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Old Jul 16, 14, 2:19 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: PIN available now for Visa/MC prepaid debit cards.
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Last edit by: sechs
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.

No reported success of using PIN enabled GCs at the post office for MOs. (Last confirmed January 2013)

Visas (VGCs) generally work better than MC at Walmart registers. Some MCs and VGCs default to credit (and will be denied) and require pressing a button to change the payment type to debit. Here is the workaround:

Old POS systems (monochrome black on green screen):
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 screens):
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 (not required to ask if Cashier hit debit button already)

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.

A widespread issue (that seems to have disappeared) occured with the Celebrate MCGC isued by US Bank. While the PIN could be set, it was consistently denied by WM registers. It can be seen here:
http://www.flyertalk.com/forum/20970219-post1788.html (NOTE: This no longer seems to be the case, and a number of members have been having no issues with these.)



Setting PINS
  • Visa issued by US Bank - Newer cards come with a pre-assigned PIN, printed on cardstock inside the package (PIN inserts found in packages with the following revision number, "GIFTVISAUSBrev0913"). 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.
  • Visa issued by MetaBank - Use the last four digits of the card number (or to set personal PIN call 888-524-1283)
  • Vanilla Visa and OneVanilla (not MyVanilla, etc) - Use any random four digits on the first transaction which sets the PIN
  • MC issued by US Bank - Must call to set PIN (PIN inserts found in packages with the following revision number, "GIFTMCUSBrev0913").


Error Messages
DEBIT NOT AVAILABLE
Got that error when I used a card I thought I had activated but hadn't. (Most GCs don't need to be activated of course, but a few types do.)

DEBIT NOT APPROVED
Got that error when the BB card's 5000 capacity was already used up for the month. Same error re HRB Emerald card (daily or other) capacity if trying Rapid Reload too soon.
This is the confusing one cuz it led me to believe I had committed the previous (paragraph's) error, or something was wrong with the gift card not the BB/HRB.

TENDER NOT ALLOWED
Card was incorrectly read, or you entered wrong pin number.

HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.

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Old May 26, 13, 6:21 am   #1426
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Originally Posted by NetBrowser07 View Post
At our local Walmart, the MoneyExpress ATM is always closed (the message on the screen says 'CLOSED'). The customer service person always give me a hard time about the gift cards and they never go through. It's possible they may be pressing the wrong items (debit/credit) but there is no way to tell. Just ranting because I'm stuck with a bunch of GCs now..
Try another store like kroger or harris teeter or rite aid for mos
You have a pin so if they know how to hit debit these should work
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Old May 26, 13, 8:24 am   #1427
 
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Originally Posted by FlightNurse View Post
First off this thread isn't about you... So please get over yourself.
Second, this thread is very long and info get's buried so instead of reading hundreds of post it is easier for someone to just ask a question.
Lastly, this thread isn't about you, so please get over yourself.
My bad...didn't know people couldn't read.
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Old May 26, 13, 9:12 am   #1428
 
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Originally Posted by ricohitman View Post
Can we please keep the posts to info that hasn't already been stated. It seems the error messages are similar. Unless you have a new development please stop extending the length of this thread. Check your BB loads. Check that you have the right pin number. If and only if those things have been met post data points.
I, and I suspect others, find it helpful to understand the severity / pervasiveness of a problem and do not mind multiple confirmatory posts. If one person posts an issue, for all we know, it could be user error. If three post in close succession, that is far less likely.
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Old May 26, 13, 9:20 am   #1429
 
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Originally Posted by arsenalman View Post
that calculation includes the ~400 annual fee?
Perhaps they have the card for other benefits??
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Old May 26, 13, 9:54 am   #1430
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Originally Posted by NetBrowser07 View Post
At our local Walmart, the MoneyExpress ATM is always closed (the message on the screen says 'CLOSED'). The customer service person always give me a hard time about the gift cards and they never go through. It's possible they may be pressing the wrong items (debit/credit) but there is no way to tell. Just ranting because I'm stuck with a bunch of GCs now..
Ask the clerk to run it through their card reader. That solved the problem for me at the WM I went to.
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Old May 26, 13, 12:21 pm   #1431
 
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Quote:
Originally Posted by NetBrowser07 View Post
At our local Walmart, the MoneyExpress ATM is always closed (the message on the screen says 'CLOSED'). The customer service person always give me a hard time about the gift cards and they never go through. It's possible they may be pressing the wrong items (debit/credit) but there is no way to tell. Just ranting because I'm stuck with a bunch of GCs now..
Search out another WM.
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Old May 26, 13, 12:30 pm   #1432
 
