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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122712 times)

Offline ckmk47

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Re: Amazon Payments Master Thread
« Reply #2920 on: October 24, 2013, 01:15:01 PM »
I guess that pretty much sums it up. So annoying to have created 3 account under him and his wife and still at square 1. Any ideas?
Were you using their established addresses, bank accounts, cc?  All info was correct and above board?
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Offline DoGo

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Re: Amazon Payments Master Thread
« Reply #2921 on: October 24, 2013, 01:28:39 PM »
I think you have to call. CMIIW.
so i called, rep said there was nothing wrong with sending between accounts (good thing GC's were removed b4 it was locked) he will keep an eye on the accounts and pass on to tech, should be done within 24 hrs... lets c

Offline lifetimedeals

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Re: Amazon Payments Master Thread
« Reply #2922 on: October 25, 2013, 01:03:53 AM »
so i called, rep said there was nothing wrong with sending between accounts (good thing GC's were removed b4 it was locked) he will keep an eye on the accounts and pass on to tech, should be done within 24 hrs... lets c
is it perfectly normal sending between two AP accounts back and forth or will it look susp.? is it better to do with someone not family or looks better when using spouse account?

Offline DoGo

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Re: Amazon Payments Master Thread
« Reply #2923 on: October 25, 2013, 01:09:44 AM »
is it perfectly normal sending between two AP accounts back and forth or will it look susp.? is it better to do with someone not family or looks better when using spouse account?
see wiki

Offline AJK

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Re: Amazon Payments Master Thread
« Reply #2924 on: October 25, 2013, 04:35:04 PM »
They're jerks because (a) they don't communicate or respond at all about suspension/status of an account, while they assure that you will be contacted within 24 hours, (b) because they are shutting down regular Amazon accounts that are not linked to any Amazon Payment activity, without explanation, and (c) because they seemingly are attempting to keep balances in Amazon Payments accounts that that they have suspended, as well as credit balances in regular Amazon accounts, which are unrelated to any Amazon Payments activity.

a) Except they do send an email that the account has been suspended, and even if they don't you're told when you (try to) login.
b) What's a "regular Amazon account? Would that be your first? second? third? fourth? fifth? or sixth AP account? Right.
c) Which they are legally allowed to do and which you agreed to by using AP.

I simply cannot comprehend any argument following this line, sorry:

These jerks just put my 6th account on hold.

Blatant disregard of the TOS and you're calling them jerks.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline notanonymous

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Re: Amazon Payments Master Thread
« Reply #2925 on: October 25, 2013, 04:39:23 PM »
a) Except they do send an email that the account has been suspended, and even if they don't you're told when you (try to) login.
b) What's a "regular Amazon account? Would that be your first? second? third? fourth? fifth? or sixth AP account? Right.
c) Which they are legally allowed to do and which you agreed to by using AP.

I simply cannot comprehend any argument following this line, sorry:

Blatant disregard of the TOS and you're calling them jerks.
c) I admit I have not read their TOS.  But ,I  assume they cannot legally keep the money. CMIIW

Offline AJK

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Re: Amazon Payments Master Thread
« Reply #2926 on: October 25, 2013, 04:46:38 PM »
Keep it forever? No.

Keep it temporarily? Yes.
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Offline jmansour

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Re: Amazon Payments Master Thread
« Reply #2927 on: October 26, 2013, 07:27:53 PM »
Amazon payments sent an email about changes to their policy.
I caught this, are the good days over?

Amazon Payments fees are transaction-based. Your fee is based on a percentage of the transaction amount plus a per-transaction fee. Our standard rate is 2.9% + $0.30 per transaction for transactions of $10 or more. To help lower the cost of accepting payments, we offer discounts for volume, micropayments and processing donations. See below for details on our fees and discounts.
The fees on this page apply to all Amazon Payments products except for Amazon Flexible Payments Service. To see fees for Amazon Flexible Payments Service, click here.
Our standard transactional rate is 2.9% + $0.30 per transaction for transactions of $10 or more. For example, if a $10 transaction is made on your website, your processing fee would be $.59, according to our standard rate.

Offline Dan

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Re: Amazon Payments Master Thread
« Reply #2928 on: October 26, 2013, 07:49:55 PM »
Amazon payments sent an email about changes to their policy.
I caught this, are the good days over?

