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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122493 times)

Offline EE4504

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1180 on: November 16, 2012, 10:35:43 AM »
once i receive the money into the amazon account b .. and transfer it to my chase checking account , will chase charge me a wire transfer fee?

Offline MEIR613

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1181 on: November 16, 2012, 10:54:23 AM »
once i receive the money into the amazon account b .. and transfer it to my chase checking account , will chase charge me a wire transfer fee?
NO


Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1182 on: November 17, 2012, 04:07:11 PM »
What are triggers for AP to catch that two accounts are from the same person?

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1183 on: November 17, 2012, 06:30:51 PM »
What are triggers for AP to catch that two accounts are from the same person?
From what I've heard, IP Addresses, same CC on both accounts, possibly the same last names on both accounts... but there might be more...

Offline Jkhein

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1184 on: November 18, 2012, 01:24:06 AM »
From what I've heard, IP Addresses, same CC on both accounts, possibly the same last names on both accounts... but there might be more...
thanks. Anybody know if same checking account is ok, (for legit accounts)

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1185 on: November 18, 2012, 07:05:09 AM »
thanks. Anybody know if same checking account is ok, (for legit accounts)
Very likely an issue IMHO

Offline lifetimedeals

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1186 on: November 18, 2012, 10:26:29 AM »
with AP can i load up my BB card? even both are my accounts?

Offline lifetimedeals

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1187 on: November 19, 2012, 12:16:09 PM »
Anyone know to load gc into AP do i need a bank account setup in AP ? Also after i load that in can i fund it to my BB card? And how? Thanks

Offline askmoses

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1188 on: November 19, 2012, 03:05:34 PM »
Anyone know to load gc into AP do i need a bank account setup in AP ? Also after i load that in can i fund it to my BB card? And how? Thanks
Can't load GC, unless its a visa, mc ect. GC.
You don't load it to the account, just add the card as a payment option and pay someone using it.

Offline lifetimedeals

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1189 on: November 19, 2012, 06:39:07 PM »
Can't load GC, unless its a visa, mc ect. GC.
You don't load it to the account, just add the card as a payment option and pay someone using it.
I meant visa gc of course, how do I fill BB from AP ? thanks

Offline lifetimedeals

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1190 on: November 20, 2012, 09:42:12 AM »
Anyone had success loading BB card at walmart with CC ?

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1191 on: November 20, 2012, 09:04:13 PM »
I have a friend who made a new account for Amazon Payments, and he has activated/verified his email address, linked a bank account, and added a credit card, yet, his Total Monthly Limits still show $500 where as my account where I have done the same things shows "Unlimited". 

for some reason one of my new accounts just went from unlimited to $500. any explanations?

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1192 on: November 20, 2012, 11:37:44 PM »
for some reason one of my new accounts just went from unlimited to $500. any explanations?

so it's still showing the decreased limits
Quote
Your Amazon Payments Account currently has the following limits:
    Total Monthly Limit   Remaining Monthly Limit
Receiving    $500.00 USD    $500.00 USD
Sending    $500.00 USD    $500.00 USD

The following additional limits apply for Send Money transactions initiated with credit cards:
    Total Monthly Limit   Remaining Monthly Limit
Receiving    $ 1000.00 USD    $ 867.46 USD
Sending    $ 1000.00 USD    $ 1000.00 USD

and now when I sent a payment to the account it is asking me to claim the payment in order to receive it. But when I click claim payment it says
Quote
Important Message:
This incoming payment is funded by a credit card. You must add a credit card to receive a credit card payment. Click here to add a credit card.

Only issue is that there are already cc's linked to this account.

Any help would be greatly appreciated

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1193 on: November 21, 2012, 08:41:05 AM »
Do you have a bank account linked?
Love me or hate me. I still love you.

Offline bubbles

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Earn miles/points with Amazon payments using a credit card
« Reply #1194 on: November 21, 2012, 08:44:05 AM »
Do you have a bank account linked?

Yeah. Verified email. Verified bank account. Added cc. Pretty sure the limits had gone up to the usual unlimited before going back down

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1195 on: November 21, 2012, 08:46:14 AM »
So call.
Love me or hate me. I still love you.

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Earn miles/points with Amazon payments using a credit card
« Reply #1196 on: November 21, 2012, 08:47:44 AM »
So call.

Just don't know if it's worth the risk of them noticing all the other accounts...

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1197 on: November 21, 2012, 08:53:26 AM »
I wouldn't worry.
Been there, done that.
The reps who pick up the phones when you call aren't the decision makers, they just read the notes.
Love me or hate me. I still love you.

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1198 on: November 21, 2012, 08:54:59 AM »
I wouldn't worry.
Been there, done that.
The reps who pick up the phones when you call aren't the decision makers, they just read the notes.

okay thanks

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1199 on: November 21, 2012, 10:02:00 AM »
So call.
I would wait a day or two and see if it clears up.
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