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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122625 times)

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #540 on: February 20, 2012, 01:37:07 AM »
did anyone have any problems using a non amex card (sp, ink?)

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #541 on: February 20, 2012, 02:00:38 AM »
did anyone have any problems using a non amex card (sp, ink?)

Are you looking for someone with recent experience,  or are you asking in general?

I used my IB and had no problems bh.  Last time I used AP was 3 weeks ago.

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #542 on: February 20, 2012, 07:10:42 AM »
The SS# requirement is no bluff
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Online moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #543 on: February 20, 2012, 08:36:41 AM »
recently i'v been putting in fake ss and been using he accts as disposables just like in the past (mailinator address and all that) so i'd say it definitely is a bluff

Offline TC610

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #544 on: February 20, 2012, 08:59:24 AM »
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?

IME if you don't supply some information, your AP account functionality becomes extremely limited (you won't be able to send/receive payments with that account).

Offline Side incomer

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #545 on: February 20, 2012, 09:04:05 AM »
IME if you don't supply some information, your AP account functionality becomes extremely limited (you won't be able to send/receive payments with that account).
But he supplies all info. they are just false info.
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Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #546 on: February 20, 2012, 09:56:45 AM »
IME if you don't supply some information, your AP account functionality becomes extremely limited (you won't be able to send/receive payments with that account).
In My Estimation or In My Experience? :)

recently i'v been putting in fake ss and been using he accts as disposables just like in the past (mailinator address and all that) so i'd say it definitely is a bluff
How long are you able to use each account for before they shut it down?

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #547 on: February 20, 2012, 10:23:21 AM »
recently i'v been putting in fake ss and been using he accts as disposables just like in the past (mailinator address and all that) so i'd say it definitely is a bluff
you haven't been using fake bank accounts to withdraw the money to? :D

did anyone have any problems using a non amex card (sp, ink?)
I haven't had any issues

try it, let us know
Will do

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #548 on: February 20, 2012, 12:28:12 PM »
Are you looking for someone with recent experience,  or are you asking in general?

I used my IB and had no problems bh.  Last time I used AP was 3 weeks ago.
in general for someone that uses it on a regular basis

Online AsherO

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #549 on: February 20, 2012, 12:31:26 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?

I bet if you told them the name on the CC is same as the name on the AP account it would work, I don't think they check it.
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Offline elikay

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #550 on: February 20, 2012, 12:59:27 PM »
I bet if you told them the name on the CC is same as the name on the AP account it would work, I don't think they check it.
+1 I've tried it

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #551 on: February 20, 2012, 01:44:32 PM »
 :(
The SS# requirement is no bluff
I beg to differ both my wife and I have not given our ss number and have done payments in January and feb.

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #552 on: February 20, 2012, 01:45:51 PM »
:(I beg to differ both my wife and I have not given our ss number and have done payments in January and feb.

+1

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #553 on: February 20, 2012, 01:55:40 PM »
:(I beg to differ both my wife and I have not given our ss number and have done payments in January and feb.
+1
Is this a newish account or opened before the SSN requirement?

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #554 on: February 20, 2012, 01:56:41 PM »
Is this a newish account or opened before the SSN requirement?

mine were opened before you needed to give your social but they still ask for it every time i login

Online aryeh1

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #555 on: February 20, 2012, 01:58:01 PM »
Why is everyone wary of giving their social ?

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #556 on: February 20, 2012, 01:58:19 PM »
Got it. I wasnt able to do payments on a mobile browser without ss# but on PC I was able. Im not sure, but maybe heres the diff
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Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #557 on: February 20, 2012, 02:00:53 PM »
mine were opened before you needed to give your social but they still ask for it every time i login
same here, I have "legacy" accounts that I can use fully w/o giving my SSN, however I'm wondering if you open a new account now would that still apply.
Got it. I wasnt able to do payments on a mobile browser without ss# but on PC I was able.
New account?
Why is everyone wary of giving their social ?
easier for them to track how many accounts you have (it's also easier for them to ban you for good)

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #558 on: February 20, 2012, 02:12:07 PM »
Whadaya consider new? Opened in 2012
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Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #559 on: February 20, 2012, 02:17:42 PM »
Whadaya consider new? Opened in 2012
sounds promising.
will try myself and report back