Jun 22, 2013, 10:42 am
Last edit by: ChrisFlyer66
There is a new thread for 2017: http://www.flyertalk.com/forum/manufactured-spending/1819569-pin-available-now-visa-mc-prepaid-debit-cards-2017-a.html
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
- MetaBank VISA or Sunrise VISA -use the last four digits of the card number (or to set personal PIN call 888-524-1283)
- US Bank VISA and Mastercard - Newer cards come with a PIN printed on cardstock inside the package. To set/reset PIN, call 866-952-5653. One person reports: VISA that has pre-set PIN locks PIN on first use if not previously reset; always call to set PIN before use. If you forget to reset the pin and you can't unload the funds to your BB, call the toll free # and ask rep. to "reset" the card and they will do some magic and you should then be able to unload the funds at WM.
- Vanilla VISA and OneVanilla(not MyVanilla, etc) - selection of 4 digits on the first transaction becomes the PIN
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
PIN available now for Visa/MC prepaid debit cards(2013-2016).
Jul 29, 2013, 3:30 pm
#2071
Join Date: May 2005
Programs: UA Plat (1MM), AA Plat, HH Diamond, MR Plat, Hyatt Diamond, SPG Plat.
Posts: 655
'debit not available appr. Code = 75'
Has anybody figured out what code 75 means?
'DEBIT NOT AVAILABLE APPR. CODE = 75'
'DEBIT NOT AVAILABLE APPR. CODE = 75'
When I was having problems with the Celebrate USB MC I got all sorts of codes. The ones that I kept included 2x 65, 2x 51, and 1x 76.
According to this site:
https://hostedcheckout.zendesk.com/e...odes-FI-Codes-
65 = ACTIVITY LIMIT EXCEEDED
51 = INSUFFICIENT FUNDS
76 = UNABLE TO LOCATE, NO MATCH (or maybe INSUFFICIENT FUNDS)
According to this site:
https://hostedcheckout.zendesk.com/e...odes-FI-Codes-
65 = ACTIVITY LIMIT EXCEEDED
51 = INSUFFICIENT FUNDS
76 = UNABLE TO LOCATE, NO MATCH (or maybe INSUFFICIENT FUNDS)
Jul 29, 2013, 4:29 pm
#2072
Join Date: Mar 2012
Posts: 784
deleted
Last edited by wcj; Jun 29, 2014 at 4:05 pm
Jul 29, 2013, 8:27 pm
#2073
Join Date: May 2005
Programs: UA Plat (1MM), AA Plat, HH Diamond, MR Plat, Hyatt Diamond, SPG Plat.
Posts: 655
So I reset the PINs on my 2 MC gift cards from Staples ($200 each, US Bank). One worked and was successfully loaded onto Gobank card, the other card got me a code 75 again - and this was the first time I used it after resetting the PIN!
MC giftcard is not easy to work with.
Jul 29, 2013, 10:18 pm
#2074
Join Date: Jul 2011
Programs: UA,SPG,Carlson,Hertz
Posts: 151
I am playing cat and mouse game with Walmart money center. One of the cashiers, Cassandra, is the cat. She told me that we doesn't allow gc purchase on MO. The next time I saw her, she asked to see my 3 debit cards before proceeding the order. After showing the cards, I switched the cards to GCs. The order went through. She said the next time she sees me, she will swipe the cards herself. Since then, I have been checking to see if Cassandra is there, I go home. No her, I order MOs without any question. Sigh. Time to be familiar with her work schedule.
Jul 29, 2013, 10:31 pm
#2075
Join Date: Jul 2013
Posts: 204
I am playing cat and mouse game with Walmart money center. One of the cashiers, Cassandra, is the cat. She told me that we doesn't allow gc purchase on MO. The next time I saw her, she asked to see my 3 debit cards before proceeding the order. After showing the cards, I switched the cards to GCs. The order went through. She said the next time she sees me, she will swipe the cards herself. Since then, I have been checking to see if Cassandra is there, I go home. No her, I order MOs without any question. Sigh. Time to be familiar with her work schedule.
