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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122441 times)

Offline A3

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Earn miles/points with Amazon payments using a credit card
« Reply #980 on: July 20, 2012, 09:04:51 AM »
Was trying to withdarw to a chase checking, got an email that it failed since bank didn't allow it to go through. Now the options available is to either add another bank accout or amazon GC. Anyone have this before?

Is your account verified?
It did happen to me when my account was on hold because it wast verified. I sent them an email saying how can they just it down my tenants use it to pay me etc. they opened it back up and haven't had a prob since....

Offline U-no-me!

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #981 on: July 20, 2012, 09:06:24 AM »
Is your account verified?
It did happen to me when my account was on hold because it wast verified. I sent them an email saying how can they just it down my tenants use it to pay me etc. they opened it back up and haven't had a prob since....

My account is verified. they blamed it on the bank.
Vote U-no-me '14!

Offline A3

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Earn miles/points with Amazon payments using a credit card
« Reply #982 on: July 20, 2012, 09:08:48 AM »
My account is verified. they blamed it on the bank.

Oh ok. It happened to me they blamed it on the bank tried with chase and well Fargo. But my account wasnt verified. As soon as I got it verified it went through no prob.

Offline U-no-me!

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #983 on: July 20, 2012, 09:11:11 AM »
Oh ok. It happened to me they blamed it on the bank tried with chase and well Fargo. But my account wasnt verified. As soon as I got it verified it went through no prob.

Interesting.. I tried to check to make sure I was verified, when I clicked on edit I got this
"You cannot change your tax identification information right now. The information you entered previously is still under review."
So maybe i'm not yet verified.
Vote U-no-me '14!

Offline U-no-me!

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #984 on: July 20, 2012, 09:16:27 AM »
hmmm.. it seems that my bank account was unverified even though I have verified it in the past and have done withdrawels. Reverified my bank account and initiated the withdraw.
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Offline Red

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #985 on: July 20, 2012, 09:18:22 AM »
Anyone know an email address to send an email to? I'm locked out of my account and have no way to contact them.

Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #986 on: July 20, 2012, 09:25:38 AM »
Anyone know an email address to send an email to? I'm locked out of my account and have no way to contact them.
look after your request above, someone made an offer to you.
You can try to email them. PM me if you need it

Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #987 on: July 20, 2012, 09:28:33 AM »
An interesting thing, when you verify your accounts they ask you either for your bank "username and password" or they put in two deposits. Isnt this a major breach? Who are they to ask for this info? All I know is that my bank warns me all the time, never to give that info out to ANYONE.   

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #988 on: July 20, 2012, 09:30:27 AM »
You have an other option to fax in a recent bank statement, its just to make it easier for you.
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Offline Red

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #989 on: July 20, 2012, 09:32:36 AM »
look after your request above, someone made an offer to you.

I sent him a PM earlier, but he's not online now so I was asking if anyone else has any info.

Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #990 on: July 20, 2012, 09:38:23 AM »
I sent him a PM earlier, but he's not online now so I was asking if anyone else has any info.
I personally would set up a chat at Amazon, and ask them either to put the chat through to AP, or to give you an email address.

Offline Red

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #991 on: July 20, 2012, 09:57:36 AM »
I personally would set up a chat at Amazon, and ask them either to put the chat through to AP, or to give you an email address.

I was trying to figure out a way to contact them through amazon payments but couldn't do it without logging in, I didn't even think to go to regular cs. I just chatted with them and got nowhere so i sent an email we'll see what happens. Thanks

Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #992 on: July 24, 2012, 12:21:53 PM »
When in the month does it reset?

Offline Saver2000

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #993 on: July 24, 2012, 01:25:59 PM »
When in the month does it reset?

At the end of the calendar month.

Offline karen

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #994 on: July 24, 2012, 04:00:01 PM »
At the end of the calendar month.
It reset earlier last month, has it reset for anyone in July yet?

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #995 on: July 30, 2012, 09:49:40 PM »
Does anyone have any recent experience with adding the same cc to 2 separate accounts?

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #996 on: July 30, 2012, 10:53:53 PM »
Does anyone have any recent experience with adding the same cc to 2 separate accounts?
I did an AU (Same CC number, different name) on another account and that other account was shutdown. Not necessarily was this the reason why, but I would be weary of doing so just the same...
« Last Edit: July 30, 2012, 11:53:47 PM by askmoses »

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #997 on: July 30, 2012, 11:49:40 PM »
Does anyone have any recent experience with adding the same cc to 2 separate accounts?
i did so for the last 2 months
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Offline gunit770

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #998 on: July 31, 2012, 09:52:59 PM »
did anyone notice that the amounts reset for the new month? I see that my account limits reset and I was wondering if I make a transfer now will it reset again like people were reporting last month? or will it not reset again?

Offline 3ZeroT

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #999 on: July 31, 2012, 10:13:12 PM »
did anyone notice that the amounts reset for the new month? I see that my account limits reset and I was wondering if I make a transfer now will it reset again like people were reporting last month? or will it not reset again?

Nope - some of us noticed it reset a day early last month as well so we sent payments on June 30, but those accounts did not reset again during July.