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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 934888 times)

Offline jaywhy

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5320 on: September 16, 2014, 08:09:56 AM »
Anyone else think there is a connection between the appearance of ALR and subsequent demise of AP?

Offline MosheD

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5321 on: September 16, 2014, 08:30:10 AM »
Kk sro now that this is ending I'd like to use to liquidate vanilla vgc by Sending to myself. (1 used old account, 1 barely used old account) dto I risk losing the money if I do this?

Offline Yaalili

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5322 on: September 16, 2014, 12:32:03 PM »
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

Can't even get past login to click that button, so i guess that account is closed, unless there is a bug now on Amazon..

"Service Unavailable
The Service is Unavailable."

Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5323 on: September 16, 2014, 01:38:08 PM »
Just received this email:

Greetings from Amazon Payments.

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

 Thank you for your interest in Amazon Payments.

 Sincerely,

 Account Specialist
 Amazon Payments
https://payments.amazon.com


Time to be nervous? They didn't send this to any of my other accounts (which are not in my name).
I did send them an email the other day why they are stopping the person to person transactions on Oct 13. Could it be they misunderstood me and this is the reply?

Offline Emkay

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5324 on: September 16, 2014, 01:40:25 PM »


Could it be they misunderstood me
Most likely, the Indians that work for them are not known to be Harvard grads

Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5325 on: September 16, 2014, 01:43:34 PM »
Most likely, the Indians that work for them are not known to be Harvard grads
Could be they are.
Just not English majors.

Offline rng

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5326 on: September 17, 2014, 10:59:49 AM »
can i put not real ss number and account will still be able to be activated?
I am trying to open up with a diff social because previous accts were shut down.
tia

Offline ranhan429

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5327 on: September 17, 2014, 04:42:11 PM »
can i put not real ss number and account will still be able to be activated?
I am trying to open up with a diff social because previous accts were shut down.
tia
No
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Offline rng

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5328 on: September 17, 2014, 05:09:35 PM »
if filling out wrong billing address not to raise any red flags will the charge go thru?

Offline D93

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5329 on: September 17, 2014, 05:11:45 PM »
if filling out wrong billing address not to raise any red flags will the charge go thru?
it should. it always worked for me - for Visa and Mastercard! even on Amazon.com the billing address doesnt need to match. i cant vouch for amex though

Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5330 on: September 20, 2014, 03:47:42 PM »
Does it take longer for a payment to go through if it's the first time (new account)?

Offline eli.f

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5331 on: September 20, 2014, 03:49:22 PM »
Does it take longer for a payment to go through if it's the first time (new account)?
IME yes. With all my accounts. Don't remember how long though.

Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5332 on: September 21, 2014, 03:17:07 PM »
Does switching the sim card on a net stick change the IP address?

Offline Centro

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5333 on: September 21, 2014, 03:21:45 PM »
Does switching the sim card on a net stick change the IP address?
Yups.

Offline avadah

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5334 on: September 21, 2014, 03:24:38 PM »
Great! Thanks.
(Sent from my new IP address)  :)

Offline eli.f

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5335 on: September 21, 2014, 03:25:54 PM »
Does switching the sim card on a net stick change the IP address?
Yes.
Even more so, reconnecting (unplug and replug) with the same SIM, should also change your IP address.
It's easy to check. Just Google IP Address and you should see it and be able to verify the change.
Example link

Offline tageed-lee

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5336 on: September 30, 2014, 02:45:31 PM »
Just sent the balance of my account (1k) by accident, instead of using my CC to fund the send.
Can i still send (1K) from my CC to the same person/anyone or is it too late?
« Last Edit: September 30, 2014, 02:59:17 PM by tageed-lee »

Offline ckmk47

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5337 on: September 30, 2014, 03:01:01 PM »
Just sent the balance of my account (1k) by accident, instead of using my CC to fund the send.
Can i still send (1K) from my CC to the same person/anyone or is it too late?
Try and find out.  But I think it's 1K limit w a cc. not in total.
My favorite cause: cssy.org

Offline tageed-lee

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5338 on: September 30, 2014, 03:06:58 PM »
Try and find out.  But I think it's 1K limit w a cc. not in total.

Just did it. Transaction complete. Thanks for your reply.  :)

Online TimT

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Re: Amazon Payments Master Thread (RIP 10/13/14)
« Reply #5339 on: October 01, 2014, 08:06:58 AM »
For the final time(s) & then k-l molei rachamim  :'( :'(