Posts by Andrew Wells58

Lisa Perez50 said:Has anyone here actually tried dropping a massive amount of cash at a terminal? I’ve been reading that the limit is $1667 max.
Is there any chance PayPal might flag the transaction and freeze my funds—kind of like how Chime can be such a headache—or will the merchant just start complaining about the amount?

I think the limit per transaction at the register is $667, but you can technically make multiple deposits throughout the day. Personally, though, I probably wouldn't rely on doing that more than twice. I'm pretty sure there are monthly limits too, so I wouldn't suggest trying to push large sums through Cash App. You do you.

Joseph Turner36 said:Is there actually any real difference in how they work—between the Topps card, which is free by the way—and the standard Cash App card?

Maybe it's about whether they're accepted on Curve, or if you can use them to pay on sites like Powerball...?

I'm not really sure if the features differ much. Honestly, I just skipped getting one because I didn't want my bank statements flagging me in group chats with the chronic gamblers.

silentskipper3 said:Does their card actually work at retail stores without any issues? I mean, just your typical grocery chains, food markets, and stuff like that.

It works fine for me.

Kevin Morris12 said:So, am I the only one having trouble? Is it impossible to add this Venmo card to either Curve or Cash App?

And is it just me, or is it flagging a USA country BIN?

I managed to add mine to Cash App, I didn't really check which BIN I had.

analogjackal11 said:So, was depositing cash into PayPal through the Associated Press always free, or is this just some kind of "introductory period" thing before they start hitting us with fees?

As far as I know, it’s always been free—at least during the last year since I started using it. I guess there's no real guarantee it'll stay that way forever, though. On the other hand, it doesn't seem likely they'd suddenly add a fee. If they did, you could just stop using it. It's not like you're stuck with monthly service fees for Venmo like you are with a big bank.

Has anyone else run into issues using their PayPal card for online shopping lately? I was trying to grab something through a link, but I tried twice and both times—nothing. It just wouldn't go through.

I think they’re using an AT&T gateway for their payment processing.

Is there actually a limit on how much cash I can deposit in a single day? (I know one transaction usually tops out at $2k, but is it okay to just make multiple deposits?)

Lawrence Hall10 said:First off, just wanted to update everyone: I sent an email to PayPal requesting they restore my balance to its state prior to that phantom withdrawal, following some legal advice. There are specific laws governing this kind of thing.
After a bit of waiting, they actually got back to me and returned the funds, so everything is settled now.
Phew... I was already picturing myself checking out early from life when I told my wife about it.

I went back through some old statements and realized they have PDF versions available now, so that was my own oversight. If I had needed them urgently a few days ago, they wouldn't have been there and I would've been stuck, but I needed hard copies as proof for daycare and stuff. Usually, when I use PayPal, I stick to bills I can verify instantly online, like Exelon or my phone provider.

The Keks Pay thing just popped into my head because I was in a rush. My insurance company had this great discount running, and it was the very last day of the promotion. On the insurance site, there was only a QR code, no standard barcode... so I somehow convinced myself I could make it work in my head. 🤦
But honestly, it shouldn't even matter... My logic was: I make the payment, it goes through, and then a few days later I see it was reversed and re-processed. But the insurance company never actually received the money, and there's no record of any successful payment in Keks Pay—just a notification that it was voided. Meanwhile, the PayPal app is showing these bizarre, nonsensical transactions. Where the hell did the money go? 😵
In my opinion, the aircash MASTERCARD should at least allow you to view all transaction details properly.

To be honest, I still don't quite grasp exactly how you pulled that off, or why PayPal is your main focus here. If you paid from PayPal to Keks, and then from Keks to the insurance company, but the insurance company never got paid, I guess you'd look at the Keks side first. Maybe I just didn't fully follow your whole balancing act. 😁

But generally speaking, yeah, all these fintech companies feel more like amateur radio clubs than actual financial institutions to me. They have their useful and practical sides, sure, but I probably wouldn't trust them with any significant amounts of cash. If I ever had it, maybe... 😬

mistydrifter56 said:Like this QR code.

