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 18, 2013, 11:48 pm
#676
Join Date: Sep 2012
Posts: 4,431
Originally Posted by dogbyte:20615802
I've done this twice in the past 2 weeks. Both times the cashiers were very helpful. The first time I went, I bought a 1k MO and loaded another 1k on my BB card. It was somewhat time consuming because I had a mix of $500 and $200 GCs.
Apr 18, 2013, 11:55 pm
#677
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
As always, feel free to PM.
Last edited by stealph; Apr 18, 2013 at 11:59 pm Reason: detail
Apr 19, 2013, 12:08 am
#678
Join Date: Apr 2010
Location: LAX
Posts: 546
PSCUFS (https://mygiftcardaccount.pscufs.com) manages prepaid gift cards for a lot of credit unions. I used google advanced search to identify these credit unions and then tried placing an online order for these prepaid gift cards. However, in each and every case I got an error saying that the CC that I am using has be to issued from the CU that is issuing the gift cards. Meaning I can't use my Chase Ink or US Airways MC to order the gift cards. Does anyone know a way around this?
Apr 19, 2013, 12:11 am
#679
Join Date: May 2003
Location: Las Vegas, NV
Posts: 301
I tried five different Metabank Visas today at WM...PINS were set through their phone system. I tried to load to BB through the kiosk and each card failed with the printout receipt saying various errors..."debit not approved. Call authorizer" and "debit not available" being the most common. I tried multiple times with no luck and then tried again at the register with no luck. I then decided to try one of the cards to buy a MO at the kiosk again, and it went through? I tried the other cards again for BB, but still got the same errors.
Puzzling why it would work for MO but not BB???
Puzzling why it would work for MO but not BB???
Apr 19, 2013, 12:46 am
#680
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
Maybe when WM sells a MO, their system automatically tries the card that you use as Debit and that's why it works.
However when processing a BB load, it doesn't do that and by default it tries to process as credit and fails. That's just by guess.
To load the BB, try this.
Swipe the card and then there will be a button 'Change Payment Type', it is a very small button on the swipe machine, as soon you swipe the card and it comes, click that and you should be able to choose Debit. That's what I have done for metabank mastercards and maybe it will work for MB visa as well.
Keep us posted.
However when processing a BB load, it doesn't do that and by default it tries to process as credit and fails. That's just by guess.
To load the BB, try this.
Swipe the card and then there will be a button 'Change Payment Type', it is a very small button on the swipe machine, as soon you swipe the card and it comes, click that and you should be able to choose Debit. That's what I have done for metabank mastercards and maybe it will work for MB visa as well.
Keep us posted.
I tried five different Metabank Visas today at WM...PINS were set through their phone system. I tried to load to BB through the kiosk and each card failed with the printout receipt saying various errors..."debit not approved. Call authorizer" and "debit not available" being the most common. I tried multiple times with no luck and then tried again at the register with no luck. I then decided to try one of the cards to buy a MO at the kiosk again, and it went through? I tried the other cards again for BB, but still got the same errors.
Puzzling why it would work for MO but not BB???
Puzzling why it would work for MO but not BB???
Apr 19, 2013, 7:48 am
#681
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
I guess I'm just lucky. I just walk up to the empty moneycenter counter and tell the employee I want to load $200, they push some buttons, then they say "swipe your card," I enter my pin, and that's it. Not sure why the difficulties are occurring with these things....maybe it's a POS error.
Apr 19, 2013, 8:22 am
#682
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,281
Are these "pin" cards identified on the outside of the packaging as such?
Apr 19, 2013, 8:59 am
#685
Join Date: Mar 2012
Posts: 784
I guess I'm just lucky. I just walk up to the empty moneycenter counter and tell the employee I want to load $200, they push some buttons, then they say "swipe your card," I enter my pin, and that's it. Not sure why the difficulties are occurring with these things....maybe it's a POS error.
Apr 19, 2013, 9:06 am
#686
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,281
Apr 19, 2013, 9:17 am
#687
Suspended
Join Date: May 2010
Posts: 2,998
What do you mean by 'previous'? You do understand that this is a new development, correct? You did read the entire thread, correct?
Apr 19, 2013, 9:26 am
#688
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,281
Yes I know it's new. When you said if it says Visa or Mastercard then it has a pin. Since this is a new development I didn't know if all issuers were on the band wagon so to speak or if "new" cards had to be mfg'd in order to give them the pin capability.
Apr 19, 2013, 9:35 am
#689
Suspended
Join Date: May 2010
Posts: 2,998
As far as I know, it's not related to the age of the physical card, just the purchase date. I could be wrong, but I've not encounteded any issues.
Apr 19, 2013, 10:11 am
#690
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553