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).
May 28, 2013, 9:19 pm
#1471
Join Date: Nov 2004
Location: New York, NY
Programs: Delta GM, SPG Gold
Posts: 161
May 28, 2013, 9:21 pm
#1474
Join Date: Mar 2013
Posts: 809
Thats exactly what i did. The kiosk told me "card not accepted"
Im going tomorrow with 4 different GC's. MettaBank, OneVanilla, Vanilla Visa, and University National Bank. Out of those cards, only MettaBank cards have worked for me for debit purchases.
Im going tomorrow with 4 different GC's. MettaBank, OneVanilla, Vanilla Visa, and University National Bank. Out of those cards, only MettaBank cards have worked for me for debit purchases.
May 28, 2013, 9:33 pm
#1475
Join Date: May 2013
Posts: 939
Doesnt this go against the intent of the law which gave us the ability to use a PiN with GCs in the first place? What good is a GC with a PiN if the merchant wont allow the customer to use it?
May 28, 2013, 9:33 pm
#1476
Join Date: Nov 2004
Location: New York, NY
Programs: Delta GM, SPG Gold
Posts: 161
I've only tried Metabank to date and its worked fine. I ask about One Vanillas as they are the only gift card my local drug stores sell and I currently have 5x Points at drug stores (yes I'm aware about the chance of Citi shutting me down).
May 28, 2013, 9:38 pm
#1477
Join Date: Mar 2013
Posts: 809
You should have heard the convo I had with the University National Bank people. Their own automated system will assign a PIN to the card, but I couldnt get it to work. I called them and they told me you cant use the PIN for purchases. I asked, why the hell are you assigning PINs if you cant even use them? They couldnt give me an answer. They escalated the problem and told me they would call me back. Never did.
May 29, 2013, 3:19 am
#1478
Join Date: Dec 2008
Posts: 367
Rite Aid stores in my area don't sell money orders. Supermarkets are cash only. Have not tried 7-11 yet.
May 29, 2013, 5:06 am
#1479
Join Date: Aug 2009
Location: ORD, LAS
Programs: AA-EXP, BAEC Silver, Hyatt-Globalist, Hilton-gold, SPG-gold
Posts: 855
May 29, 2013, 9:22 am
#1480
Join Date: Aug 2012
Posts: 367
Yeah the Vanilla Visa you cannot set a pin for either. By default, you just use any 4 numbers for the PIN. You have the option on the vanillavisa.com site or on the phone to *clear* the pin - but not to set it.
I had purchased 2 x $500 last week. On one I *cleared* the PIN on the phone and the other I just left as-is. I used both to load my BB the next day using the same "made-up" PIN number and both worked fine.
I had purchased 2 x $500 last week. On one I *cleared* the PIN on the phone and the other I just left as-is. I used both to load my BB the next day using the same "made-up" PIN number and both worked fine.
May 29, 2013, 10:12 am
#1481
Join Date: Nov 2004
Location: New York, NY
Programs: Delta GM, SPG Gold
Posts: 161
Yeah the Vanilla Visa you cannot set a pin for either. By default, you just use any 4 numbers for the PIN. You have the option on the vanillavisa.com site or on the phone to *clear* the pin - but not to set it.
I had purchased 2 x $500 last week. On one I *cleared* the PIN on the phone and the other I just left as-is. I used both to load my BB the next day using the same "made-up" PIN number and both worked fine.
I had purchased 2 x $500 last week. On one I *cleared* the PIN on the phone and the other I just left as-is. I used both to load my BB the next day using the same "made-up" PIN number and both worked fine.
Just to clarify any confusion, based on your comments above with this card listed above I can go to the Walmart ATM kiosk and load to BB using any random 4 digit code.
May 29, 2013, 10:59 am
#1482
Join Date: Aug 2012
Posts: 367
I have too much Vanilla on the brain. I confused One Vanilla for Vanilla Visa. You would think they would get tired of all the Vanilla names..no love for chocolate! This is the card my drug store sells:
Just to clarify any confusion, based on your comments above with this card listed above I can go to the Walmart ATM kiosk and load to BB using any random 4 digit code.
Just to clarify any confusion, based on your comments above with this card listed above I can go to the Walmart ATM kiosk and load to BB using any random 4 digit code.
Here are the different Vanilla Cards available:
https://www.onevanilla.com/onevanilla/about.html
There is seemingly no difference between the Vanilla Visa and OneVanilla in terms of functionality (according to them). I believe the difference is that the OneVanilla cards are meant to be upgraded to MyVanilla cards:
https://www.onevanilla.com/onevanilla/
So these cards shouldn't really be considered standard gift-cards, but rather "temporary reloadable debit cards."
Of course there is also the standard reloadable beans packs:
https://www.vanillareload.com/
None of these should be confused with each other - even though they are all owned by InComm.
