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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122453 times)

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #520 on: February 15, 2012, 09:33:34 AM »
Do any of the free cc processors allow you to withdraw money via check rather than direct deposit into checking account?

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #521 on: February 15, 2012, 09:39:35 AM »
Do any of the free cc processors allow you to withdraw money via check rather than direct deposit into checking account?
I never looked into that. Want to give us a broad idea what you are trying to accomplish?
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #522 on: February 15, 2012, 10:03:59 AM »
I never looked into that. Want to give us a broad idea what you are trying to accomplish?

not get kicked off some gov't programs  ;D

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #523 on: February 15, 2012, 10:14:13 AM »
Once it is in your account you can transfer it to my account (just an example). I will withdraw it and write you or anyone a check. With AP this does not count towards the 1k/month CC limit.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #524 on: February 15, 2012, 01:15:11 PM »
Once it is in your account you can transfer it to my account (just an example). I will withdraw it and write you or anyone a check. With AP this does not count towards the 1k/month CC limit.

I appreciate the offer. If I end up doing this will prob be easier just to do with someone by me. I had actually thought of this but was curious if there was something more direct

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #525 on: February 15, 2012, 04:38:57 PM »
not get kicked off some gov't programs  ;D
what programs do you have? AFAIK you wont have any problems with Food Stamps, WIC and Medicaid since they don't ask for your bank statments and they allow you to keep in your account whatever amount you want as long its in accordance with your income, so, lets say you can save a few hundred bucks each month of $ you earned legally and it piles up to even $50K they have no problems with it at all.
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Earn miles/points with Amazon payments using a credit card
« Reply #526 on: February 15, 2012, 04:49:26 PM »
what programs do you have? AFAIK you wont have any problems with Food Stamps, WIC and Medicaid since they don't ask for your bank statments and they allow you to keep in your account whatever amount you want as long its in accordance with your income, so, lets say you can save a few hundred bucks each month of $ you earned legally and it piles up to even $50K they have no problems with it at all.

But they do ask for your bank statements and true savings doesn't matter but there would be a lot of activity going in and out

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #527 on: February 15, 2012, 04:50:19 PM »
Bubbles and meshugener,  may I suggest that you guys  please start a new thread discussing the topic of "too much money in your account for the government".
Thanx

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #528 on: February 15, 2012, 04:55:12 PM »
Bubbles and meshugener,  may I suggest that you guys  please start a new thread discussing the topic of "too much money in your account for the government".
Thanx
ask the mod to do it. Thanx
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #529 on: February 15, 2012, 04:56:10 PM »
But they do ask for your bank statements and true savings doesn't matter but there would be a lot of activity going in and out
Better to be on the safe side. AP looks like it will not work for you.

Withdraw Funds
1.Log in to your Amazon Payments account.
2.Click Withdraw Funds.
3.Select either a bank account or the Amazon.com Gift Card option.
4.Enter the amount to transfer to your bank account or Gift Card.
5.Click Continue.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #530 on: February 15, 2012, 05:00:28 PM »
But they do ask for your bank statements and true savings doesn't matter but there would be a lot of activity going in and out
1. I guess different regions have different regulations. 2. If you can explain all your activities as using AP or venmo to charge CC and then pay rye bal (the truth) what do you worry? The gov. won't tell Amazon or venmo (if they don't know yet...).
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Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #531 on: February 15, 2012, 05:03:11 PM »
ask the mod to do it. Thanx
??? Do you not know how to start a new thread?

(Mods are busy enough on this forum  ;) )

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Earn miles/points with Amazon payments using a credit card
« Reply #532 on: February 15, 2012, 07:24:23 PM »
Bubbles and meshugener,  may I suggest that you guys  please start a new thread discussing the topic of "too much money in your account for the government".
Thanx

I have no desire to start a thread or talk about that. I just wanted to know if there was a different way to cash out.

Offline Shmelly

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #533 on: February 16, 2012, 09:45:26 AM »
Today I wake up and see I have an email from "Matt Sullivan - Business Development, Amazon Payments". Got me really nervous. But all it was was the following. I guess they're trying to expand the AP product (I have a couple eCommerce sites.):

Hello Shmelly,
Not sure if you can help me, but thought you could possibly point me in the right direction.
Would you happen to know who within your organization would be responsible for selecting payment methods on your website?
Amazon Payments allows over 160 million Amazon account holders to quickly and easily access their stored shipping and payment information without leaving your site.
In addition, we provide 100% fraud protection while increasing average order size.
Please let me know if you can assist in coordinating a call to discuss in more detail.
In the meantime, you can learn more about Amazon Payments here:
 
Best,
Matt Sullivan
Amazon Payments
xxxxxx@amazon.com
xxx-xxx-xxxx
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #534 on: February 19, 2012, 04:41:00 PM »
Until the last couple of months, I was able to use cc's in my name on my wife's account. However, the last few months, this has been impossible. It seems that if the name on the cc doesn't match the name on the AP account, than it won't work.

Any thoughts?

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #535 on: February 19, 2012, 05:29:04 PM »
Make another AP account in your name.

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #536 on: February 19, 2012, 10:39:04 PM »
Make another AP account in your name.

Same bank account? I haven't seen enough info to see if this is enough for them to close you down/

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #537 on: February 19, 2012, 11:47:26 PM »
Until the last couple of months, I was able to use cc's in my name on my wife's account. However, the last few months, this has been impossible. It seems that if the name on the cc doesn't match the name on the AP account, than it won't work.

Any thoughts?
add her as a AU for the CC

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #538 on: February 19, 2012, 11:52:25 PM »
I opened up a new AP account today and received this email:

Hello xxxxx,

Thank you for creating an Amazon Payments account. In order to complete registration, we require you to provide us your tax identification number (TIN). For customers with Amazon Payments personal accounts, your TIN is your Social Security Number. You can provide your Social Security Number by following these steps:
....
Your ability to receive payments in your account will be restricted until you provide your Tax Identification Number.
Best regards,
Amazon Payments

Are they keeping their word not to let me receive payments on my account unless i supply my SSN. With my existing account I havent had any problems.

Is this restriction actually in place for new accounts or its all a bluff?

Offline Drago

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #539 on: February 20, 2012, 01:27:52 AM »
I opened up a new AP account today and received this email:

Hello xxxxx,

Thank you for creating an Amazon Payments account. In order to complete registration, we require you to provide us your tax identification number (TIN). For customers with Amazon Payments personal accounts, your TIN is your Social Security Number. You can provide your Social Security Number by following these steps:
....
Your ability to receive payments in your account will be restricted until you provide your Tax Identification Number.
Best regards,
Amazon Payments

Are they keeping their word not to let me receive payments on my account unless i supply my SSN. With my existing account I havent had any problems.

Is this restriction actually in place for new accounts or its all a bluff?

try it, let us know