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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 919692 times)

Offline MeirS

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Re: Amazon Payments Master Thread (Poll)
« Reply #5140 on: August 25, 2014, 08:35:53 AM »
A big -1

I had a 2 accounts for approximately 2 years never send to each other (not A-B not B-A....)

ant yet they shut both of my accounts...
No connection to what askmoses was saying.

Offline A European

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Re: Amazon Payments Master Thread (Poll)
« Reply #5141 on: August 25, 2014, 09:42:11 AM »
No connection to what askmoses was saying.
Sorry
Was on Tapatalk so didnt see the bold part

Offline JamesIV

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Re: Amazon Payments Master Thread (Poll)
« Reply #5142 on: August 25, 2014, 02:06:36 PM »
Once you establish you do not have multiple accounts by successfully appealing their closing of an account, your good to go. Simply don't use same IP addresses or send back and forth between same to accounts.
I've now had 3 accounts that I've been using for 2 years closed down, and lots of trouble trying to open new accounts.

Any suggestions of how to successfully appeal the closing of an account?

Offline freddy

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Re: Amazon Payments Master Thread (Poll)
« Reply #5143 on: August 25, 2014, 02:44:43 PM »
2 Questions. Is there a fee for recieving money on AP? Can you stop a payment?
"Judge me by the enemies I make"

Offline Boruch999

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Re: Amazon Payments Master Thread (Poll)
« Reply #5144 on: August 25, 2014, 02:48:53 PM »
2 Questions. Is there a fee for recieving money on AP? Can you stop a payment?
No fee.  The receiver can reject payment.  I've heard you can call amazon and say you accidentally sent to the wrong person.

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5145 on: August 25, 2014, 02:55:37 PM »
No fee.  The receiver can reject payment.  I've heard you can call amazon and say you accidentally sent to the wrong person.
and as long as the receiver didnt accept the money yet, the sender can cancel it also. in the transaction history, press details, and their will be an option to cancel it

Offline rng

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Re: Amazon Payments Master Thread (Poll)
« Reply #5146 on: August 25, 2014, 03:26:29 PM »
my account was suspended,
1) will it work if my bro in law sends with my cc and in card holder name put his name?
2) already had 2 accounts shut down, can I use my bank account and routing number on a working account? is that a flag?

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5147 on: August 25, 2014, 04:41:07 PM »
my account was suspended,
1) will it work if my bro in law sends with my cc and in card holder name put his name?
2) already had 2 accounts shut down, can I use my bank account and routing number on a working account? is that a flag?
both red flags and will probably get those accounts shut down too

Online etech0

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Re: Amazon Payments Master Thread (Poll)
« Reply #5148 on: August 25, 2014, 09:41:30 PM »
Not a problem IME to do that. However, when you only have 2 accounts and do a to b and next month b to a, that I can't suggest as I don't have experience with that.

Again IMO once you establish they are legit accounts and successfully appeal their seemingly inevitable initial closure, they don't seem to be as uptight.
How soon do you think that happens? And how do you get your account reopened?
Workflowy. You won't know what you're missing until you try it.

Offline yos9694

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Re: Amazon Payments Master Thread (Poll)
« Reply #5149 on: August 26, 2014, 10:01:11 AM »
Does this spell the end?

Quote
Important Message:

This functionality is disabled on your account as your account is in a suspended state. Click here to find out more about these limitations.

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5150 on: August 26, 2014, 10:05:20 AM »
Does this spell the end?
YUP  :'( hope you enjoyed it while it lasted!

Offline yos9694

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Re: Amazon Payments Master Thread (Poll)
« Reply #5151 on: August 26, 2014, 10:22:46 AM »
YUP  :'( hope you enjoyed it while it lasted!

Well, that I truly did.

Offline bobby

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Re: Amazon Payments Master Thread (Poll)
« Reply #5152 on: August 27, 2014, 10:55:05 AM »
I've seen this asked on the forums a couple of times and I haven't seen any positive response but figured I'd ask again in case someone here has some insight. Like an idiot I accidentally bought a 1,000 dollar gift card instead of transferring to my bank. All the reps I've spoken to say there's absolutely no way to reverse. Is there any idea I'm not thinking of aside from selling at a loss or spending it over time?

