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).
Aug 23, 2013, 6:36 am
#2221
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
My last GC I had to swipe 3 times on the Walmart Kiosk to get to work, kept on saying payment declined, but eventually worked.
Aug 24, 2013, 3:08 pm
#2222
Join Date: Nov 2005
Programs: DL, AA, UA, US, SW, Marriott Plat, Hyatt Plat, PC Plat, SPG Gold, HHonors
Posts: 236
deleted.
Aug 24, 2013, 5:38 pm
#2223
Join Date: Mar 2006
Location: SAN
Programs: DL MM, Marriott LT Titanium, AA EXP, Avis Chairmans
Posts: 1,399
Three of my four GCs today were declined. These were Vanilla Visa. "Debit not available" even though I entered the right PIN and all funds were on the account. I checked online and it shows $500 being debited from WalMart, then a refund of $500. Never had this happen before. I was buying MO's, not loading BB.
Aug 24, 2013, 6:20 pm
#2224
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
This has happened to some people before. I had a successful load today at Walmart
Aug 25, 2013, 12:17 am
#2226
Join Date: Jun 2013
Posts: 1,060
I will say that this thread FREAKED me out. I had 10K in chase VGC. I went to my local grocery store and transformed all of them into paper. Something sounds wrong with your PIN, or your monthly limits.
Aug 25, 2013, 2:09 am
#2227
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
Three of my four GCs today were declined. These were Vanilla Visa. "Debit not available" even though I entered the right PIN and all funds were on the account. I checked online and it shows $500 being debited from WalMart, then a refund of $500. Never had this happen before. I was buying MO's, not loading BB.
Aug 25, 2013, 5:32 am
#2228
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,449
Did you do this with a clerk? If so, I'm guessing that the clerk didn't key in properly. This happened to me yesterday. The clerk knew what to do and the first 3 $500 GCs went fine, but she got a call, was distracted and didn't key in before the 4th card, and I thought she had. The card was rejected twice and so was another card I tried until she realized what hadn't happened and corrected it. I got my 2 MOs, but had to check which of the first 4 cards wasn't processed, because I had stuck them all into my pocket together.
Aug 25, 2013, 7:10 am
#2229
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Necessities for MSing:
Sharpie
Small pouch in car to keep spent items and receipts
Rubber bands to wrap gcs and receipts once used
Pen
Calculator on phone
Extra deposit slips from many banks
Cargo shorts or many pockets or multi sectioned hand bag
A system of which pocket does what
Running shoes to chase or flee
Signature and printed name stamps
And other things Jason Bourne might use
Sharpie
Small pouch in car to keep spent items and receipts
Rubber bands to wrap gcs and receipts once used
Pen
Calculator on phone
Extra deposit slips from many banks
Cargo shorts or many pockets or multi sectioned hand bag
A system of which pocket does what
Running shoes to chase or flee
Signature and printed name stamps
And other things Jason Bourne might use
Aug 25, 2013, 7:58 am
#2230
Join Date: Feb 2013
Posts: 170
I do not discard used VGC cards so early. I wait until the money from account to which VGC is loaded is sent through bill pay and the bill pay balance is successfully paid off.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
Aug 25, 2013, 8:09 am
#2231
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
I do not discard used VGC cards so early. I wait until the money from account to which VGC is loaded is sent through bill pay and the bill pay balance is successfully paid off.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
I keep them in a small box by my home office desk for a month. That box has all the stuff I did for that month, like VRs, etc.
Then I put all of it in bins in my basement where I have storage.
I also keep these bins for of all things miles and points so that one day I can be cool by displaying them at some FT DO like MMS might lol and we can all say, yeah I remember that GC! Did you get some too?
Although as stated elsewhere, I have in fact placed loads of spent GCs into my walls when constructing the basement living room so that one day like 75 years from now someone will do some demo or remodel and find them and go wow wth was THIS guy into! I also have plenty of other memorabilia in there like newspaper articles, Red Sox stuff from the 2004 WS, and even some extra drawings my kids made (we have saved most of them but some had to be archived like this!). If anyone needs a VR that hasn't been used yet, I snagged one from a CVS and stuck it into a concrete form I poured last week to shore up the bulkhead. It is now inside the middle of a 2'x4' block of solid concrete but like I said, it aint been used yet so have at! Bring a sledge hammer and some beers lol
Aug 25, 2013, 9:11 am
#2232
Join Date: Oct 2004
Location: BZN
Programs: AA:LT Platinum DL:LT Gold UA:1P MAR:LT Titanium
Posts: 8,289
Necessities for MSing:
Sharpie
Small pouch in car to keep spent items and receipts
Rubber bands to wrap gcs and receipts once used
Pen
Calculator on phone
Extra deposit slips from many banks
Cargo shorts or many pockets or multi sectioned hand bag
A system of which pocket does what
Running shoes to chase or flee
Signature and printed name stamps
And other things Jason Bourne might use
Sharpie
Small pouch in car to keep spent items and receipts
Rubber bands to wrap gcs and receipts once used
Pen
Calculator on phone
Extra deposit slips from many banks
Cargo shorts or many pockets or multi sectioned hand bag
A system of which pocket does what
Running shoes to chase or flee
Signature and printed name stamps
And other things Jason Bourne might use
Aug 25, 2013, 9:50 am
#2233
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Aug 25, 2013, 12:31 pm
#2234
Join Date: Dec 2011
Posts: 375
I do not discard used VGC cards so early. I wait until the money from account to which VGC is loaded is sent through bill pay and the bill pay balance is successfully paid off.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
I donot want to lose cards and their receipts to run into a risk of any reversal of credit and create traceability difficulty.
Aug 25, 2013, 7:27 pm
#2235
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
I guess I'm the only one who throws all his gift cards out after the money is in the bank.
