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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 934497 times)

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5300 on: September 15, 2014, 02:51:22 AM »
Call me a genius but I have the following plan come October. Do regular AP for the month ( I send 3k and receive 3k from SO via a groip of 6 - doing this for months). My idea is after payments go through, to open everyone a second account, and send all payments again as if a new month. Thoughts?
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Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5301 on: September 15, 2014, 07:49:42 AM »
Call me a genius but I have the following plan come October. Do regular AP for the month ( I send 3k and receive 3k from SO via a groip of 6 - doing this for months). My idea is after payments go through, to open everyone a second account, and send all payments again as if a new month. Thoughts?
I'm sure there will be lots of other geniuses. The question is if it's worth it?

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5302 on: September 15, 2014, 07:51:10 AM »
I'm sure there will be lots of other geniuses. The question is if it's worth it?
Worth what? My account being shut down? that's gonna happen anyway.... So what have I got to lose?
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Online zh cohen

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5303 on: September 15, 2014, 12:58:57 PM »
Worth what? My account being shut down? that's gonna happen anyway.... So what have I got to lose?

In the past there were reports of people having trouble withdrawing money when their accounts were shut down.

So in answer to your question, if you don't have a problem with having your $3K tied up for a month or 2, nothing...

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5304 on: September 15, 2014, 01:10:44 PM »
In the past there were reports of people having trouble withdrawing money when their accounts were shut down.

So in answer to your question, if you don't have a problem with having your $3K tied up for a month or 2, nothing...

As long as I get it back (I do remember reading about some money being in limbo for a bit) I don't think they can steal my money? I don't mind having to dispute with them to get my legitimate $ back for generating another 3k spend :)
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Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5305 on: September 15, 2014, 02:30:19 PM »
Worth what? My account being shut down? that's gonna happen anyway.... So what have I got to lose?
You don't think they will offer it again in the future?

Offline Achas Veachas

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5306 on: September 15, 2014, 02:32:36 PM »
You don't think they will offer it again in the future?
No.

Offline Buruch

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5307 on: September 15, 2014, 02:50:37 PM »
Why not x10?

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5308 on: September 15, 2014, 02:59:06 PM »
You don't think they will offer it again in the future?
Lol
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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5309 on: September 15, 2014, 05:14:42 PM »
Oh my! Been doing this for months, and money sent to second account always appeared instantly. Now i am just receiving a pending message. Any advice?

Feel like a noob here, does this mean they will shut down my account, what will happen to the money that i sent? Thank you.

"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."
« Last Edit: September 15, 2014, 05:25:49 PM by Ya'alili »

Online TimT

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5310 on: September 15, 2014, 05:26:29 PM »
Oh my! Been doing this for months, and money sent to second account always appeared instantly. Now i am just receiving a pending message. Any advice?

Feel like a noob here, does this mean they will shut down my account, what will happen to the money that i sent? Thank you.

"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."
Did you get the message that it could take 24 hours ?

Online Yaalili

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5311 on: September 15, 2014, 05:28:30 PM »
Did you get the message that it could take 24 hours ?

Nope didn't get anything from them yet. But the message was under the status details.

Offline Dr Moose

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5312 on: September 15, 2014, 05:33:02 PM »
Oh my! Been doing this for months, and money sent to second account always appeared instantly. Now i am just receiving a pending message. Any advice?

Feel like a noob here, does this mean they will shut down my account, what will happen to the money that i sent? Thank you.

"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."
standard message, read the WIKI
Hey there! I am using DansDeals Forums.

Offline htg123

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5313 on: September 15, 2014, 05:34:25 PM »
standard message, read the WIKI
There's a little n00b inside everyone

Offline htg123

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5314 on: September 15, 2014, 05:35:57 PM »
Food for thought... It may not be exploiting AP ....you never know what might change in the future. My friend wanted to throw out obihai when he heard that it won't support Google voice... I told him not to... And look now

Online TimT

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5315 on: September 15, 2014, 05:40:57 PM »
Food for thought... It may not be exploiting AP ....you never know what might change in the future. My friend wanted to throw out obihai when he heard that it won't support Google voice... I told him not to... And look now
I hope you're right but obihai ain't no amazon.

Offline YG

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Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5316 on: September 15, 2014, 09:36:38 PM »

Online Yaalili

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5317 on: September 15, 2014, 10:33:49 PM »
standard message, read the WIKI

I guess you were wrong here, wasn't like the wiki says... The transaction failed (on the plus side i guess that means they didnt charge my cc) - but they counted it in my monthly limits as if it was processed, so i can not resend it. - Maybe they will send me message soon that my account was suspended.

Offline D93

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5318 on: September 16, 2014, 01:52:11 AM »
I guess you were wrong here, wasn't like the wiki says... The transaction failed (on the plus side i guess that means they didnt charge my cc) - but they counted it in my monthly limits as if it was processed, so i can not resend it. - Maybe they will send me message soon that my account was suspended.
just click on send money and if there's a message there that says "this function......." . That means your account had an early burial. BD"E

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5319 on: September 16, 2014, 01:55:16 AM »
Food for thought... It may not be exploiting AP ....you never know what might change in the future. My friend wanted to throw out obihai when he heard that it won't support Google voice... I told him not to... And look now

LOL. uhh that's a piece of hardware someone paid for. This is a FREE virtual account that you can open several of for FREE. If amazon decides to resume in future (which I'm willing to bet they won't). I can open another FREE account, absolutely not worried about this. You guys  :o
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