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).
Apr 5, 2013, 7:23 am
#16
Join Date: Mar 2013
Posts: 5
I tried to use Vanilla Visa Gift Card as debit in Aldi couple of days ago, but the terminal rejected with some error code.
Last edited by mia; Apr 5, 2013 at 8:35 am
Apr 5, 2013, 7:41 am
#17
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Looks like you can add a PIN for ordinary Vanilla GCs. Wondering if anyone has tried the PIN feature w. BB/Walmart or money orders, thanks
https://www.vanillavisa.com/home.htm...ard&csrfToken=
https://www.vanillavisa.com/home.htm...ard&csrfToken=
Last edited by Bender464; Apr 5, 2013 at 9:13 am Reason: Combine consecutive replies. Repair formatting.
Apr 5, 2013, 8:40 am
#18
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Is anyone a little apprehensive about entering your gift card information at this site? Seems like you're just handing someone all the information they need to shop on-line with your gift card. Is anyone familiar with the web site?
Apr 5, 2013, 9:00 am
#19
Join Date: Aug 2010
Posts: 327
That's the website from the back of the GC to register!
Apr 5, 2013, 9:10 am
#20
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Oh good , that makes me feel much better. I *really* tried to read the fine print but my eyes couldn't focus on print that small and I don't have a magnifying glass 
So I tried the site -- no dice with adding a PIN. Could only register the card.
So I tried the site -- no dice with adding a PIN. Could only register the card.
Last edited by MDWCommuter; Apr 5, 2013 at 9:18 am
Apr 5, 2013, 9:15 am
#21
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Apr 5, 2013, 9:18 am
#22
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Apr 5, 2013, 9:58 am
#23
Join Date: Dec 2009
Posts: 89
If X is BB, then that will cost you fee for GC + fee for VR. In that case why not just do straight GC w/PIN --> BB via Walmart? That will save you one fee. Even if X is something else, you will always have that second fee when you get the VR.
Thanks.
Apr 5, 2013, 10:20 am
#24
Join Date: Nov 2011
Posts: 450
You can buy these at Kroger and get gas points which offsets the 5.95 fee as long as you get 12 gallons or more when you fill up (assuming $500 GC purchased). Then liquidate at Walmart buying MO like OP suggested.
Apr 5, 2013, 11:23 am
#25
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Keep in mind that Kroger doesn't give fuel points on cards greater than $100 bucks. A good rewards card is the better play here. I think a couple have already been mentioned.
Apr 5, 2013, 11:35 am
#26
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Not to mention that you can offset the fee or make a profit if you have cards that get grocery awards.
Keep in mind that Kroger doesn't give fuel points on cards greater than $100 bucks. A good rewards card is the better play here. I think a couple have already been mentioned.
Keep in mind that Kroger doesn't give fuel points on cards greater than $100 bucks. A good rewards card is the better play here. I think a couple have already been mentioned.
Only purchases of eligible items made at Fred Meyer using your Fred Meyer Rewards® Card or Fred Meyer Rewards® Visa®are eligible for Fuel Points. Accumulation of Fuel Points and Rewards Points excludes fuel, tobacco, postage stamps, lottery tickets, Western Union, money orders, transit passes, fees, game licenses, phone activation, sales tax, Ticketmaster, any purchases prohibited by law and the following gift cards: Fred Meyer, Kroger, MasterCard®, Visa®, American Express®, Green Dot® and financial variable load gift cards.
Apr 5, 2013, 11:37 am
#27
Join Date: Dec 2012
Posts: 48
This is the greatest news I have heard in a seriously long time... essentially, this lessens the need for AP.
Sometimes I jump to conclusions too fast and then realize, wooopsies... but seriously, with this development, no more need for complicated Jungle rings, correct?
Sometimes I jump to conclusions too fast and then realize, wooopsies... but seriously, with this development, no more need for complicated Jungle rings, correct?
Apr 5, 2013, 11:38 am
#28
Join Date: May 2012
Posts: 168
Can you please explain this idea? I'm not seeing the benefit of GC w/PIN --> Walgreens VR --> X.
If X is BB, then that will cost you fee for GC + fee for VR. In that case why not just do straight GC w/PIN --> BB via Walmart? That will save you one fee. Even if X is something else, you will always have that second fee when you get the VR.
Thanks.
If X is BB, then that will cost you fee for GC + fee for VR. In that case why not just do straight GC w/PIN --> BB via Walmart? That will save you one fee. Even if X is something else, you will always have that second fee when you get the VR.
Thanks.
Apr 5, 2013, 11:46 am
#29
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Apr 5, 2013, 11:55 am
#30
Join Date: Apr 2010
Location: LAX
Posts: 546
this is still 3 times more expensive than the VR at OD. Time to get creative now.