Amazon Payments fees are transaction-based. Your fee is based on a percentage of the transaction amount plus a per-transaction fee. Our standard rate is 2.9% + $0.30 per transaction for transactions of $10 or more. To help lower the cost of accepting payments, we offer discounts for volume, micropayments and processing donations. See below for details on our fees and discounts.
The fees on this page apply to all Amazon Payments products except for Amazon Flexible Payments Service. To see fees for Amazon Flexible Payments Service, click here.
Our standard transactional rate is 2.9% + $0.30 per transaction for transactions of $10 or more. For example, if a $10 transaction is made on your website, your processing fee would be $.59, according to our standard rate.
Link?
Are you sure that's not for business use which has always had those fees?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline @Yehuda

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Offline Dan

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Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Achas Veachas

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Re: Amazon Payments Master Thread
« Reply #2931 on: October 26, 2013, 08:18:41 PM »
Got them too, probably in the link that finishes on 'user agreement'

Offline @Yehuda

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Re: Amazon Payments Master Thread
« Reply #2932 on: October 26, 2013, 08:23:27 PM »
Where exactly am I supposed to be looking?

Don't know, I didn't read through it, just sharing the links that OP was probably referring to.

Offline jmansour

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Re: Amazon Payments Master Thread
« Reply #2933 on: October 26, 2013, 08:24:52 PM »

Offline itsyehuda

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Re: Amazon Payments Master Thread
« Reply #2934 on: October 26, 2013, 08:32:09 PM »
I remember when a coke was a nickel, and you could buy VRs in OD.

Offline Dan

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Re: Amazon Payments Master Thread
« Reply #2935 on: October 26, 2013, 08:34:40 PM »
https://payments.amazon.com/help/Checkout-by-Amazon/Creating-Managing-Your-Account/Amazon-Payments-Fees
I think that's for business accounts.
And nothing there indicates it's changing in December.

I called AP and the rep also says nothing is changing. DROPR and all that, but I haven't seen anything that says to the contrary on personal accounts.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Dan

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Re: Amazon Payments Master Thread
« Reply #2936 on: October 26, 2013, 08:36:13 PM »
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline smaxber

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Re: Amazon Payments Master Thread
« Reply #2937 on: October 26, 2013, 11:20:06 PM »
Greetings from Amazon Payments:

Each year we send out a notice to every person that has an active Amazon Payments account with important information about our privacy practices and how you can report errors or unauthorized transactions related to your account. This notice is not a bill. 

We appreciate the trust that you have put in Amazon Payments by using our services and want to make sure you're informed about our policies and practices. We know that you care how information about you is used and shared. To help you understand our privacy practices, we have detailed how we collect, use and safeguard your personal and financial information in our Privacy Notice.

Our Unauthorized Transaction Policy describes how you can report to us any billing errors or unauthorized transactions involving the use of your account balance or registered bank account. It also describes our liability and your rights for these types of errors or transactions.

Additionally, we have updated the terms and conditions of our User Agreement that apply to your use of the products and services provided by Amazon Payments.  Our updated User Agreement updates certain terms (including the terms of the bank accounts that we use to hold your balances).  Our new User Agreement will become effective on December 4th, 2013. By continuing to use our services after December 3rd, 2013, you are agreeing to be bound by the terms and conditions of our new User Agreement.

Please take a moment to review our Privacy Notice, Unauthorized Transaction Policy, and User Agreement. They may be found by clicking the User Agreement/Policies link on our web site at payments.amazon.com.

https://payments.amazon.com/help/Personal-Accounts/Privacy-Security/Privacy-Notice
https://payments.amazon.com/help/Personal-Accounts/User-Agreement-Policies/Unauthorized-Transactions-Policy
https://payments.amazon.com/help/Personal-Accounts/User-Agreement-Policies/User-Agreement

If you have questions or concerns about this information, please contact us by signing in to your Amazon Payments account and clicking on the Contact Us link or by writing to us at Amazon Payments, Attn: Compliance, P.O. Box 81226 Seattle, Washington 98108-1226.

Thank you for using Amazon Payments.

Sincerely,

The Amazon Payments Team

Offline churnbabychurn

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Re: Amazon Payments Master Thread
« Reply #2938 on: October 26, 2013, 11:22:32 PM »
Unconvincing.

Anyone with actual proof?
I hope its not true but to be honest, I can't understand whats taking them so long..

Offline smaxber

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