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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1118826 times)

Offline churnbabychurn

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5460 on: October 14, 2014, 06:07:57 PM »
Please lock this thread.
people might want to stop by drop a kvittle on the ztion.. Leave it open. :'(:'(

Offline ChaimMoskowitz

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5461 on: October 14, 2014, 06:09:17 PM »
Just found this thread. What's the scoop?  :)
I just found a new supply of forks!

Offline ah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5462 on: October 14, 2014, 06:11:45 PM »
Just found this thread. What's the scoop?  :)
so you! Lol

Offline ChaimMoskowitz

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5463 on: October 14, 2014, 06:13:55 PM »
so you! Lol
I wonder what the max amount of accounts one person controlled.
I just found a new supply of forks!

Offline ah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5464 on: October 14, 2014, 06:20:57 PM »
I wonder what the max amount of accounts one person controlled.
Wouldn't put it past you to take the prize on that one....let's find out...I lose with 2

Offline ChaimMoskowitz

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5465 on: October 14, 2014, 06:25:56 PM »
Wouldn't put it past you to take the prize on that one....let's find out...I lose with 2
Not me on this one. IMHO the winner will be way north of 50.
I just found a new supply of forks!

Offline SOS

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5466 on: October 14, 2014, 06:26:35 PM »
I lose second  place with 3 and a half

Offline money spender #4

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5467 on: October 14, 2014, 06:26:55 PM »
Wouldn't put it past you to take the prize on that one....let's find out...I lose with 2

there are ppl on here with 25+. (i don't know for sure but have a feeling)myself only 6.. but those 6 were good for the last 18 months with 5x rewards gift cards from staples. and did max every month.. it was easy i had a nice store manager at a staples near me that would just bring stacks from the back for me when i walked in. i would walk in on the 26-28th every other month and do for 2 month so i would get 12k of cards every time i went to the store. 72k per year =360k miles from that.. minus the money for the activation fee. on to the next idea.
« Last Edit: October 14, 2014, 06:44:34 PM by money spender #4 »

Offline ChaimMoskowitz

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5468 on: October 14, 2014, 06:30:40 PM »
I lose second  place with 3 and a half
Actually you are currently in first.  :)
I just found a new supply of forks!

Offline D93

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5469 on: October 14, 2014, 06:37:05 PM »
I had 9 at one time

Offline srap

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5470 on: October 14, 2014, 10:56:31 PM »
Please lock this thread.
Just found this thread. What's the scoop?  :)
I wonder what the max amount of accounts one person controlled.
there are ppl on here with 25+. (i don't know for sure but have a feeling)myself only 6.. but those 6 were good for the last 18 months with 5x rewards gift cards from staples. and did max every month.. it was easy i had a nice store manager at a staples near me that would just bring stacks from the back for me when i walked in. i would walk in on the 26-28th every other month and do for 2 month so i would get 12k of cards every time i went to the store. 72k per year =360k miles from that.. minus the money for the activation fee. on to the next idea.
That's why we don't lock.  What is shared on the forums is only the tip of the iceberg.  There is so much more info hidden inside that comes out afterwards.

Offline MC

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5471 on: October 14, 2014, 10:59:26 PM »
Actually, I take first place. One.

Offline ChaimMoskowitz

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5472 on: October 15, 2014, 12:54:13 AM »
Actually, I take first place. One.
New math?
I just found a new supply of forks!

Offline eli.f

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5473 on: October 15, 2014, 01:46:51 AM »
Actually, I take first place. One.
What's one good for?

Online TimT

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5474 on: October 15, 2014, 01:52:24 AM »

Offline eli.f

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5475 on: October 15, 2014, 01:59:07 AM »

Online TimT

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5476 on: October 15, 2014, 01:59:55 AM »
Who do you send it to?
Anyone you trust.

Offline yakov116

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5477 on: October 15, 2014, 04:01:14 AM »
Huh? Why?
Because every time I see this thread...

Money talks...mine says goodbye!

Offline Shmulie

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5478 on: October 20, 2014, 09:24:16 AM »
BTW I just got my discover statement and I did get 5X on my amazon payments.

Offline eli.f

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5479 on: October 20, 2014, 09:54:15 AM »
BTW I just got my discover statement and I did get 5X on my amazon payments.
Did you read somewhere otherwise?