I guess I’m talking generally about paying through online stores, rather than just settling utility bills.

From what I gather, no. And honestly, I don't think it's even necessary. It seems to me that Cash App probably has deals with the companies you pay your bills to. So, I guess it isn't really about scanning a code, but more about which companies Cash App chooses to let you pay without extra fees and which ones they don't.

It’s kind of like having a Chime or Revolut account—if there isn't a cost just to keep it open, I don't see much point in bothering with it. It isn't like those big traditional banks where they charge you every single month just for the privilege of letting them mess around with your money. You end up paying for the "tech innovation" of their website or mobile app, then a fee for your monthly statement, and then...

analogwalker2 said:Look, like I mentioned in my very first post—I haven't actually pulled the trigger on buying the card yet! I want to figure out how the whole thing works first, which is exactly why I decided to ask around here and see if anyone has any actual experience with it.
When I clicked on Scan and Pay, it asked me for permission to access the camera,

But you were already told that you don't even need a physical card to pay by scanning; you just need to download the free app.

cosmicskipper9 said:Quick question for anyone who picked up a Capital One card at a convenience store. What exactly came in the package? Did you get a PIN or an account number included?

I guess you just check the app for your PIN.

what kind of account number??

ironcyclist58 said:You’ve gotta top up beforehand, but I don't see why that would be such a headache... takes two seconds. Just load the exact amount you need onto the card and pay the bill right after. No point in leaving anything sitting on the balance...

He probably just doesn't feel like doing the math to figure out the exact amount.😁

Ronald Barrett36 said:Still having issues with 3DS authorization. But hey, I’m probably just a special case.

When you're buying stuff online with a credit card, what should you put for the billing info—like the name and address?

ironcyclist58 said:If you just crack open an Oreo, then you don't even have to worry about it.

Oh, perfect, I just ordered them. Thanks!

Andrew Wells58 said:I guess I'll take another look at it then. Thanks.

Okay, if I'm following you correctly, you have to link an Oreo to your bank account if you want to access your cash, whereas Cash App works independently of that.

ironcyclist58 said:The first option really ought to be better since there are no fees. Meanwhile, American Express hits you with pretty hefty charges just for sending or withdrawing money.

I guess I'll take another look at it then. Thanks.

John Phillips22 said:It feels like AirCash nailed their marketing by targeting people who aren't exactly tech-savvy. You just pick up a card for a few bucks at a News Corp outlet or a local gas station and use it whenever. They’ve clearly pulled in a crowd that doesn't want the hassle of setting up accounts with foreign fintech firms, adding cards to Google Pay, or even understanding what a virtual card is—they just want to shop online without risking their main checking account. Now, most of those people are probably considering opening a full account. Even my 65-year-old mother asked me to set one up for her so she could use it too. 🙂For that demographic, it might actually be a solid, straightforward option. Sure, the effort to use a real fintech app is minimal, but this feels more accessible and easier to grasp. Their marketing is decent; now they just need to fix the app before users lose interest and bail

I don't know, I actually signed up for American Express a while ago because it’s handy for receiving small transfers, like reimbursements or stuff from Craigslist. You can top it up at any local newsstand, a gas station, or just grab cash at a JP Morgan Chase ATM or a convenience store. As for the card, I'll have to see. It sounds interesting if I can use it on AliExpress, PayPal, and things like that. Maybe it's good for kids' pocket money when they go out, though I'm not sure if they can open accounts themselves.

I liked it better than Chime, honestly, mostly because setting up the account was faster and easier. Though, I didn't spend a ton of time digging into how Chime works.

Basically, it’s nothing to write home about, but for me, it handles some of my practical needs quite well.

analogjackal11 said:My first attempt at topping up Venmo:

1. The New York Times - They won't accept the QR code, looks like their system is acting up or something.
2. Local Newsstand - I couldn't even pay with cash there, even though the location is clearly listed on Venmo.

🤦

I haven't really run into any issues with deposits so far, so maybe things just took a turn for the worse recently.

So, how does this actually work? Is whatever I have on my AirCash already loaded onto my card, or do I need to manually transfer it and deal with some kind of transaction fee?