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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122870 times)

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1040 on: August 08, 2012, 06:46:45 PM »
Yeah I'm now in.... They're a PITA....
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Offline Shmelly

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1041 on: August 27, 2012, 12:38:48 PM »
My AP charges always came up as AMAZON PAYMENTS 866-749-7545. My most recent one came up as AMAZON.COM, INC. SEATTLE WA840. If Freedom ever offers another Amazon 5%, AP may actually work now. 
You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. - Dr. Seuss

Offline dafyomi

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meeting spend threshold thru Amazon Payments
« Reply #1042 on: August 27, 2012, 09:46:14 PM »
Dan,

In your recent article, you mentioned meeting spend threshold thru Amazon Payments. you said can use credit card to put funds in "friends' bank account. Can you put it in your own bank account or in a spouses account?

Does it work only with credit card  or can it work with Visa Prepaid card also?

Offline MarkS

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Re: meeting spend threshold thru Amazon Payments
« Reply #1043 on: August 27, 2012, 10:24:38 PM »
Welcome to the Forums!
There's an extensive thread discussing Amazon Payments here http://forums.dansdeals.com/index.php?topic=3524.0
Read up and if you still have questions post them there.

Offline Lamdan

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Re: meeting spend threshold thru Amazon Payments
« Reply #1044 on: August 27, 2012, 10:57:42 PM »
Also, this is not Dan's email inbox. It's a Forum, with many members.
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Offline JEWDA

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Re: meeting spend threshold thru Amazon Payments
« Reply #1045 on: August 27, 2012, 11:03:21 PM »
Quote from: Lamdan link=topic=19592.msg291869#msg291869 date ;)=1346122662
Also, this is not Dan's email inbox. It's a Forum, with many members.
lol. Every comment on the main site has the word dan in it at least twice
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Offline JamesIV

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1046 on: August 29, 2012, 02:48:20 AM »
I know this has probably been discussed in the previous 70 pages but I can't find an answer in the search  :),
Am I able to make accounts for parents and siblings then transfer 1,000 monthly between them from a bunch of my own different credit cards?

Offline Fefferkorn

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1047 on: August 29, 2012, 03:31:19 AM »
I just opened an Amazon Payments account and purposely entered the SSN with one number off...
Will this affect the usage of the account in any way?
Does this mean one can open up a bunch of bogus accounts with them and use them no problem?

PS. Sorry can't read through 70 pages it's 3:30am...

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1048 on: August 29, 2012, 03:32:45 AM »
PS. Sorry can't read through 70 pages it's 3:30am...
...then wait until the morning and start reading then.
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Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1049 on: August 29, 2012, 04:38:50 AM »
...then wait until the morning and start reading then.
LOL

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1050 on: August 29, 2012, 08:38:08 AM »
I know this has probably been discussed in the previous 70 pages but I can't find an answer in the search  :),
Am I able to make accounts for parents and siblings then transfer 1,000 monthly between them from a bunch of my own different credit cards?
Yes, it's worked for myself and many others.

Offline Matovu

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1051 on: August 29, 2012, 10:13:15 AM »
Can i use it with 2 different accounts in MY OWN NAME ?

Offline 3ZeroT

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1052 on: August 29, 2012, 10:27:37 AM »
Can i use it with 2 different accounts in MY OWN NAME ?

Some have done that successfully but no guarantees

Offline Fefferkorn

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1053 on: August 29, 2012, 10:49:56 AM »
...then wait until the morning and start reading then.
Thanks you sir for the tip...
If you tell me the answer is on here I'll read through the whole thing today.
Can you assure me of that?

Offline JamesIV

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1054 on: August 29, 2012, 11:29:14 AM »
Yes, it's worked for myself and many others.
Thanks bro apreesh

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1055 on: August 29, 2012, 12:19:23 PM »
Thanks bro apreesh
You're welcome, and welcome to DDF!

Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1056 on: August 29, 2012, 01:10:00 PM »
I trouble creating ap accounts for some people. I submit all the info, and verified bank accounts but the "limits page" still shows $500 limit for not verifying bank accounts. But I have a verified bank account. It's weirder because I can't accept payments with the account but I can send them. When I send, it doesn't subtract from the $500 sending/recieving amount, but it does subtract from the $1,000 CC send/recieve amount.
THis has happened on 3 accounts so far,
Any ideas?

Offline Avid Reader

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1057 on: August 29, 2012, 01:31:23 PM »
Did you verify info/bank for all accounts or just yours?

Offline aj26

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1058 on: August 29, 2012, 04:56:46 PM »
Yes, I did it with deposits and the account shows the banks are verified

Offline menachem

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1059 on: August 29, 2012, 09:02:50 PM »
make sure your checking the right email address associated with the account. . .