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PIN available now for Visa/MC prepaid debit cards(2013-2016).

PIN available now for Visa/MC prepaid debit cards(2013-2016).

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Old Feb 3, 17, 2:04 am   -   Wikipost
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There is a new thread for 2017: http://www.flyertalk.com/forum/manuf...ds-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
  • 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.
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Old Jun 27, 13, 4:02 pm
  #1816  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Originally Posted by KYBOSH View Post
To and from fields are in my name.
Deposited into check/cash accepting atms.
Funds available the next day.

For privacy, most terminals and keypads are near you and away from the cashier. Swipe and enter PIN as if you are doing something natural and automatic like brushing your teeth.

You should be okay. If you have access to MO with a higher limits (1k) i would do one 1k (2 $500 GCs) only until you have established that that particular location is cool with running multiple cards. Then bump it up to 2k MOs (4 GCs) as the cashiers are comfortable and familiar with you.
Thanks man. I'll be using some apps to make this happen too.
TheDapperDon is offline  
Old Jun 27, 13, 6:58 pm
  #1817  
 
Join Date: Sep 2012
Location: IAD/DCA
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Originally Posted by cashback View Post
Sooo I normally make my "run" to 4 drug stores and one super market and walk away with about 7K in GCs. They are all within 4 miles from each other.

As I was pulling into Rite Aid tonight, I got pulled over! Turns out Walgreens called the cops on me. The cop questioned me about all the GC purchases and checked my ID w/ my CC. I was truthful and told him why I do this. The unit's detective even stopped by to chat with me and made it seem like he had been looking into me. He explained about all the bad things GCs can be used for and thats why excessive purchases raise red flags. He was fine with my explanation and assured me that since he has talked to me, I can continue without further harassment.

What a night....
Sheesh, sorry you had to go through that. I would not be terribly happy with that Walgreens.
ctbarron is online now  
Old Jun 27, 13, 7:02 pm
  #1818  
 
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 946
Must be some super efficient cashier who thinks he/she memorized the patriot act along with the other financial laws. Even though the stores check the ID, they cannot fathom in their gray matter, that a person buying GCs with a CC can easily be traceable.

Originally Posted by cashback View Post
Sooo I normally make my "run" to 4 drug stores and one super market and walk away with about 7K in GCs. They are all within 4 miles from each other.

As I was pulling into Rite Aid tonight, I got pulled over! Turns out Walgreens called the cops on me. The cop questioned me about all the GC purchases and checked my ID w/ my CC. I was truthful and told him why I do this. The unit's detective even stopped by to chat with me and made it seem like he had been looking into me. He explained about all the bad things GCs can be used for and thats why excessive purchases raise red flags. He was fine with my explanation and assured me that since he has talked to me, I can continue without further harassment.

What a night....
iqbalt80 is offline  
Old Jun 27, 13, 7:21 pm
  #1819  
 
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Originally Posted by cashback View Post
Sooo I normally make my "run" to 4 drug stores and one super market and walk away with about 7K in GCs. They are all within 4 miles from each other.

As I was pulling into Rite Aid tonight, I got pulled over! Turns out Walgreens called the cops on me. The cop questioned me about all the GC purchases and checked my ID w/ my CC. I was truthful and told him why I do this. The unit's detective even stopped by to chat with me and made it seem like he had been looking into me. He explained about all the bad things GCs can be used for and thats why excessive purchases raise red flags. He was fine with my explanation and assured me that since he has talked to me, I can continue without further harassment.

What a night....
That's crazy, sorry you had to go thru that!

Have you been back to that location yet?
Bender464 is offline  
Old Jun 27, 13, 7:24 pm
  #1820  
 
Join Date: Mar 2013
Posts: 809
Originally Posted by Bender464 View Post
That's crazy, sorry you had to go thru that!

