

Offline joeb1

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #299 on: December 01, 2011, 01:39:30 PM »
of course but u will get a 2.9% charge
u may be able to refund the $ after u get the bonus miles and no fee will apply however ymmv on u losing your bonus miles