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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 708663 times)

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #105 on: August 29, 2011, 10:17:38 AM »
I though Amazon is known to track things like this. Sounds like an accident waiting to happen.

Offline elikay

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Re: Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #106 on: August 29, 2011, 10:42:57 AM »
Same home address?
Yes
The fact that it works is luck, the fact that you tried it is... not smart - to say the least.

Offline 3ZeroT

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Re: Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #107 on: August 30, 2011, 11:15:36 AM »
The fact that it works is luck, the fact that you tried it is... not smart - to say the least.

Accepting what you are told on the internet isn't always smart either.  I've been doing this for a long time and have many accounts, and I've learned a bit about what they check and what they don't check.  So now I have a simple process and don't waste alot of unnecessary time dancing around things they don't apparently check.

Offline gozalim

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #108 on: August 30, 2011, 03:50:43 PM »
Accepting what you are told on the internet isn't always smart either.  I've been doing this for a long time and have many accounts, and I've learned a bit about what they check and what they don't check.  So now I have a simple process and don't waste alot of unnecessary time dancing around things they don't apparently check.
care to share your list?

Offline jack12

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #109 on: August 31, 2011, 08:40:01 AM »
If I spend $1000 today, I'll be able to spend $1000 tomorrow too because its a new month?

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #110 on: August 31, 2011, 08:54:14 AM »
If I spend $1000 today, I'll be able to spend $1000 tomorrow too because its a new month?

Look at post #83 in this thread.

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #111 on: August 31, 2011, 11:50:21 AM »
Out of curiosity - how long did it take you to find the post and type that?  Why not just "yes"?
If you don't care why would you comment?
HT: DMYD

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #112 on: August 31, 2011, 01:12:37 PM »
Out of curiosity - how long did it take you to find the post and type that?  Why not just "yes"?

Its been said over over on the forums " please do a search before asking a question" . In this case a simple search would've turned up the answer right away.
If u can't understand why you should do a search before posting a question,  you should consult wirmth Ashero, I'm sure he'll be kind enough to explain it to you.

Offline Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #113 on: August 31, 2011, 01:58:20 PM »
Its been said over over on the forums " please do a search before asking a question" . In this case a simple search would've turned up the answer right away.
If u can't understand why you should do a search before posting a question,  you should consult wirmth Ashero, I'm sure he'll be kind enough to explain it to you.
AsherO is boycotting because the n00bs don't search :P
But yes, a search for month within this thread would have answered the question.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #114 on: August 31, 2011, 11:47:13 PM »
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #115 on: September 04, 2011, 08:49:22 AM »
Hi! Following this thread with great interest. Just got two new AMEX cards (SPG, one personal, one Biz) and trying to meet spending requirements. I am wondering if I use two cards from two seperate accounts with Amazon, keeping everything kosher (i.e. sending the payments to other people, not myself) should I worry that either amazon or amex will cross reference my different accounts and flag me? I'm more worried about Amex than Amazon, because amazon will have to do some detective work to see that my two accounts are really the same person, whereas Amex has them linked to my name automatically. Any thoughts?

Offline Spiffster

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #116 on: September 04, 2011, 09:01:23 PM »
Hi! Following this thread with great interest. Just got two new AMEX cards (SPG, one personal, one Biz) and trying to meet spending requirements. I am wondering if I use two cards from two seperate accounts with Amazon, keeping everything kosher (i.e. sending the payments to other people, not myself) should I worry that either amazon or amex will cross reference my different accounts and flag me? I'm more worried about Amex than Amazon, because amazon will have to do some detective work to see that my two accounts are really the same person, whereas Amex has them linked to my name automatically. Any thoughts?

amex won't cross-reference you and rat you out, but spending only AP will flag you for the hairy eyeball of the inquisition.  Amex linked them together via your SSN.

Amazon will eventually ask you for the last 4 of your SSN and your driver's license #.  I made a typo when typing them in and can't figure out how to change it and they haven't noticed yet (years now)...  :-O




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Re: Earn miles/points with Amazon payments using a credit card
« Reply #117 on: September 06, 2011, 09:30:32 PM »
Seems like Amex can give people a hard time for using amazon payments. I tried it only once, too nervous to try again.
What about citi or chase?

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #118 on: September 06, 2011, 09:35:41 PM »
Seems like Amex can give people a hard time for using amazon payments. I tried it only once, too nervous to try again.
What about citi or chase?

Citi is supposed to be fine.

Offline DovidR

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #119 on: September 06, 2011, 09:51:05 PM »
Citi is supposed to be fine.

Great.  Thanks!
Just sent a payment to my son using Citi AA.
Now, if someone can confirm that Chase is safe, I'll set up my son as an authorized user on my CO card, have him use it for amazon payments on his end, and shuttle the $$ back and forth.

Or... is there a flaw somewhere that I'm missing?