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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 736052 times)

Offline elikay

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1515 on: January 19, 2013, 08:33:20 PM »
I don't think it is new, I believe I have seen it before. Though if it defaults to AP that would be new.

Offline nutcase

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1516 on: January 19, 2013, 08:38:53 PM »
I don't think it is new, I believe I have seen it before. Though if it defaults to AP that would be new.
yes it is defaulting to ap balance(on my account at least.(guess they learned from there competition paypal!)

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1517 on: January 21, 2013, 01:52:08 PM »
Can you link a bank account on AP to an account in someone else's name? If yes what did you put in under Bank account name?

Offline U-no-me!

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1518 on: January 21, 2013, 01:56:51 PM »
elikay,

Would you mind removing the moving red zhig in your sig? I'd love to read your posts but it's a bit hard with it there  :)
Vote U-no-me '14!

Offline sguitarist18

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1519 on: January 21, 2013, 03:44:38 PM »
Can the following details be added to the wiki (assuming they're accurate):

1) The max per month is 1k, regardless of the number of recipients, and regardless of how many cards you use.

2) Can a spouse have a separate account using the same credit card (or a different credit card with my name)?

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1520 on: January 21, 2013, 04:33:20 PM »
Can you link a bank account on AP to an account in someone else's name? If yes what did you put in under Bank account name?
Yes.
No problem entering the bank account holder's name, IME.
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Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1521 on: January 21, 2013, 08:01:35 PM »
Yes.
No problem entering the bank account holder's name, IME.
Amazing thanks for the info.

What would you say about linking 2 AP accounts to 1 bank account, assuming they do not send back and forth between those accounts.

Offline est

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1522 on: January 21, 2013, 09:31:43 PM »
im only getting around to cashing out all my $100 gc from the staples rebate affair, and im trying to figure out how I could send one person say - $900 at once instead of sending 9x100. any way?
if not would this make a difference in raising a red flag as I would be sending a whole bunch of $100 payments and then one frm a cc for an odd amt so the total monthly each month will be a random number?

Offline meshugener

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1523 on: January 21, 2013, 10:17:52 PM »
Amazing thanks for the info.

What would you say about linking 2 AP accounts to 1 bank account, assuming they do not send back and forth between those accounts.
Didn't try 1 bank account, but 1 CC to 6+ accounts seems to be no problem for me.
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Offline Yaalili

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1524 on: January 21, 2013, 10:28:18 PM »
but 1 CC to 6+ accounts seems to be no problem for me.

Me too, but i did hear that it's risky, so YMMV.

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1525 on: January 21, 2013, 10:29:09 PM »
Amazing thanks for the info.

What would you say about linking 2 AP accounts to 1 bank account, assuming they do not send back and forth between those accounts.

I've done it and haven't had a problem.

Offline robi

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1526 on: January 21, 2013, 10:33:34 PM »
I've done it and haven't had a problem.
same here
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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1527 on: January 21, 2013, 10:51:54 PM »
I've done it and haven't had a problem.
same here
Amazing thanks guys!

Offline est

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1528 on: January 21, 2013, 10:57:10 PM »
im only getting around to cashing out all my $100 gc from the staples rebate affair, and im trying to figure out how I could send one person say - $900 at once instead of sending 9x100. any way?
if not would this make a difference in raising a red flag as I would be sending a whole bunch of $100 payments and then one frm a cc for an odd amt so the total monthly each month will be a random number?

now that the previous question was answered can i bump mine? :)

Offline bubbles

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1529 on: January 21, 2013, 10:59:59 PM »
im only getting around to cashing out all my $100 gc from the staples rebate affair, and im trying to figure out how I could send one person say - $900 at once instead of sending 9x100. any way?


There is no way to do that thru amazon payments