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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122807 times)

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #120 on: September 06, 2011, 09:57:30 PM »
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? 

Some people do it and report no problems form Amazon, but if could easily be a red flag with you both sending $$ back and forth. I think if you add a third person and make a loop, you'll be safer.

Also,

Make sure that none of you guys use access your accounts from the same IP as someone else in the same loop.

Offline compddd

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #121 on: September 06, 2011, 10:00:45 PM »
Me and my girlfriend have used Amazon Payments with Chase and it went fine.

Offline Yeki89

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #122 on: September 06, 2011, 10:21:29 PM »
Yes that would be awesome... the mint is really annoying (waiting for the coins, having to be home when they get delivered, dealing with depositing them etc)
What do you mean by "main" amazon account
simple, open an account... do it... wen u get busted they close you, no big u never  use the account anyway

Offline DovidR

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #123 on: September 06, 2011, 10:51:50 PM »
Me and my girlfriend have used Amazon Payments with Chase and it went fine.
Monthly?

Offline compddd

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #124 on: September 06, 2011, 11:14:55 PM »
for 3-4 months yeah

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #125 on: September 06, 2011, 11:28:32 PM »
simple, open an account... do it... wen u get busted they close you, no big u never  use the account anyway
+1
had 6 amazon accts., 2 real (used for purchasing, 1 me, 1 my wife) 4 for spending thresholds. on those 4 i was asked to verify last 4 of my ss, put in various ppls ss, said they couldn't verify after 2 months of this they froze accts (not bad for $12000 in spending) was able to withdraw the money no prob. and moved onto 4 more amazon accts.
P.S. I dont use my real ones yet

Offline gozalim

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #126 on: September 06, 2011, 11:49:02 PM »
+1
had 6 amazon accts., 2 real (used for purchasing, 1 me, 1 my wife) 4 for spending thresholds. on those 4 i was asked to verify last 4 of my ss, put in various ppls ss, said they couldn't verify after 2 months of this they froze accts (not bad for $12000 in spending) was able to withdraw the money no prob. and moved onto 4 more amazon accts.
P.S. I dont use my real ones yet
real and 'fake' both same address?

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #127 on: September 07, 2011, 07:59:51 AM »
3 real addresses (parents, current, previous)

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #128 on: September 08, 2011, 11:23:56 PM »
3 real addresses (parents, current, previous)

Same IP address' with all accounts?

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #129 on: September 09, 2011, 12:11:20 AM »
yea. who made up up that they check ip addresses. for all they know it could be a public computer

Offline skyguy918

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #130 on: September 09, 2011, 11:22:31 AM »
Is there any benefit to having the person you send the money to you return it through a different service (eg they'd withdraw the money to their Chase account and send it back via Quickpay)?

Offline Lamdan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #131 on: September 09, 2011, 01:41:58 PM »
yea. who made up up that they check ip addresses. for all they know it could be a public computer
+1
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #132 on: September 09, 2011, 02:03:10 PM »
+1

They can recognize public computers from the simple fact that usually there will be dozens of accounts logging in from one ip, plus there are other ways of knowing.

Offline smurf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #133 on: September 09, 2011, 02:32:53 PM »
They can recognize public computers from the simple fact that usually there will be dozens of accounts logging in from one ip, plus there are other ways of knowing.
Plus using public computers might also cause a flag(not that i know of; just saying)

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #134 on: September 09, 2011, 02:38:20 PM »
They can recognize public computers from the simple fact that usually there will be dozens of accounts logging in from one ip, plus there are other ways of knowing.
Yes it's of course it's possible for anyone to do just hire a pi or techy. Just who said amazon watches for these things

Offline Jimbob

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #135 on: September 09, 2011, 02:47:23 PM »
In the event that ones get banned,
would they ban you from ONLY amazon
payments or from buying on amazon.com as well?

Offline 3ZeroT

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #136 on: September 09, 2011, 03:56:02 PM »
It would make sense for them to monitor IPs, and that is why this kind of information just spreads around as fact, but I've yet to see evidence that they do.

For one thing, I personally have only seen payment reviews occur (and a potential for account closure) when you attempt to send payment.  At that point they don't even know what IP will end up logging in to receive it, and it appears they really don't care once it goes through.  Of course they could still check if multiple accounts are sending from the same IP, but I've not had a problem doing that either.

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #137 on: September 09, 2011, 04:37:38 PM »
a lot of things make sense and are not done some are time consuming and others just arent done for no reason so if there's no evidence to the fact why assume so
PS. it also doesn't make sense that banks match sign up bonuses bec. im willing to bet that the only ones who ask for bonuses are those abusing the system (yours truly and the like)

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #138 on: September 10, 2011, 04:20:06 PM »
Would using a proxy server help here to block your ip address?

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #139 on: September 11, 2011, 12:27:02 AM »
I send a payment form jack cohen to dave cohen, using dave's credit card. And it worked!