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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 736063 times)

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1530 on: January 21, 2013, 11:02:08 PM »
now that the previous question was answered can i bump mine? :)

I've done that (100x10) many times.

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1531 on: January 22, 2013, 12:43:53 PM »
tx! i have no prob doing 10x100 - im jst trying to figure out what everyone means when they say to do various odd amounts so it wont raise a flag instead of 1000 flat every month.

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1532 on: January 23, 2013, 10:02:27 PM »
Setting up an Amazon Payment account to send money to. Don't want that acct traced to my IP address. Would setting it up on an Iphone using 4G work? Would I even be able to send money from one acct to another with both on the same phone?

Offline yitzf

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1533 on: January 23, 2013, 10:43:20 PM »
Setting up an Amazon Payment account to send money to. Don't want that acct traced to my IP address. Would setting it up on an Iphone using 4G work? Would I even be able to send money from one acct to another with both on the same phone?

You can use AP on your iPhone, however use two different browsers because they can track with cookies, and also if your worried about ip's then with your phone also you have to make sure your ip's are different.

Offline elikay

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Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #1534 on: January 23, 2013, 10:44:39 PM »
Setting up an Amazon Payment account to send money to. Don't want that acct traced to my IP address. Would setting it up on an Iphone using 4G work? Would I even be able to send money from one acct to another with both on the same phone?
If you refresh your data connection on a phone you'll generate a new ip.

Offline Fan of Dan

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1535 on: January 23, 2013, 10:47:04 PM »
You can use AP on your iPhone, however use two different browsers because they can track with cookies, and also if your worried about ip's then with your phone also you have to make sure your ip's are different.
That's a good point will use separate browsers.

Offline Fan of Dan

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Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #1536 on: January 23, 2013, 10:47:43 PM »
If you refresh your data connection on a phone you'll generate a new ip.
When you say refresh, does that mean I should just cut the 4G connection and then start it up again?

I have several accounts perhaps the safest way would be to send from computer to phone then phone to a computer acct etc and just never send from the phone accts to each other just to the computer and vice versa.

Offline awardticket

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1537 on: January 23, 2013, 11:53:31 PM »
Just made a new account and then had a friend send me money ($990). The account of my friend was old but mine was brand new. The money did not go thru and all my friend got was a message saying to wait for an email that the payment is good.

Was it stupid to try to make the payment to an acct a few minutes old? Think this can be an issue?

Offline robi

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1538 on: January 23, 2013, 11:59:28 PM »
Just made a new account and then had a friend send me money ($990). The account of my friend was old but mine was brand new. The money did not go thru and all my friend got was a message saying to wait for an email that the payment is good.

Was it stupid to try to make the payment to an acct a few minutes old? Think this can be an issue?
no, it takes some time for the account to set up. Wait a couple hours it'll be fine
"I'd rather be hated for who I am, then loved for who I'm not"

Offline awardticket

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1539 on: January 24, 2013, 12:00:35 AM »
no, it takes some time for the account to set up. Wait a couple hours it'll be fine
thanks!

Offline HelpMe

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Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #1540 on: January 24, 2013, 01:25:13 AM »
When you say refresh, does that mean I should just cut the 4G connection and then start it up again?
All phones are different but basically, yes.
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Offline moshiach1

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1541 on: January 24, 2013, 11:35:32 AM »
"As a result of changes to federal regulation, Amazon Payments is required to verify your identity. This functionality is temporarily disabled, pending verification of your information."

Offline elikay

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Re: Re: Re: Earn miles/points with Amazon payments using a credit card
« Reply #1542 on: January 24, 2013, 11:55:00 AM »
All phones are different but basically, yes.
just check your IP you can simply type "what's my IP" into Google.

Offline wierdal832

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1543 on: January 24, 2013, 12:01:07 PM »
i just tried making 2 new accounts under my brothers names, one is 21 and one is 18, and this message pops up when trying to send money.

Important Message:
This functionality has been disabled on your account. We have failed in verifying the information submitted by you. Click here to find out more about these restrictions

any ideas?

Offline Shmelly

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Re: Earn miles/points with Amazon payments using a credit card
« Reply #1544 on: January 24, 2013, 12:13:17 PM »
Verify the info. If you submit incorrect info twice you will never get back in to the account IME.
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