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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122955 times)

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #480 on: January 26, 2012, 01:17:40 AM »
You sure you got more than $1k in the same calendar month?
Yes positive! I do 1k every single month for past four months. Last month I got an extra 500 bringing it to 1500 sent to me and was all cc.

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #481 on: January 26, 2012, 01:29:44 PM »
my spending limit per month on ap is $500. does anybody know how i can get it up to 1k

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #482 on: January 26, 2012, 01:33:06 PM »
my spending limit per month on ap is $500. does anybody know how i can get it up to 1k

add a bank account

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #483 on: January 26, 2012, 01:36:50 PM »
add a bank account
i have 1, i should add another?

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #484 on: January 26, 2012, 01:40:16 PM »
i have 1, i should add another?

nope. If you have a bank account and a cc on the account then Im not sure why you still only have a $500 limit

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #485 on: January 26, 2012, 01:53:01 PM »
nope. If you have a bank account and a cc on the account then Im not sure why you still only have a $500 limit
i just realized that there was no bank account connected. added it now im at 1k thanks!

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #486 on: January 31, 2012, 12:54:55 PM »
if i want to use 2 diff accounts but the same routing #'s would that work?

Offline Mocha

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #487 on: January 31, 2012, 12:55:45 PM »
if i want to use 2 diff accounts but the same routing #'s would that work?
You mean bank account number? Thousands of people can have the same routing number

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #488 on: January 31, 2012, 12:57:03 PM »
You mean bank account number? Thousands of people can have the same routing number
oh  :-[

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #489 on: February 01, 2012, 12:29:32 AM »
for example bank of america has one routing number for each state. Routing numbers are simply bank id numbers

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #490 on: February 01, 2012, 01:57:37 AM »
It is 20k and 200 transactions. If you do small amounts with PP you can last a long time. Try sending 9.9k at a time and you will get shut down real quick. They did have a 10k per send limit but I am not sure what it is now.

How is it possible to do more than 20k a year,  isn't the limit  1k per month?

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #491 on: February 01, 2012, 02:01:49 AM »
How is it possible to do more than 20k a year,  isn't the limit  1k per month?
That limit is for using CC's.
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Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #492 on: February 01, 2012, 02:05:20 AM »
That limit is for using CC's.

My bad. Thanx

Offline elikay

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #493 on: February 01, 2012, 01:23:00 PM »
CMIIW But I think it's an AP limit

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #494 on: February 01, 2012, 01:30:06 PM »
CMIIW But I think it's an AP limit

AP has a CC limit of $1,000 a month.

You can do more than $1,000 using a bank account instead.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #495 on: February 01, 2012, 03:24:38 PM »
so how many ap accounts can 1 person have?

Offline Shmelly

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #496 on: February 01, 2012, 03:27:07 PM »
My AP withdrawals have always shown up in my bank as "Amazon Payments DES:Deposit". I withdrew money a few days ago and for the 1st time it appeared as "ACH CREDIT Amazon Payments Deposit". Something to keep in mind for those needing to do direct deposit.
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Offline trying123

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #497 on: February 01, 2012, 05:56:09 PM »
I have been offsetting my monthly charge on my citi bank checking account for the last few months by sending in my AP charges over 500 $ one 500 $ deposit offsets the 8$ charge

Offline mordy44

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #498 on: February 05, 2012, 12:30:25 AM »
Has anyone tried to accumulate Chase Freedom points using AP? Chase offers 5% for all purchases on Amazon during this quarter, and thought this may be a great way to accumulate the extra points.

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #499 on: February 05, 2012, 12:34:59 AM »
Has anyone tried to accumulate Chase Freedom points using AP? Chase offers 5% for all purchases on Amazon during this quarter, and thought this may be a great way to accumulate the extra points.

As has been stated a bunch of times, ain't gonna work :)
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