Prepaid MasterCards and Visa cards are debit cards and do have a PIN that can be used for debit-based transactions (like bill payments and money orders at SOME places). AmEx prepaid cards are not debit cards and don't have a PIN. Yes, they have a 4-digit number on the front that can be used where the CID/CVV2 number is requested for a card-not-present transaction (like online or by phone). That's like the 3-digit code on the back of MC/Visa cards. But it is NOT a PIN and can't be used for a debit transaction.