Money centers usually close around 11pm. I go after 9pm to get the late shift guy who could care less what I use.
Jul 29, 2013, 11:00 pm
#2076
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
I am playing cat and mouse game with Walmart money center. One of the cashiers, Cassandra, is the cat. She told me that we doesn't allow gc purchase on MO. The next time I saw her, she asked to see my 3 debit cards before proceeding the order. After showing the cards, I switched the cards to GCs. The order went through. She said the next time she sees me, she will swipe the cards herself. Since then, I have been checking to see if Cassandra is there, I go home. No her, I order MOs without any question. Sigh. Time to be familiar with her work schedule.
Jul 30, 2013, 12:31 am
#2077
Join Date: Jul 2013
Posts: 204
Banned? Just because she saw a pattern you were banned? Wow. Quite ridiculous.
Jul 30, 2013, 5:50 am
#2078
Suspended
Join Date: Nov 1999
Posts: 24,153
I much prefer having a single mgr do this then WM to hard code all their regs and kyosks. Depending where a person lives this may put them out of biz, but in most cases all it means is driving an extra 20-30 mins at most to another WM. If it was me Id just stay out of that 1 WM and let that mgr win, since I win also by going to another WM and continuing on
Jul 30, 2013, 5:57 am
#2079
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Agreed
Switch wms
Go back to wmt 1 in like 6 months and you may have a whole new staff
Switch wms
Go back to wmt 1 in like 6 months and you may have a whole new staff
Jul 30, 2013, 7:38 pm
#2080
Join Date: May 2013
Posts: 1,153
How is this ban enforced? Only when she sees you?
Jul 31, 2013, 9:29 am
#2082
Join Date: Jul 2013
Posts: 3
Do you see the difference between your attempt at WM and your success at Kroger? WM knew you were trying to use visa debit cards. Why in the world you would tell them, I don't understand. This is just like the lady I saw a couple of weeks back call the manager over because she couldn't get a MO from the kiosk with her stack of GCs, prominently displayed on the machine. She made absolutely no attempt to do it on her own, just called the manager over......Surprisingly, she was unable to do...... The employees, can and will decline them for you. Just tell them you are using a debit card and it works fine. Go back and try again
Either way, since Kroger/Frys allows me to do this, I'll just continue to go there.
Some had asked about my using this DEBIT card to get cash back on a purchase. I think it was the same one issued by US Bank... but it only worked back in June. I haven't seen this work since. They may have closed up that loophole.
Jul 31, 2013, 3:15 pm
#2083
Join Date: Apr 2013
Posts: 260
I am playing cat and mouse game with Walmart money center. One of the cashiers, Cassandra, is the cat. She told me that we doesn't allow gc purchase on MO. The next time I saw her, she asked to see my 3 debit cards before proceeding the order. After showing the cards, I switched the cards to GCs. The order went through. She said the next time she sees me, she will swipe the cards herself. Since then, I have been checking to see if Cassandra is there, I go home. No her, I order MOs without any question. Sigh. Time to be familiar with her work schedule.
Jul 31, 2013, 4:15 pm
#2084
Join Date: Mar 2012
Posts: 784
deleted
Last edited by wcj; Jun 29, 2014 at 4:05 pm
Jul 31, 2013, 4:42 pm
#2085
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
So today went to WM to load the BB, and to my surprise the home screen on the kiosk looked different. There is a bottom for "Bluebird" as well as "Money Order", however, the machine wouldn't work, after I swiped my BB card the system froze. An employee informed me that it hasn't work since they "updated it" and they were expecting someone to come look at it later on today. Went over the customer service center and a kid helped me with no problems. My goal is start buying MO's this week hopefully the kiosk is working and I can buy them from the machine.