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).
Sep 3, 2013, 3:10 pm
#2296
Join Date: Apr 2013
Posts: 417
Has anyone tried to use the "problem" US Bank MC card @ Aldi to buy something and then get a cashback?
I have not bought these MC cards in awhile, so I can't try it, but it might be an option for those who have them.
I have not bought these MC cards in awhile, so I can't try it, but it might be an option for those who have them.
Sep 3, 2013, 6:06 pm
#2297
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
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I know people who have a flourishing business and run all of their business expense through their AMEX, INK Bold, and Citi Biz cards who do not do manufactured spend since they are averaging 90K a month through those cards. So there are people who do not have to manufacture spend to get points and miles.
Sep 3, 2013, 6:07 pm
#2298
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
did they post what their avg daily acct balance was before doing the MOs? I can see problems if a person on avg had say a couple of grand in the acct and then bingo is depositing 10s of 1000s. If however they had an avg high 5 figure bal+, and have a top status with that bank. Then Id think its less likely theyd be shut down
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
also it helps by deposting into both asavings and checking acct and not paying off the CC the same day. So if ones plan is to deposit into their checking and the same day or the day it clears (if a person bank puts a hold on their deposits)pay off the CC even before its due, yea thats asking for trouble
Sep 3, 2013, 6:12 pm
#2299
Join Date: Mar 2013
Posts: 809
I know people who have a flourishing business and run all of their business expense through their AMEX, INK Bold, and Citi Biz cards who do not do manufactured spend since they are averaging 90K a month through those cards. So there are people who do not have to manufacture spend to get points and miles.
Sep 3, 2013, 9:37 pm
#2300
Join Date: Oct 2004
Location: BZN
Programs: AA:LT Platinum DL:LT Gold UA:1P MAR:LT Titanium
Posts: 8,291
I know people who have a flourishing business and run all of their business expense through their AMEX, INK Bold, and Citi Biz cards who do not do manufactured spend since they are averaging 90K a month through those cards. So there are people who do not have to manufacture spend to get points and miles.
Sep 4, 2013, 12:20 am
#2301
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Sep 4, 2013, 7:41 am
#2303
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Ok, what do I do? I attempted to load BB last Saturday and the transaction was cancelled. The funds still haven't been returned to my GC. I called them and they said it can take 2-3 biz days. Has it taken that long for any of you? This is my first GC screwup since I've been in the game. I still have receipts for the purchase of the GC, but WM didn't generate one.
Sep 4, 2013, 7:49 am
#2304
Join Date: Apr 2013
Posts: 417
Ok, what do I do? I attempted to load BB last Saturday and the transaction was cancelled. The funds still haven't been returned to my GC. I called them and they said it can take 2-3 biz days. Has it taken that long for any of you? This is my first GC screwup since I've been in the game. I still have receipts for the purchase of the GC, but WM didn't generate one.
Sep 4, 2013, 9:48 am
#2306
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
Ok, what do I do? I attempted to load BB last Saturday and the transaction was cancelled. The funds still haven't been returned to my GC. I called them and they said it can take 2-3 biz days. Has it taken that long for any of you? This is my first GC screwup since I've been in the game. I still have receipts for the purchase of the GC, but WM didn't generate one.
Sep 4, 2013, 10:15 am
#2307
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Thanks for all of the replies.
Sep 4, 2013, 10:19 am
#2308
Join Date: Aug 2004
Location: Seattle
Programs: United Airlines Premier, Starwood Gold Preferred Guest, Hyatt Gold Passport, Club Carlson Gold
Posts: 356
Ok, what do I do? I attempted to load BB last Saturday and the transaction was cancelled. The funds still haven't been returned to my GC. I called them and they said it can take 2-3 biz days. Has it taken that long for any of you? This is my first GC screwup since I've been in the game. I still have receipts for the purchase of the GC, but WM didn't generate one.
Sep 4, 2013, 7:10 pm
#2309
Join Date: Feb 2013
Posts: 170
TheDapperDon- You may look at my post #2205 in same thread how I experienced similar issue and actions taken.
Sep 4, 2013, 10:11 pm
#2310
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762