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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 729479 times)

Offline ckmk47

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Offline Moshe123

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Re: Amazon Payments Master Thread
« Reply #2941 on: October 27, 2013, 01:39:49 AM »
Just did a payment. No issues.

Offline HP58

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Re: Amazon Payments Master Thread
« Reply #2942 on: October 27, 2013, 03:18:41 AM »
Just did a payment. No issues.
Yes. Q is if it's gonna change come Dec 4...


Offline Drago

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Re: Amazon Payments Master Thread
« Reply #2944 on: October 27, 2013, 04:08:51 AM »
Already mentioned....
Thanks, deleted

Offline PBaruch

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Re: Amazon Payments Master Thread
« Reply #2945 on: October 27, 2013, 10:49:14 AM »
User terms on AP:

4.3    Transaction Limits. We may delay, suspend or reject a transaction for any Payment Account for any reason, including without limitation if we suspect the transaction subjects us to financial or security risk or is unauthorized, fraudulent, suspicious, unlawful, in violation of the terms of this Agreement, subject to dispute (including without limitation a dispute under our Buyer Dispute Program) or Chargeback, or otherwise unusual.

They can reject a payment for "any reason."  How nice of them.
What do you do after your dreams come true?

Offline CountValentine

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Re: Amazon Payments Master Thread
« Reply #2946 on: October 27, 2013, 11:55:55 AM »
They can reject a payment for "any reason."  How nice of them.
SOP, nothing new.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline ari2955

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Re: Amazon Payments Master Thread
« Reply #2947 on: October 27, 2013, 01:36:29 PM »
Has anybody recently used gift cards and have NOT been shut down?
Gonna be in staples today and wanna know...

Offline cozmohoot

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Re: Amazon Payments Master Thread
« Reply #2948 on: October 27, 2013, 01:49:27 PM »
Has anybody recently used gift cards and have NOT been shut down?
Gonna be in staples today and wanna know...
just make sure you send from an account you don't store money in on the main site. I don't have a direct answer to your question

Offline princea143

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Re: Amazon Payments Master Thread
« Reply #2949 on: October 27, 2013, 04:26:10 PM »
Hello guys!  Thanks so much for the great info.  I'm new here, and I was wondering if the Amazon Payments for travel points is still working currently, and whether or not I should worry about my current Amazon account being flagged or closed if I were to use it with AP.  Should I not even use my normal account and just make a few dummy accounts for this purpose? My wife doesn't have one yet, so I will for sure create an AP account for her.  How many AP accounts at one time (for this point earning process) is in the safe, less detectable zone?  Account candidates for linkage are as follows: I have a Schwab Account under just me, Citi Checking and a few Savings and Money Market accounts, Citi Business Checking and Savings under my business name with me as the authorized user, Chase Checking and Savings accounts under just me, and a local credit union savings account.  My wife only has one Citi joint checking account with me, and nothing else, as I am in charge of the finances.  I just started getting into the travel credit card bandwagon, and now I have a Chase Ink Bold (recently obtained), Chase Sapphire (recent), Chase Freedom, Citi AAdvantage (recent), and 3 Capital One Quicksilvers.  What is the best way of utilizing these cards and bank accounts to max money/points making potential?  At the same time, what is also safe?  I've read the Wiki, yet I'm just being cautious, and would much rather get a current answer from someone, just in case something has changed in the AP policies.  The thread is just so much to go through.  Please help! Thanks!  :D

Offline Super Speed

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Re: Amazon Payments Master Thread
« Reply #2950 on: October 27, 2013, 05:44:26 PM »
Hello guys!  Thanks so much for the great info.  I'm new here, and I was wondering if the Amazon Payments for travel points is still working currently, and whether or not I should worry about my current Amazon account being flagged or closed if I were to use it with AP.  Should I not even use my normal account and just make a few dummy accounts for this purpose? My wife doesn't have one yet, so I will for sure create an AP account for her.  How many AP accounts at one time (for this point earning process) is in the safe, less detectable zone?  Account candidates for linkage are as follows: I have a Schwab Account under just me, Citi Checking and a few Savings and Money Market accounts, Citi Business Checking and Savings under my business name with me as the authorized user, Chase Checking and Savings accounts under just me, and a local credit union savings account.  My wife only has one Citi joint checking account with me, and nothing else, as I am in charge of the finances.  I just started getting into the travel credit card bandwagon, and now I have a Chase Ink Bold (recently obtained), Chase Sapphire (recent), Chase Freedom, Citi AAdvantage (recent), and 3 Capital One Quicksilvers.  What is the best way of utilizing these cards and bank accounts to max money/points making potential?  At the same time, what is also safe?  I've read the Wiki, yet I'm just being cautious, and would much rather get a current answer from someone, just in case something has changed in the AP policies.  The thread is just so much to go through.  Please help! Thanks!  :D
Sorry got 2 lines down and my eyes glazed over...


Offline PBaruch

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Re: Amazon Payments Master Thread
« Reply #2951 on: October 27, 2013, 05:53:30 PM »
Hello guys!  Thanks so much for the great info.  I'm new here, and I was wondering if the Amazon Payments for travel points is still working currently, and whether or not I should worry about my current Amazon account being flagged or closed if I were to use it with AP.  Should I not even use my normal account and just make a few dummy accounts for this purpose? My wife doesn't have one yet, so I will for sure create an AP account for her.  How many AP accounts at one time (for this point earning process) is in the safe, less detectable zone?  Account candidates for linkage are as follows: I have a Schwab Account under just me, Citi Checking and a few Savings and Money Market accounts, Citi Business Checking and Savings under my business name with me as the authorized user, Chase Checking and Savings accounts under just me, and a local credit union savings account.  My wife only has one Citi joint checking account with me, and nothing else, as I am in charge of the finances.  I just started getting into the travel credit card bandwagon, and now I have a Chase Ink Bold (recently obtained), Chase Sapphire (recent), Chase Freedom, Citi AAdvantage (recent), and 3 Capital One Quicksilvers.  What is the best way of utilizing these cards and bank accounts to max money/points making potential?  At the same time, what is also safe?  I've read the Wiki, yet I'm just being cautious, and would much rather get a current answer from someone, just in case something has changed in the AP policies.  The thread is just so much to go through.  Please help! Thanks!  :D

You are way too late to join this party.  It's just about over. 
What do you do after your dreams come true?

Offline PBaruch

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Re: Amazon Payments Master Thread
« Reply #2952 on: October 27, 2013, 07:32:20 PM »
Aww man...I thought so.  :-\  Good I asked before getting the worst of it.  You think it's still worth doing even for a short while?

I'm fairly certain you will get shut down quickly. 
What do you do after your dreams come true?

Offline princea143

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Re: Amazon Payments Master Thread
« Reply #2953 on: October 27, 2013, 07:35:06 PM »
I'm fairly certain you will get shut down quickly.

Ugh...well I guess I'll start doing the Bluebird option.  Do you know any other ones comparable to the Amazon churn?

Offline Dan

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Re: Amazon Payments Master Thread
« Reply #2954 on: October 27, 2013, 07:58:53 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.