Offline askmoses

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Re: Amazon Payments Master Thread (Poll)
« Reply #5153 on: August 28, 2014, 11:21:02 AM »
Sorry
Was on Tapatalk so didnt see the bold part
Just to make it clear for everyone.
I never managed to successfully maintain two accounts in one person's name. I never claimed to either. What I did say is once you have successfully appealed the closure of any given account, they don't seem as uptight about things on it. Just M2C

Online etech0

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Re: Amazon Payments Master Thread (Poll)
« Reply #5154 on: August 28, 2014, 11:29:23 AM »
Just to make it clear for everyone.
I never managed to successfully maintain two accounts in one person's name. I never claimed to either. What I did say is once you have successfully appealed the closure of any given account, they don't seem as uptight about things on it. Just M2C
how do you appeal to the closure of an account?
Workflowy. You won't know what you're missing until you try it.

Offline miles lover

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Re: Amazon Payments Master Thread (Poll)
« Reply #5155 on: August 28, 2014, 08:16:23 PM »
I got this when i sent $1000

Important Message:
The recipient alias is invalid. Please enter a valid email address or an existing alias

I keep on getting this message with 2 out of my 4 accounts which I have. What does that mean ? I did sign into those accounts and it doesnt look like their shut down.
« Last Edit: August 28, 2014, 08:29:22 PM by miles lover »

Offline kangarruu

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Re: Amazon Payments Master Thread (Poll)
« Reply #5156 on: August 28, 2014, 09:06:33 PM »
I got this when i sent $1000

Important Message:
The recipient alias is invalid. Please enter a valid email address or an existing alias

I keep on getting this message with 2 out of my 4 accounts which I have. What does that mean ? I did sign into those accounts and it doesnt look like their shut down.

I've had this when sending to certain other (new) accounts. I haven't been able to figure out a reason - I just sent to other accounts.

Offline miles lover

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Re: Amazon Payments Master Thread (Poll)
« Reply #5157 on: August 28, 2014, 09:08:38 PM »
I've had this when sending to certain other (new) accounts. I haven't been able to figure out a reason - I just sent to other accounts.
These aren't new accounts. They are opened for quite a while. One of them is opened for 4 years already. This just doesnt make sense.

Offline yoshi

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Re: Amazon Payments Master Thread (Poll)
« Reply #5158 on: August 28, 2014, 10:11:22 PM »
Greetings from Amazon Payments.

We appreciate your use of Amazon Payments.  Unfortunately, we have been unable to confirm your account information.  This may be because you failed to respond to our past requests for more information or we could not confirm identity information provided by you.

In either case, we are now required to restrict your Amazon Payments account features.

We apologize for any resulting inconvenience and appreciate your understanding of our need to take this action.

Please sign in to your account and contact us should you have any questions about our need to take this action.

- The Amazon Payments Team


I just tried opening an account. I received this after they wanted me to try and confirm my account. The only thing that wasn't true was the drivers license. Could it be that the person who I used has no credit history at all, So they weren't able to verify it?

They sent me another email asking me to fax photo Id to verify. Is this normal?
« Last Edit: August 28, 2014, 10:15:09 PM by yoshi »

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5159 on: August 28, 2014, 10:31:11 PM »
Greetings from Amazon Payments.

We appreciate your use of Amazon Payments.  Unfortunately, we have been unable to confirm your account information.  This may be because you failed to respond to our past requests for more information or we could not confirm identity information provided by you.

In either case, we are now required to restrict your Amazon Payments account features.

We apologize for any resulting inconvenience and appreciate your understanding of our need to take this action.

Please sign in to your account and contact us should you have any questions about our need to take this action.

- The Amazon Payments Team


I just tried opening an account. I received this after they wanted me to try and confirm my account. The only thing that wasn't true was the drivers license. Could it be that the person who I used has no credit history at all, So they weren't able to verify it?

They sent me another email asking me to fax photo Id to verify. Is this normal?
yes. when i first opened my AP they asked me to fax in my license (even though i did have credit history).