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You can send up to $1,000/month directly from your CCs or GCs, and receive the same amount, which can then be withdrawn to your bank account.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 1122640 times)

Offline yuneeq

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Re: Amazon Payments Master Thread (Poll)
« Reply #5160 on: August 31, 2014, 12:06:01 AM »
Last day of the month...
Visibly Jewish

Offline askmoses

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Re: Amazon Payments Master Thread (Poll)
« Reply #5161 on: August 31, 2014, 01:04:44 AM »
how do you appeal to the closure of an account?
persistent calling and emailing

Offline fafa123

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Re: Amazon Payments Master Thread (Poll)
« Reply #5162 on: August 31, 2014, 04:22:52 PM »
Anyone ever use AP to load serve as a debit?  Saw this one someone's blog (although I had trouble finding it now that I wanted to post a link).

Offline avadah

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Re: Amazon Payments Master Thread (Poll)
« Reply #5163 on: August 31, 2014, 05:41:11 PM »
Is it a problem if I send money to an account and receive it on the same IP address?

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5164 on: August 31, 2014, 05:52:53 PM »
Is it a problem if I send money to an account and receive it on the same IP address?
WIYF. "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"
Just use a proxy and change your IP address

Offline TimT

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Re: Amazon Payments Master Thread (Poll)
« Reply #5165 on: August 31, 2014, 06:07:45 PM »
Is it a problem if I send money to an account and receive it on the same IP address?
Big no-no

Offline AnonymousUser

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Re: Amazon Payments Master Thread (Poll)
« Reply #5166 on: August 31, 2014, 08:29:09 PM »
Anyone ever use AP to load serve as a debit?  Saw this one someone's blog (although I had trouble finding it now that I wanted to post a link).
I do it every month. As a bank account, not debit.

Online etech0

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Re: Amazon Payments Master Thread (Poll)
« Reply #5167 on: August 31, 2014, 08:35:18 PM »
I do it every month. As a bank account, not debit.
What's the advantage? Why not just withdraw the $ into your bank?
Workflowy. You won't know what you're missing until you try it.

Offline AnonymousUser

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Re: Amazon Payments Master Thread (Poll)
« Reply #5168 on: August 31, 2014, 09:27:58 PM »
What's the advantage? Why not just withdraw the $ into your bank?
I have more AP accounts then I have bank accounts, and i don't want to double up.

Offline AnonymousUser

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Re: Amazon Payments Master Thread (Poll)
« Reply #5169 on: August 31, 2014, 09:28:18 PM »
I have more AP accounts than I have bank accounts, and i don't want to double up.

Online etech0

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Re: Amazon Payments Master Thread (Poll)
« Reply #5170 on: August 31, 2014, 09:29:19 PM »
I have more AP accounts then I have bank accounts, and i don't want to double up.
:)
Workflowy. You won't know what you're missing until you try it.

Offline Novo

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Re: Amazon Payments Master Thread (Poll)
« Reply #5171 on: September 01, 2014, 12:10:41 AM »
Just got the pending massage, the WIKI says it's normal, still accurate?

If it will go thru, will it count for Aug. or Sept.?
I try my best :-\
Quote from: Centro
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If you wanna go far, go together

Offline Moshe123

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Re: Amazon Payments Master Thread (Poll)
« Reply #5172 on: September 01, 2014, 12:33:33 AM »
Old month IME AFAIR.

Offline Novo

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Re: Amazon Payments Master Thread (Poll)
« Reply #5173 on: September 01, 2014, 01:00:45 AM »
Old month IME AFAIR.
For the receiver too?
I try my best :-\
Quote from: Centro
If you wanna go fast, go alone
If you wanna go far, go together

Offline avadah

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Re: Amazon Payments Master Thread (Poll)
« Reply #5174 on: September 01, 2014, 04:02:10 AM »
Just use a proxy and change your IP address
Not sure how to do that. I use a net stick.

Is it only a problem sending and receiving from the same IP or even making changes to the account (like adding cc) is a problem?

Does the billing address need to be accurate?
« Last Edit: September 01, 2014, 04:43:12 AM by avadah »

Offline Emkay

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Re: Amazon Payments Master Thread (Poll)
« Reply #5175 on: September 01, 2014, 05:06:36 AM »

Not sure how to do that. I use a net stick.

Is it only a problem sending and receiving from the same IP or even making changes to the account (like adding cc) is a problem?

Does the billing address need to be accurate?
in my opinion the whole IP thing is not a problem. It's unnecessary precaution and call me crazy but I think it's counter productive

Offline Emkay

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Re: Amazon Payments Master Thread (Poll)
« Reply #5176 on: September 01, 2014, 05:48:56 AM »

Offline D93

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Re: Amazon Payments Master Thread (Poll)
« Reply #5177 on: September 01, 2014, 06:49:15 AM »
in my opinion the whole IP thing is not a problem. It's unnecessary precaution and call me crazy but I think it's counter productive
why would it be counter productive? It definitely can't hurt

Online ckmk47

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Re: Amazon Payments Master Thread (Poll)
« Reply #5178 on: September 01, 2014, 10:58:49 AM »
basing this on?
Way back in this thread, it seemed people were shut down because of using the same IP.  I'm not looking it up now, but that was when the 'rule' was established.
My favorite cause: cssy.org

Offline Emkay

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Re: Amazon Payments Master Thread (Poll)
« Reply #5179 on: September 01, 2014, 11:03:17 AM »


It definitely can't hurt

Is that a statement?