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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122771 times)

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #940 on: June 25, 2012, 11:54:04 PM »
A friend of mine used his wife's credit card to transfer money to his wife's AP account.  He is now getting a message saying he is unable to claim the money. The credit card was charged. 

Any suggestions as to a course of action?

Email them and tell them you can't claim it, they will reverse the charge back onto the credit card. I believe if you just wait it'll eventually reverse (not sure how long that'll take).

Offline scwam

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #941 on: June 26, 2012, 01:55:55 AM »
30 days. On the 31st day it's posted back onto the account.

Offline Shmelly

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #942 on: June 27, 2012, 04:52:52 PM »
My limits reset again today (on 1 account)!!! Already did over $1800 on that account this month - can now add another $1K. Other accounts were not reset though. Anyone else have this?
You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. - Dr. Seuss

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #943 on: June 27, 2012, 05:07:21 PM »
Darn, mine wasn't.
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Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #944 on: June 28, 2012, 05:51:33 AM »
A friend of mine used his wife's credit card to transfer money to his wife's AP account.  He is now getting a message saying he is unable to claim the money. The credit card was charged. 

Any suggestions as to a course of action?
I had the same issue with a new account. I just went to the sender's account and cancelled the payment

Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #945 on: June 28, 2012, 01:46:47 PM »
I've had some problems with new ap accounts just opened. I can't claim the payments. Anyone else have this?
All accounts have a legit social/address/person behind it
Got following note across top of account
"Unfortunately, we have been unable to confirm your account information. This may be because you failed to respond to our past requests for more information or we could not verify the additional information you gave us. As a result, we have restricted some of the features of your Amazon Payments account. Click here to find out more about these restrictions."

I'ts weird because they never requested more info

Offline AsherO

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #946 on: June 28, 2012, 01:50:29 PM »
I'ts weird because they never requested more info

SSN?
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Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #947 on: June 28, 2012, 02:18:52 PM »
accnt was working fine and then went dead. I gave ssn when signed up

Offline karen

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #948 on: June 28, 2012, 02:33:58 PM »
My limits reset again today (on 1 account)!!! Already did over $1800 on that account this month - can now add another $1K. Other accounts were not reset though. Anyone else have this?
Just tried my account, it has been reset too. Maybe it is reset a few days earlier. ?
« Last Edit: June 28, 2012, 02:45:10 PM by karen »

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #949 on: June 28, 2012, 02:42:57 PM »
I've had some problems with new ap accounts just opened. I can't claim the payments. Anyone else have this?
All accounts have a legit social/address/person behind it
Got following note across top of account
"Unfortunately, we have been unable to confirm your account information. This may be because you failed to respond to our past requests for more information or we could not verify the additional information you gave us. As a result, we have restricted some of the features of your Amazon Payments account. Click here to find out more about these restrictions."

I'ts weird because they never requested more info

Similar message but it said multiple account but there weren't any!

Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #950 on: June 28, 2012, 02:48:26 PM »
Think it's worth just making a new account

Offline karen

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #951 on: June 29, 2012, 02:36:21 PM »
I am wondering whether I can create an amazon payment account for my daughter. Does anyone have experience?

Offline A3

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Earn miles/points with Amazon payments using a credit card
« Reply #952 on: June 29, 2012, 02:50:32 PM »
The past day I have had my withdrawals fail a few times. Anyone else ever have this prob? I've tried it to two diff bank accounts and same thing.

Offline karen

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #953 on: June 29, 2012, 02:56:10 PM »
The past day I have had my withdrawals fail a few times. Anyone else ever have this prob? I've tried it to two diff bank accounts and same thing.
I am able to do 3 withdraws between yesterday and today, no problem.

Offline Red

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #954 on: June 30, 2012, 02:59:20 PM »
The past day I have had my withdrawals fail a few times. Anyone else ever have this prob? I've tried it to two diff bank accounts and same thing.

I had that on Wed. I redid it on Thurs. and it went through.

Offline Drago

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #955 on: June 30, 2012, 03:13:23 PM »
I've had some problems with new ap accounts just opened. I can't claim the payments. Anyone else have this?
All accounts have a legit social/address/person behind it
Got following note across top of account
"Unfortunately, we have been unable to confirm your account information. This may be because you failed to respond to our past requests for more information or we could not verify the additional information you gave us. As a result, we have restricted some of the features of your Amazon Payments account. Click here to find out more about these restrictions."

I'ts weird because they never requested more info
Happened to me. Perhaps their email went to your Spam, so you didn't see it. Ask them again to send you their questions.

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #956 on: June 30, 2012, 10:49:52 PM »
Make your payments as soon as you can in case the limits get reset again this month. All my accounts reset today.
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Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #957 on: June 30, 2012, 11:02:03 PM »
Make your payments as soon as you can in case the limits get reset again this month. All my accounts reset today.

when do they normally reset for the new month, 12 EST?

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #958 on: June 30, 2012, 11:04:12 PM »
when do they normally reset for the new month, 12 EST?
Not sure, never checked before. Mine reset somtime this afternoon.
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Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #959 on: June 30, 2012, 11:05:11 PM »
Not sure, never checked before. Mine reset somtime this afternoon.

I see that mine reset too, curious whether I'm getting to double dip this month or I'm already holding by July