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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122917 times)

Offline AsherO

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1020 on: August 03, 2012, 11:05:12 AM »
If I were to use the whole card via AP am I risking a FR from Amex? I know with standard cards it's a trigger but what about a gift card bought on the Amex card? 

I don't the the F/R team would bother (can?) check how you spent your GC.

I've been using standard cards for a while, and it hasn't been an issue. I think some ppl experienced correlation, and thought it was causation.

I would say it's in the causation category even if it isn't a trigger. Once an algorithm lands your file in the F/R department (for something else), the GC purchases will definitely work against you.

Now back to the issue at hand :) AMEX GCs bought on AMEX while logged in, risking FR if draining through AP or not? What if I register it in someone elses name?

Like I said, I think the F/R risk is in buying the GCs, once you've done that it's irrelevant (with regards to F/R) how you cash 'em out.
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Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1021 on: August 03, 2012, 02:27:15 PM »
Like I said, I think the F/R risk is in buying the GCs, once you've done that it's irrelevant (with regards to F/R) how you cash 'em out.
What if I had to go through a F/R just to get my card? Only about 8 months since I got it approved... you think they will F/R me all over??

Offline AsherO

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1022 on: August 03, 2012, 02:55:09 PM »
What if I had to go through a F/R just to get my card? Only about 8 months since I got it approved... you think they will F/R me all over??

Passing an F/R is no guarantee of immunity, people here have gotten F/R'd 2-3 times in one year.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1023 on: August 03, 2012, 03:01:33 PM »
Passing an F/R is no guarantee of immunity, people here have gotten F/R'd 2-3 times in one year.
Thanks for the tips...
Hardest card to get spending done on is my AMEX and those are the points I am looking to collect ATM. I was hoping the GCs with AP would be a good method but I guess not...

Offline AJK

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1024 on: August 03, 2012, 03:22:47 PM »
Like I said, I think the F/R risk is in buying the GCs, once you've done that it's irrelevant (with regards to F/R) how you cash 'em out.

Wish that were true. I've read reports where people who were F/Rd as a result of GC/prepaid cards use abuse.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1025 on: August 03, 2012, 03:42:23 PM »
Thanks for the tips...
Hardest card to get spending done on is my AMEX and those are the points I am looking to collect ATM. I was hoping the GCs with AP would be a good method but I guess not...
loading pass cards will not earn you points but will seemingly count towards spending thresholds

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1026 on: August 03, 2012, 04:24:26 PM »
Wish that were true. I've read reports where people who were F/Rd as a result of GC/prepaid cards use abuse.
Even if registered under a different name? Seems crazy... like if in my business we give out GCs as an incentive, how can I be responsible for what my customers do thereafter??!!
loading pass cards will not earn you points but will seemingly count towards spending thresholds
ATM don't have any card I need to hit thresholds on, but looking for good ways to collect SPG points.

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1027 on: August 03, 2012, 05:51:05 PM »
Even if registered under a different name? Seems crazy... like if in my business we give out GCs as an incentive, how can I be responsible for what my customers do thereafter??!!
I know Amazon has a form you're supposed to sign before giving out GCs to your customers. Maybe Amex has something similar, which might offer a bit of protection for this.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1028 on: August 03, 2012, 05:58:41 PM »
Is it ok to pay with a cc (on your account) to an authorized user on your credit card (his account)

Offline AsherO

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1029 on: August 03, 2012, 07:10:39 PM »
Wish that were true. I've read reports where people who were F/Rd as a result of GC/prepaid cards use abuse.

They assumed, or that's specifically what the F/R reps told them?

Is it ok to pay with a cc (on your account) to an authorized user on your credit card (his account)

Via AP? I don't think Amex would know who you paid to, they'd only know you made a $x AP payment.
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Offline Drago

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1030 on: August 04, 2012, 03:15:31 PM »

I would say it's in the causation category even if it isn't a trigger. Once an algorithm lands your file in the F/R department (for something else), the GC purchases will definitely work against you.

I was referring to using AP, not buying gc's

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1031 on: August 04, 2012, 05:56:00 PM »
Can you please provide more details how you do that?


Thanks

I have a great way to achieve free spending (and getting money back) via visa/mastercard.

The condition would be to change your billing address, to a non usa or israel address.
And have a non usa bank account, which isn't a big deal.

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1032 on: August 04, 2012, 09:28:41 PM »
They assumed, or that's specifically what the F/R reps told them?
+1
I wonder if they are able/willing to track it that far....

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1033 on: August 05, 2012, 11:25:53 PM »
Hi I was wondering if my mom sent me AP on a credit card that I am an AU is that a problem?

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1034 on: August 05, 2012, 11:31:02 PM »
Hi I was wondering if my mom sent me AP on a credit card that I am an AU is that a problem?
This isn't the same question you asked 5 posts before?

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1035 on: August 05, 2012, 11:31:30 PM »
That's a superb question, but no, its not a problem.
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1036 on: August 07, 2012, 08:32:48 PM »
Is anyone interested in me transferring payment to you via amazon and you paying it back to me?

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1037 on: August 07, 2012, 11:14:01 PM »
Is anyone interested in me transferring payment to you via amazon and you paying it back to me?
:o

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1038 on: August 08, 2012, 08:03:10 AM »
Anyone knows?
What happens if the recipient (who didn't set up his AP acc yet, and therefore have to 'claim' the $$) don't claim it and they return it after (30??) a few days, do they credit back my CC or my AP account?
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1039 on: August 08, 2012, 02:38:08 PM »
Anyone knows?
What happens if the recipient (who didn't set up his AP acc yet, and therefore have to 'claim' the $$) don't claim it and they return it after (30??) a few days, do they credit back my CC or my AP account?
Usually the CC. However I had one messed up story where it didn't let me claim the payment, it then casually erased itself from the records as if it never charged his card at all. Problem was it showed up on the payer's account as successfully sent, and had billed his card.

I had to send screenshots of his account proving the payment actually happened, and then after few hours of phone calls and many frustrating emails, they finally agreed that there system screwed up. They reversed the charge back to his credit card.

They had wrongfully accused me many times of multiple accounts... they can be a royal pain sometimes...