I would stay away from the OneVanilla cards, for reasons I mention above. I suspect were you to upgrade them to MyVanilla, you could use the MyVanilla to purchase - but that opens up other hassles that are not worth meeting.
Personally, I have never found a place that sells OneVanillas and *not* Vanilla Visas....so just stay away from the former.
May 29, 2013, 11:03 am
#1483
Join Date: Nov 2004
Location: New York, NY
Programs: Delta GM, SPG Gold
Posts: 161
Yes - Vanilla Visa are the standard GC and function like any other Visa GC with the exception that the PIN is set on first use.
Here are the different Vanilla Cards available:
https://www.onevanilla.com/onevanilla/about.html
There is seemingly no difference between the Vanilla Visa and OneVanilla in terms of functionality (according to them). I believe the difference is that the OneVanilla cards are meant to be upgraded to MyVanilla cards:
https://www.onevanilla.com/onevanilla/
So these cards shouldn't really be considered standard gift-cards, but rather "temporary reloadable debit cards."
Of course there is also the standard reloadable beans packs:
https://www.vanillareload.com/
None of these should be confused with each other - even though they are all owned by InComm.
I would stay away from the OneVanilla cards, for reasons I mention above. I suspect were you to upgrade them to MyVanilla, you could use the MyVanilla to purchase - but that opens up other hassles that are not worth meeting.
Personally, I have never found a place that sells OneVanillas and *not* Vanilla Visas....so just stay away from the former.
Here are the different Vanilla Cards available:
https://www.onevanilla.com/onevanilla/about.html
There is seemingly no difference between the Vanilla Visa and OneVanilla in terms of functionality (according to them). I believe the difference is that the OneVanilla cards are meant to be upgraded to MyVanilla cards:
https://www.onevanilla.com/onevanilla/
So these cards shouldn't really be considered standard gift-cards, but rather "temporary reloadable debit cards."
Of course there is also the standard reloadable beans packs:
https://www.vanillareload.com/
None of these should be confused with each other - even though they are all owned by InComm.
I would stay away from the OneVanilla cards, for reasons I mention above. I suspect were you to upgrade them to MyVanilla, you could use the MyVanilla to purchase - but that opens up other hassles that are not worth meeting.
Personally, I have never found a place that sells OneVanillas and *not* Vanilla Visas....so just stay away from the former.
Thanks for taking the time to write this awesome post.
May 29, 2013, 11:45 am
#1484
Join Date: Mar 2012
Posts: 784
I had no idea about the differences in One Vanilla and Vanilla Visa. (I do know VR and MVD). Luckily, none of the swipers around here do either because I use them interchangeably-- for BB load, for MO, at WM or at other stores. I would not be afraid to try them. Apparently, in my case, ignorance is bliss!
May 29, 2013, 1:57 pm
#1485
Join Date: May 2012
Posts: 168
Yes - Vanilla Visa are the standard GC and function like any other Visa GC with the exception that the PIN is set on first use.
Here are the different Vanilla Cards available:
https://www.onevanilla.com/onevanilla/about.html
There is seemingly no difference between the Vanilla Visa and OneVanilla in terms of functionality (according to them). I believe the difference is that the OneVanilla cards are meant to be upgraded to MyVanilla cards:
https://www.onevanilla.com/onevanilla/
So these cards shouldn't really be considered standard gift-cards, but rather "temporary reloadable debit cards."
Of course there is also the standard reloadable beans packs:
https://www.vanillareload.com/
None of these should be confused with each other - even though they are all owned by InComm.
I would stay away from the OneVanilla cards, for reasons I mention above. I suspect were you to upgrade them to MyVanilla, you could use the MyVanilla to purchase - but that opens up other hassles that are not worth meeting.
Personally, I have never found a place that sells OneVanillas and *not* Vanilla Visas....so just stay away from the former.
Here are the different Vanilla Cards available:
https://www.onevanilla.com/onevanilla/about.html
There is seemingly no difference between the Vanilla Visa and OneVanilla in terms of functionality (according to them). I believe the difference is that the OneVanilla cards are meant to be upgraded to MyVanilla cards:
https://www.onevanilla.com/onevanilla/
So these cards shouldn't really be considered standard gift-cards, but rather "temporary reloadable debit cards."
Of course there is also the standard reloadable beans packs:
https://www.vanillareload.com/
None of these should be confused with each other - even though they are all owned by InComm.
I would stay away from the OneVanilla cards, for reasons I mention above. I suspect were you to upgrade them to MyVanilla, you could use the MyVanilla to purchase - but that opens up other hassles that are not worth meeting.
Personally, I have never found a place that sells OneVanillas and *not* Vanilla Visas....so just stay away from the former.
