A month ago when I was converting four $500 OV's to MO's at Wally's (paying the 70 cent fee for each separately with cash), a couple of times the 3rd or 4th OV swiped as "decline". Both times, I took my $1,000 MO from the two OV's that did swipe successfully and went home.

For the two declined OV's, I called the 800 number on the back and verified that they did, in fact, have $500 loaded on each one. Here is the key: There is a choice on the OneVanilla phone menu that allows you to clear the pin. Not sure, I think it is menu choice '8'. Menu choice '6' allows you to check another card without hanging up and calling back.

This had a happy ending. The next day, I was able to unload the two OV at WallyMart. I think this was caused by "operator error" -- either me mis-swiping or the clerk messing up. I don't know which. Now I just do one $1,000 MO's at a time with a pair of $500 OV. The store clerks or me are too unreliable to handle more. For the pin, "1111" or any four digits work fine.

The point is this: If you get an unload "fail", excuse yourself politely, walk away and check your OV's at home & clear the pin. Try again later.

FYI, the phone menu for OV works better than the website, which is crap.