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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122603 times)

Offline cozmohoot

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2012
  • Posts: 4440
  • Total likes: 95
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: NY
Re: Amazon Payments Master Thread
« Reply #3000 on: October 28, 2013, 04:10:28 PM »
I had 1 AP account for my father and opened a 2nd one for him.  They closed the 2nd one but kept the 1st one open.  I also have 2 AP accounts in my name and so far its all clear.  However, I did not send from my 2nd acc't this month.
on ur pops closed acct does amazon.com work?
i never made more than 1 account per person.

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 6887
  • Total likes: 62
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Amazon Payments Master Thread
« Reply #3001 on: October 28, 2013, 04:14:20 PM »
Would hide my ass help with that?
Love me or hate me. I still love you.

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3002 on: October 28, 2013, 04:18:12 PM »
on ur pops closed acct does amazon.com work?
i never made more than 1 account per person.

I just logged into amazon.com using the credentials for the closed AP account.  I am able to log in and it looks like orders will work.
What do you do after your dreams come true?

Offline cozmohoot

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2012
  • Posts: 4440
  • Total likes: 95
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: NY
Re: Amazon Payments Master Thread
« Reply #3003 on: October 28, 2013, 04:22:18 PM »
I just logged into amazon.com using the credentials for the closed AP account.  I am able to log in and it looks like orders will work.
interesting. thats not the case for mine.
i get this "There was a problem with your request
There was an error with your E-Mail/Password combination. Please try again."

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3004 on: October 28, 2013, 04:36:10 PM »
interesting. thats not the case for mine.
i get this "There was a problem with your request
There was an error with your E-Mail/Password combination. Please try again."

Tried again - no problems logging in and getting to an order to the point where it asks for CC info.
What do you do after your dreams come true?

Online CountValentine

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 15787
  • Total likes: 7316
  • DansDeals.com Hat Tips -1
  • Gender: Female
    • View Profile
  • Location: Poland - Exiled
  • Programs: DAOTYA, DDF Level 3, 5K Lounge
Re: Amazon Payments Master Thread
« Reply #3005 on: October 28, 2013, 04:59:49 PM »
Would hide my ass help with that?
Using a proxy could be a red flag.
Only on DDF does 24/6 mean 24/5/half/half

Offline notanonymous

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2111
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amazon Payments Master Thread
« Reply #3006 on: October 28, 2013, 05:04:25 PM »
Using a proxy could be a red flag.
Maybe not if it is a US IP.

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3007 on: October 28, 2013, 05:09:56 PM »
Maybe not if it is a US IP.

As long as its not a Poland IP you will be ok.   :P
What do you do after your dreams come true?

Offline hertzinstl

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2013
  • Posts: 468
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amazon Payments Master Thread
« Reply #3008 on: October 28, 2013, 05:16:55 PM »
interesting. thats not the case for mine.
i get this "There was a problem with your request
There was an error with your E-Mail/Password combination. Please try again."
Maybe you typed in the wrong password ...

Offline cozmohoot

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2012
  • Posts: 4440
  • Total likes: 95
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: NY
Re: Amazon Payments Master Thread
« Reply #3009 on: October 28, 2013, 05:41:05 PM »
Maybe you typed in the wrong password ...
nope. thats 1 of their ways of saying you have shut down

Offline bobthebuilder

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2013
  • Posts: 492
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Programs: Motel 6 elite
Re: Amazon Payments Master Thread
« Reply #3010 on: October 28, 2013, 05:50:38 PM »
nope. thats 1 of their ways of saying you have shut down
Really? now if i ever type my password wrong im gona get nervious

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3011 on: October 28, 2013, 05:52:06 PM »
Really? now if i ever type my password wrong im gona get nervious

Don't worry about something unless and until it gives you something to worry about.  I think everyone needs to calm down and just be a bit more cautious. 
What do you do after your dreams come true?

Offline hertzinstl

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2013
  • Posts: 468
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amazon Payments Master Thread
« Reply #3012 on: October 28, 2013, 05:55:42 PM »
Don't worry about something unless and until it gives you something to worry about.  I think everyone needs to calm down and just be a bit more cautious.
How should we be more cautious? Stop using it for what it's worth?

Offline bobthebuilder

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2013
  • Posts: 492
  • Total likes: 3
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Programs: Motel 6 elite
Re: Amazon Payments Master Thread
« Reply #3013 on: October 28, 2013, 05:56:00 PM »
Don't worry about something unless and until it gives you something to worry about.  I think everyone needs to calm down and just be a bit more cautious.
My biggest fear is my acc will freeze with a large amount of $$$ in it

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3014 on: October 28, 2013, 05:58:17 PM »
My biggest fear is my acc will freeze with a large amount of $$$ in it

Why are you keeping $$$ in your AP account?  I immediately disburse to my bank account.  And if you are referring to freezing after sending or receiving, I was allowed to disburse $$ to my bank after they froze the account.
What do you do after your dreams come true?

Offline hertzinstl

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2013
  • Posts: 468
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amazon Payments Master Thread
« Reply #3015 on: October 28, 2013, 06:10:14 PM »
Has anyone's account been closed after/because they sent $ from a cc?

Offline milechazzer

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jun 2010
  • Posts: 756
  • Total likes: 10
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: Amazon Payments Master Thread
« Reply #3016 on: October 28, 2013, 07:05:19 PM »
Why are you keeping $$$ in your AP account?  I immediately disburse to my bank account.  And if you are referring to freezing after sending or receiving, I was allowed to disburse $$ to my bank after they froze the account.

My account was frozen after a withdrawal request. First they just said that the withdrawal failed. Then they wouldn't let me make any changes, or try the withdrawal again. A couple of days later, they cut off access to the account. Three weeks later, they sent their first communication informing me that my account has been permanently closed. I've sent a few emails inquiring about my balance, but they have not responded at all.

Offline hertzinstl

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2013
  • Posts: 468
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Amazon Payments Master Thread
« Reply #3017 on: October 28, 2013, 07:07:27 PM »
My account was frozen after a withdrawal request. First they just said that the withdrawal failed. Then they wouldn't let me make any changes, or try the withdrawal again. A couple of days later, they cut off access to the account. Three weeks later, they sent their first communication informing me that my account has been permanently closed. I've sent a few emails inquiring about my balance, but they have not responded at all.
Why do you think your account was frozen?

Offline PBaruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2269
  • Total likes: 296
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: HutzNPlutz
Re: Amazon Payments Master Thread
« Reply #3018 on: October 28, 2013, 07:07:33 PM »
My account was frozen after a withdrawal request. First they just said that the withdrawal failed. Then they wouldn't let me make any changes, or try the withdrawal again. A couple of days later, they cut off access to the account. Three weeks later, they sent their first communication informing me that my account has been permanently closed. I've sent a few emails inquiring about my balance, but they have not responded at all.

I would threaten a lawsuit and/or sent them a lawyers letter.
What do you do after your dreams come true?

Offline milechazzer

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jun 2010
  • Posts: 756
  • Total likes: 10
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: Amazon Payments Master Thread
« Reply #3019 on: October 28, 2013, 07:26:54 PM »
I would threaten a lawsuit and/or sent them a lawyers letter.

I put that in an email too. Still no response. Pretty mindboggling....