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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 797084 times)

Offline Standing Liberty

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #60 on: August 14, 2011, 02:46:12 PM »
I have been sending money in a circle back and forth between two accounts, both of which are in my name, and so far have not had any problems.  Is it just a matter of time before amazon will shut down the accounts, or does this mean that I can continue getting away with it?

Offline smurf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #61 on: August 14, 2011, 03:05:58 PM »
I have been sending money in a circle back and forth between two accounts, both of which are in my name, and so far have not had any problems.  Is it just a matter of time before amazon will shut down the accounts, or does this mean that I can continue getting away with it?
It's definitely best to be more careful.

Offline golan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #62 on: August 14, 2011, 05:02:14 PM »
How do i enable the transfer limit to 1k instead of 500?

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #63 on: August 14, 2011, 05:16:54 PM »
How do i enable the transfer limit to 1k instead of 500?

I think you have to verify your account, or the other guys account to raise the limit.

Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #64 on: August 14, 2011, 08:24:47 PM »
What does this mean and what's the way around it?

"We're sorry. You have exceeded your monthly send limit for transactions funded by credit cards."

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #65 on: August 15, 2011, 12:35:00 AM »
What does this mean and what's the way around it?

"We're sorry. You have exceeded your monthly send limit for transactions funded by credit cards."

Do you really not understand what that means...?

And, short of opening a second account, I'm not sure there is a "way around it."
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Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #66 on: August 15, 2011, 10:13:24 AM »
Do you really not understand what that means...?

And, short of opening a second account, I'm not sure there is a "way around it."

Iv'e never heard of a sending limit (as oppose to a receiving limit), I am trying to figure out what did I exceed; I.E. too many transactions, to much total money sent, sent to too many people Etc. Based on knowing exactly what it means I would be able to hopefully meet my threshold.


Offline Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #67 on: August 15, 2011, 11:36:01 AM »
Iv'e never heard of a sending limit
And now you have.  Same as the receiving limit AFAIK.
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 twentie4hrs

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #68 on: August 15, 2011, 11:38:46 AM »
I hope noone calls them and asks if its a mistake this time  :P
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Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #69 on: August 15, 2011, 11:54:26 AM »
I hope noone calls them and asks if its a mistake this time  :P

Amazon does not change rules based on one representative. 

Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #70 on: August 15, 2011, 11:55:13 AM »
And now you have.

Thank you for telling me what I now know.

      Same as the receiving limit AFAIK.

Which is?
« Last Edit: August 15, 2011, 12:05:50 PM by Nitantnel »

Offline gozalim

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #71 on: August 15, 2011, 12:50:51 PM »
You cannot send more than $1000/month from a credit card from an amazon payments account. (per account?)

Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #72 on: August 15, 2011, 12:53:19 PM »
You cannot send more than $1000/month from a credit card from an amazon payments account. (per account?)

Is that for one individual credit card, or credit cards in general?

Offline gozalim

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #73 on: August 15, 2011, 12:56:53 PM »
Is that for one individual credit card, or credit cards in general?
I believe general. Per amazon account regardless of which card

Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #74 on: August 15, 2011, 01:06:37 PM »
I believe general. Per amazon account regardless of which card

It's definitely not per account, I did way over 1000

Offline gozalim

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #75 on: August 15, 2011, 01:33:26 PM »
It's definitely not per account, I did way over 1000
in 1 month? from a credit card?

Offline irleetnoob

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #76 on: August 15, 2011, 01:34:35 PM »
It's definitely not per account, I did way over 1000

lol? That's why you got the notice: "We're sorry. You have exceeded your monthly send limit for transactions funded by credit cards." Is that really so difficult to understand?

Offline twentie4hrs

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #77 on: August 15, 2011, 02:32:36 PM »
Amazon does not change rules based on one representative.
It was a joke..hence the  ":P"
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Offline Nitantnel

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #78 on: August 16, 2011, 11:45:02 AM »
lol? That's why you got the notice: "We're sorry. You have exceeded your monthly send limit for transactions funded by credit cards." Is that really so difficult to understand?

No, I got the notice after sending 1501.00

Offline Lamdan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #79 on: August 16, 2011, 11:56:53 AM »
Can people send money using visa gift cards?
Yes
Please explain how you do it, i tried and it was declined. thank you.
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