Amazon Payments Ending – You May Want to Break the Rules!

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Amazon Payments

Amazon Payments is Ending

In case you have been living in a hole, the Amazon Payments person to person payment service is ending on October 12, 2014. The service has allowed people to send up to $1,000 per month without a fee for over four years now.

Since the beginning of Amazon Payments, many people have tried to find different ways to over-maximize the system. Often times these “techniques” would lead to those people being shut down and losing all of their Amazon Payments accounts. Good for short term gain, but bad in the long term.

The Many Rules of Amazon Payments

Over the years as people have reported their shutdown experiences, a set of rules has developed. The most common rules seem to be:

  • Don’t have multiple accounts in the same name/social security #.
  • Don’t have the same credit card or bank accouont on multiple Amazon Payments accounts.
  • Don’t send money back and forth directly between accounts. (Example: A to B then B to A)

It May Be Time to Break the Rules

With the service ending in a few short days, it may be time to consider breaking the rules! At this point I would imagine anything goes! I know people who have been sending money to themselves, who have setup multiple accounts in their name (it seems to work) and who have comingled cards and accounts. It seemingly doesn’t matter since the service is going dark.

With that said, I am not advocating breaking the rules in order to over-maximize, only reporting that other people I know have been doing it with success. This is a grey area and breaking the rules is a very personal decision.


If you have been following all of the rules of Amazon Payments over the past few years in order to avoid a shutdown, perhaps it is time to consider letting your hair down and breaking some rules. It may just feel good. At least that is what my friends tell me!

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  1. Turns out that the problem was that the new second account did not yet have a verified a bank account linked so it’s receive limit was set to $500. problem fixed….$2k in additional spending accomplished. thanks!

  2. Again I am not advocating anything, but I would highly recommend initiating a withdrawal to checking as soon as you send the money. Technically it could get held up, but that is always a risk when manufacturing spend.

  3. yeah it doesn’t matter if your account gets shut down but don’t your funds get held for 90 days while they review your activity?

  4. hypothetically, how would one pay his/herself? can one setup 2 accounts using the same ss# and then just link each account to a different bank and credit card?

    • Technically you can only get one account per social, however many people have been able to get more than one. If you can, then you would just send money from one account to the other.

    • i setup a 2nd account. it seems that the first $1,000 payment (A to B) went through and is now pending but when I tried to do the reverse (B to A) it wouldn’t let me so perhaps even though it allowed two different accounts it’s still only allows $1,000 per month per Social Security number….

    • Yeah I know many people have done A to B and then B to A and never had a problem. Some people have reported being shut down for it. Like you said, who cares at this point!


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