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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122872 times)

Offline gevaldig

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1480 on: January 15, 2013, 09:05:57 PM »
THANKS

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1481 on: January 15, 2013, 10:08:29 PM »
I wonder if they count Amazon money (that did not originate from a bank account) towards the 20K limit.

Online ckmk47

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Re: Using Amazon payments to cash out prepaid cards
« Reply #1482 on: January 15, 2013, 10:26:49 PM »
What type of debit card?
I tried with visa, mc and amex gc.  After trying each, I reread the wiki and did the date change thing on new cards.  It only worked on 1 amex not another etc.
My favorite cause: cssy.org

Offline Fan of Dan

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Re: Using Amazon payments to cash out prepaid cards
« Reply #1483 on: January 15, 2013, 10:30:23 PM »
I tried with visa, mc and amex gc.  After trying each, I reread the wiki and did the date change thing on new cards.  It only worked on 1 amex not another etc.
Did you first put in the correct date?

Offline robi

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1484 on: January 15, 2013, 10:42:31 PM »
I tried with visa, mc and amex gc.  After trying each, I reread the wiki and did the date change thing on new cards.  It only worked on 1 amex not another etc.
you have to wait until they release the hold
"I'd rather be hated for who I am, then loved for who I'm not"

Offline yitzf

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Re: Using Amazon payments to cash out prepaid cards
« Reply #1485 on: January 15, 2013, 10:47:31 PM »
I tried with visa, mc and amex gc.  After trying each, I reread the wiki and did the date change thing on new cards.  It only worked on 1 amex not another etc.

Try registering the card, IME with the Vanilla the zip had to be registered.

Offline gevaldig

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1486 on: January 15, 2013, 11:26:52 PM »
how long is the hold on AP

Offline HelpMe

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1487 on: January 16, 2013, 03:03:46 AM »
There is no hold if you did it right.
"Elvis Has Left The Building"

Offline noturbizniss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1488 on: January 16, 2013, 11:27:10 AM »
When i get payments i transfer to my bank right away and it usually shows up in bank next business day.  Faster than more bank transfers.
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline gevaldig

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1489 on: January 16, 2013, 10:53:33 PM »
the problem is, the gift card balance is 0, i sent 2 payments off 500 each, one got claimed but the 2nd one never went thru I wasn't able to claim the 2nd 500, but on the gift card balance it shows that it went down from 1000  to zero?

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1490 on: January 17, 2013, 01:33:15 AM »
I hope I am not putting my foot in my mouth but I am happy to see this thread made it to 100 pages. Didn't think it would last this long, al tiftach peh lesatan.

Offline mmermss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1491 on: January 17, 2013, 03:02:06 AM »
I hope I am not putting my foot in my mouth but I am happy to see this thread made it to 100 pages. Didn't think it would last this long, al tiftach peh lesatan.
At first I thought I was missing 70 pages..realized I have a lot more on a page
It's not about the quantity of your posts.  It's about the quality.

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1492 on: January 17, 2013, 09:22:01 AM »
At first I thought I was missing 70 pages..realized I have a lot more on a page
I kept it at the default amount per page so it can load faster on my mobile.

Offline mmermss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1493 on: January 17, 2013, 10:17:34 AM »
I kept it at the default amount per page so it can load faster on my mobile.
I personally don't find it any slower. Maybe the video thread.
It's not about the quantity of your posts.  It's about the quality.

Offline noturbizniss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1494 on: January 17, 2013, 11:58:46 AM »
At first I thought I was missing 70 pages..realized I have a lot more on a page
How do you have more posts on a page?  Can't seem to find  the settings...
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline mmermss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1495 on: January 17, 2013, 12:13:04 PM »
It's not about the quantity of your posts.  It's about the quality.

Offline Achas Veachas

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1496 on: January 17, 2013, 12:33:15 PM »
How do you have more posts on a page?  Can't seem to find  the settings...
In settings go to look and layout.

Offline noturbizniss

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1497 on: January 17, 2013, 02:49:01 PM »
In settings go to look and layout.
Thanks.  Must have overlooked it
READ THE DARN WIKI!!!!

Chuck Norris...
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Offline nicemann

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1498 on: January 17, 2013, 10:50:28 PM »
I read over the pages since the first of the year so hopefully I did not miss this.

Since they started to require SSNs can you have more then one account under the same SSN?

Here's what I would like to do:
One account under my SSN (email address 1) - sending to my wife
Another account under my SSN (email address 2) - sending to my email address 1
One account under my wife's SSN - sending it to my email address 2

My email account 1 and my wife would have the same bank account different CC, but my email account 2 would have a different bank account and different CC then the other 2.

Sound like it would fly?  I use Amazon all the time and would hate for the accounts to get locked.

If not could I just send $1,000 from my 1st account to my wife's and then she sends $1000 back to me with a credit card after she cashes out the one I sent her?   Would be smaller payments not just the $1,000 at one time.
« Last Edit: January 17, 2013, 11:11:44 PM by nicemann »

Offline Shmulyg

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1499 on: January 18, 2013, 01:38:12 AM »
I read over the pages since the first of the year so hopefully I did not miss this.

Since they started to require SSNs can you have more then one account under the same SSN?
I do. Though, i think it's a YMMV situation (i personally know someone who was shut down for multiple accounts, even before the mandatory SSN).

Here's what I would like to do:
One account under my SSN (email address 1) - sending to my wife
Another account under my SSN (email address 2) - sending to my email address 1
One account under my wife's SSN - sending it to my email address 2

My email account 1 and my wife would have the same bank account different CC, but my email account 2 would have a different bank account and different CC then the other 2.

Sound like it would fly?  I use Amazon all the time and would hate for the accounts to get locked.

If not could I just send $1,000 from my 1st account to my wife's and then she sends $1000 back to me with a credit card after she cashes out the one I sent her?   Would be smaller payments not just the $1,000 at one time.

Both scenarios you raise here have been reported as red flag raisers. Though i have no personal experience.