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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122667 times)

Offline A3

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2009
  • Posts: 3449
  • Total likes: 95
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
Earn miles/points with Amazon payments using a credit card
« Reply #1140 on: October 15, 2012, 02:41:34 PM »
I send it to my fiancee, and then she just transfers it back to me via Quickpay.

but you guys are saying I can create another account under my name and do it?

That's what I have been doing.
I've been using the same IP but different browsers.

Offline Achas Veachas

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2012
  • Posts: 4399
  • Total likes: 114
  • DansDeals.com Hat Tips 3
    • View Profile
    • Torah && Tech
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1141 on: October 15, 2012, 03:01:57 PM »
no, we have wives for a reason.
I guess that's the answer to all the singles out there asking why they should get married :))

Offline bem684

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2010
  • Posts: 670
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1142 on: October 15, 2012, 03:08:23 PM »
what is Quickpay?

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1143 on: October 15, 2012, 03:12:14 PM »
Love me or hate me. I still love you.

Offline Bettracker

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2012
  • Posts: 305
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: N.Y-World

Offline Yeki89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 3845
  • Total likes: 19
  • DansDeals.com Hat Tips 5
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1145 on: October 15, 2012, 03:58:29 PM »
no, you can send money to another chase account using your CHECKING account

Offline Bettracker

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2012
  • Posts: 305
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: N.Y-World
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1146 on: October 15, 2012, 04:08:45 PM »
no, you can send money to another chase account using your CHECKING account

Oh so no CC's are involved.

Offline Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7660
  • Total likes: 47
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1147 on: October 15, 2012, 04:13:12 PM »
no, you can send money to another chase account using your CHECKING account
Correct, although not specifically to/from a chase account - only one of the people need to have to have a chase account. (Either the sender or receiver) .

Offline Bettracker

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2012
  • Posts: 305
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: N.Y-World
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1148 on: October 15, 2012, 04:19:37 PM »
Correct, although not specifically to/from a chase account - only one of the people need to have to have a chase account. (Either the sender or receiver) .

So then which bank would the other account come from?

Offline Redbull3

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2011
  • Posts: 3492
  • Total likes: 417
  • DansDeals.com Hat Tips 1
    • View Profile
  • Programs: Blocked By @NeriaKraus
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1149 on: October 18, 2012, 08:48:24 AM »
Sorry if this answer is found in the past 77 pages.. I remember when Amazon was a freedom category and AP didn't give 5x. What about Citi forward which regularly pays 5x for Amazon since it's a "book store"? I assume not but was curious.

Offline askmoses

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2010
  • Posts: 1686
  • Total likes: 14
  • DansDeals.com Hat Tips 8
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1150 on: October 18, 2012, 06:17:18 PM »
Sorry if this answer is found in the past 77 pages.. I remember when Amazon was a freedom category and AP didn't give 5x. What about Citi forward which regularly pays 5x for Amazon since it's a "book store"? I assume not but was curious.


I don't believe so.

Offline tuvz

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2010
  • Posts: 599
  • Total likes: 0
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1151 on: October 29, 2012, 07:54:38 PM »
Im trying to meet some thresholds on my new amex cards
can i make my brother (same surname) an AU on my spg and get him to send 1000 a month to someone else or myself..
Do i risk an FR from Amex or possibly any action from AP?
thanks

Offline askmoses

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2010
  • Posts: 1686
  • Total likes: 14
  • DansDeals.com Hat Tips 8
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1152 on: October 30, 2012, 01:08:02 AM »
Im trying to meet some thresholds on my new amex cards
can i make my brother (same surname) an AU on my spg and get him to send 1000 a month to someone else or myself..
Do i risk an FR from Amex or possibly any action from AP?
thanks
Amazon Payments is often viewed as a trigger for a Financial Review

Offline jk2

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2011
  • Posts: 64
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1153 on: November 05, 2012, 10:45:15 AM »
I used AP for many months and never had a problem. Today I did A-> B. On the last step I pressed "submit" and was redirected to the first step (where you select person and amount to send). I thought I did something wrong and repeated. Got the same redirection. I checked my account limits and see that it was decreased by amount I "sent". But nothing sent! Is it a sign of suspension or glitch?

Offline schneury

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2011
  • Posts: 540
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1154 on: November 05, 2012, 11:24:43 AM »
I used AP for many months and never had a problem. Today I did A-> B. On the last step I pressed "submit" and was redirected to the first step (where you select person and amount to send). I thought I did something wrong and repeated. Got the same redirection. I checked my account limits and see that it was decreased by amount I "sent". But nothing sent! Is it a sign of suspension or glitch?
I had the same thing on 2 accounts

Offline askmoses

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2010
  • Posts: 1686
  • Total likes: 14
  • DansDeals.com Hat Tips 8
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1155 on: November 05, 2012, 01:25:59 PM »
this doesn't sound good... did you contact AP CS?

Offline schneury

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2011
  • Posts: 540
  • Total likes: 30
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1156 on: November 05, 2012, 01:59:48 PM »
No I don't want to cause any red flags, anyone else with this issue?

Offline jk2

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2011
  • Posts: 64
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1157 on: November 05, 2012, 02:23:56 PM »
How long do you have this problem? I didn't do anything wrong - I sent money to different person.

Offline TC610

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Mar 2010
  • Posts: 757
  • Total likes: 2
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1158 on: November 05, 2012, 03:36:26 PM »
I was able to send a payment about 20 minutes ago and had no problem.

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8388
  • Total likes: 74
  • DansDeals.com Hat Tips 18
    • View Profile
Re: Earn miles/points with Amazon payments using a credit card
« Reply #1159 on: November 05, 2012, 03:55:42 PM »
AP asked my sis for her bank stmt when she tried opening. Is this a new standard procedure?