Have you been back to that location yet?
No, but I will be tomorrow. Im going to ask for the manager that was on duty yesterday. Ill ask him to ring me up. Maybe give him the finger the whole time, and ask if he normally calls the cops on people who buy products they have for sale. The thing is, I only bought one $500 GC from there.
cashback is offline  
Old Jun 27, 13, 7:29 pm
  #1821  
 
Join Date: Jan 2012
Programs: DL, WoH, UA, AA
Posts: 917
Originally Posted by cashback View Post
No, but I will be tomorrow. Im going to ask for the manager that was on duty yesterday. Ill ask him to ring me up. Maybe give him the finger the whole time, and ask if he normally calls the cops on people who buy products they have for sale. The thing is, I only bought one $500 GC from there.
I'd treat everyone in that store like crap the next day. True, businesses need to protect themselves from fraud, but if you're a repeat customer why the hell would you be committing fraud???
ricohitman is offline  
Old Jun 27, 13, 8:00 pm
  #1822  
 
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,862
Originally Posted by cashback View Post
Ill ask him to ring me up. Maybe give him the finger the whole time, and ask if he normally calls the cops on people who buy products they have for sale
I would be gracious and forgiving, perhaps even bring some roses.

you do understand that he can refuse to sell you anything, and ask you to leave the premises and never return ?
Alcibiades is offline  
Old Jun 27, 13, 8:02 pm
  #1823  
 
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,862
Originally Posted by cashback View Post
The cop questioned me about all the GC purchases and checked my ID w/ my CC. I was truthful and told him why I do this
all you have to answer is "Am I being detained ?"
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Old Jun 27, 13, 8:04 pm
  #1824  
 
Join Date: Mar 2013
Posts: 809
Originally Posted by Alcibiades View Post
I would be gracious and forgiving, perhaps even bring some roses.

you do understand that he can refuse to sell you anything, and ask you to leave the premises and never return ?
Yep. And Ill go to the 4 other places who sell them to me no problems.
cashback is offline  
Old Jun 27, 13, 8:05 pm
  #1825  
 
Join Date: Mar 2013
Posts: 809
Originally Posted by Alcibiades View Post
all you have to answer is "Am I being detained ?"
Yeah its easy to say that. But when you're being pulled over for suspicious activity, the last thing i wanted to do was act suspicious. I have nothing to hide, so I dont mind telling them exactly what I do. Plus, I had some things to do, so I wanted to move it along.
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Old Jun 28, 13, 11:24 am
  #1826  
 
Join Date: May 2000
Location: I see palm trees....
Posts: 412
I found some variable loads at one of my local grocery stores today that I had not seen before:



Has anyone had any experience doing loads with these?
Bean is offline  
Old Jun 28, 13, 11:31 am
  #1827  
 
Join Date: Mar 2013
Posts: 809
Originally Posted by Bean View Post
I found some variable loads at one of my local grocery stores today that I had not seen before:



Has anyone had any experience doing loads with these?
Yes, I buy them all the time. Default PIN is last four of the card. Or you can go online and re set the PIN.
cashback is offline  
Old Jun 28, 13, 11:33 am
  #1828  
 
Join Date: May 2007
Posts: 112
Careful with driving around with lots of these cards in your car. Besides the fact they could get stolen out of your glove box, police have been known to confiscate large amounts of cash for speculation of suspicious activity and I'm sure these cards would be no different.

http://my.chicagotribune.com/#sectio.../p2p-45482890/
Barry2013 is offline  
Old Jun 28, 13, 11:35 am
  #1829  
 
Join Date: Mar 2013
Posts: 809
Originally Posted by Barry2013 View Post
Careful with driving around with lots of these cards in your car. Besides the fact they could get stolen out of your glove box, police have been known to confiscate large amounts of cash for speculation of suspicious activity and I'm sure these cards would be no different.

http://my.chicagotribune.com/#sectio.../p2p-45482890/
Go read my post #1813. Had about 4K in the car with me. They had no issue with it.

And that article is about racist crooked cops. If a cop wants to harass you, they will.
cashback is offline  
Old Jun 28, 13, 11:36 am
  #1830  
 
Join Date: May 2000
Location: I see palm trees....
Posts: 412
Originally Posted by cashback View Post
Yes, I buy them all the time. Default PIN is last four of the card. Or you can go online and re set the PIN.
Thanks for the feedback.
The ones I saw looked just like that picture, except the 'Any Amount From $20-500' was in a white box. And the back said they were issued by University bank, which apparently was acquired by MetaBank.

Perhaps these are just old stock....?
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