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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122957 times)

Offline moko

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #600 on: February 29, 2012, 08:35:36 PM »
They need to be 18.
do they now? is that officially or practically? ;)

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #601 on: March 01, 2012, 12:34:25 AM »
do they now? is that officially or practically? ;)
I am just stating what is in the T&C's.
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Offline Beazer

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Amazon Payments
« Reply #602 on: March 14, 2012, 07:56:58 PM »
Does anyone know if you can send money to someone else through Amazon Payments using an Amazon Gift Card to fund the transaction? It seems to be mashma that you can from the My Activity drop down menu on the home screen on Amazon Payments. Obviously this would be good for the Chase 5%...

Offline bubbles

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Amazon Payments
« Reply #603 on: March 14, 2012, 08:02:09 PM »
You can't

Offline smurf

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Re: Amazon Payments
« Reply #604 on: March 14, 2012, 09:19:41 PM »
you're probably confusing this with the option to buy amazon gift cards with you ap balance

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #605 on: March 15, 2012, 09:29:25 AM »
got an email from amazon today "In April 2012, Amazon will no longer offer the TextPayMe person-to-person (P2P) text payment service."

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #606 on: March 15, 2012, 09:41:58 AM »
So far it seems to be a individual situation, I didn't receive such an email. Anyone else got that?
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Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #607 on: March 15, 2012, 09:43:56 AM »
So far it seems to be a individual situation, I didn't receive such an email. Anyone else got that?

I did. you thought they were only shutting down his textpay service???

Offline Yitz

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #608 on: March 15, 2012, 09:55:38 AM »
It is 20k and 200 not or. Other than that you are spot on.
Anybody have a answer to the above question

Offline TC610

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #609 on: March 15, 2012, 10:09:16 AM »
It is 20k and 200 not or. Other than that you are spot on.
Anybody have a answer to the above question

"The above" is a statement, not a question.

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #610 on: March 15, 2012, 10:11:39 AM »
got an email from amazon today "In April 2012, Amazon will no longer offer the TextPayMe person-to-person (P2P) text payment service."
+1

Offline Yitz

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #611 on: March 15, 2012, 11:28:37 AM »
"The above" is a statement, not a question.
is it $20,000 or 200 sound like a question.

Offline TC610

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #612 on: March 15, 2012, 11:36:55 AM »
is it $20,000 or 200 sound like a question.
That does, but he said "It is", not "Is it".

Offline Yitz

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #613 on: March 15, 2012, 01:14:51 PM »
That does, but he said "It is", not "Is it".
You are right.

Offline stever

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #614 on: March 15, 2012, 02:14:25 PM »
i got it too

Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #615 on: March 21, 2012, 02:41:35 PM »
can i link a bank account to my amazon payments account with a fake drivers liscense #?

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #616 on: March 21, 2012, 02:46:03 PM »
can i link a bank account to my amazon payments account with a fake drivers liscense #?
Yes but happens if your account gets frozen and they want documentation to release the funds?
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Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #617 on: March 21, 2012, 02:52:02 PM »
It's a real person and I'm using their social, and the bank account is in both our names, but I don't want to ask them for their drivers license #. I guess worst case scenario, I could get the DL# and just tell them I typed in the wrong one by mistake

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #618 on: March 21, 2012, 02:53:32 PM »
Open an Amazon payments corporate account, and you won't need to provide your drivers license ID.
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Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #619 on: March 21, 2012, 02:54:15 PM »
It says you need to fax over bank statements proving buisness existance