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This morning, the CSR at my local WM successfully loaded two Chase GCs to my Bluebird..... the same place I was rejected last week. It is always worth a second try.....
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Old May 26, 13, 1:20 pm   #1433
 
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Originally Posted by FlightNurse View Post
First off this thread isn't about you... So please get over yourself.
Second, this thread is very long and info get's buried so instead of reading hundreds of post it is easier for someone to just ask a question.
Lastly, this thread isn't about you, so please get over yourself.
You don't even see your own hypocrisy, do you?
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Old May 26, 13, 2:08 pm   #1434
 
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Originally Posted by Steve in Olympia View Post
This morning, the CSR at my local WM successfully loaded two Chase GCs to my Bluebird..... the same place I was rejected last week. It is always worth a second try.....
I loaded multiple cards on my Bluebird this morning, and all is working well.
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Old May 26, 13, 3:36 pm   #1435
 
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Originally Posted by jaymar01 View Post
I loaded multiple cards on my Bluebird this morning, and all is working well.
same here, drove by 2 WMs, $500 to BB at one locations by service desk, another $500 at another location by ATM
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Old May 26, 13, 4:51 pm   #1436
 
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Has anyone had issues with the kiosk needing a store login to continue to process? I posted an episode I just had loading my BB and my GB (as well as my wife's GB card) at a kiosk yesterday.

It seems to me that the kiosk was requesting a login due to multiple high denomination loads taking place at the kiosk regardless of the owner of the card trying to do the transaction. Anyone have similar experiences?
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Old May 26, 13, 4:59 pm   #1437
 
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Originally Posted by BenH View Post
Has anyone had issues with the kiosk needing a store login to continue to process? I posted an episode I just had loading my BB and my GB (as well as my wife's GB card) at a kiosk yesterday.

It seems to me that the kiosk was requesting a login due to multiple high denomination loads taking place at the kiosk regardless of the owner of the card trying to do the transaction. Anyone have similar experiences?
Lots of reports of this in the chase gift card thread, you should check it out. I can confirm personally too. Anything over $2k at my usual walmart locks the kiosk down, needing an assistant.
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Old May 26, 13, 5:24 pm   #1438
 
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Originally Posted by BenH View Post
Has anyone had issues with the kiosk needing a store login to continue to process? I posted an episode I just had loading my BB and my GB (as well as my wife's GB card) at a kiosk yesterday.

It seems to me that the kiosk was requesting a login due to multiple high denomination loads taking place at the kiosk regardless of the owner of the card trying to do the transaction. Anyone have similar experiences?
Several people, me included, have reported the same experience: 3 x $500 load fine, the fourth requires a store log in.

YMMV regarding getting an employee to log in and reset the machine.
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Old May 26, 13, 6:43 pm   #1439
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Originally Posted by NetBrowser07 View Post
At our local Walmart, the MoneyExpress ATM is always closed (the message on the screen says 'CLOSED'). The customer service person always give me a hard time about the gift cards and they never go through. It's possible they may be pressing the wrong items (debit/credit) but there is no way to tell. Just ranting because I'm stuck with a bunch of GCs now..
It is most likely they hit the wrong button.

Today my very competent very friendly cashier hit the wrong button (because of her elaborately decorated artificial long nails) and the thing spit out the Debit Not Available error 51 chit. But since she is very competent, she immediately knows what is wrong. She re-did it and told me to swipe again. It went right thru. I loaded 1 BB with 2 Chase GCs and 1 BB with 1 Chase GC + 1 Vanilla GC. 2 Transactions.

I normally did 2 GCs on one transaction, simple and easy. And I never use Kiosk always at the desk whether it is Money Center or the regular CS desk when it is not a SuperCenter.

The key is NOT to visit on a Pay Day or the following 2 days. The week that leads to the Pay Day, there is No Line. Such as today despite it is a Sunday around 1pm, there was no line when I dropped by. In fact my favorite cashier was walking outside the Money Center and I grabbed her back in.

For those of you who want to use the Kiosks, may be you want to give a 10 min break between loads - take a walk around the store and consider it as your exercise, then come back to finish the remaining - try this, probably would work and no need to get an employee to re-set the machine.

Last edited by Happy; May 26, 13 at 6:55 pm..
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Old May 26, 13, 7:31 pm   #1440
 
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Originally Posted by Happy View Post
For those of you who want to use the Kiosks, may be you want to give a 10 min break between loads - take a walk around the store and consider it as your exercise, then come back to finish the remaining - try this, probably would work and no need to get an employee to re-set the machine.
Nope. Tried walking around two stores today. It seems, once the red light is on, it stays on until the associates turn it off.
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