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).
Apr 8, 2013, 10:08 pm
#242
Join Date: Jan 2011
Location: ATL
Programs: DL PM, SPG Plat
Posts: 885
Two $500 US Bank issued MCs successfully loaded BB at WM for me. I did have to go through a couple extra steps after swiping which I can't recall right now, because WM wanted to treat the card as credit. But somehow I was eventually given the option to select a debit as my payment option and it went through fine. But in each case, I had to go through the whole process - there was no way to select debit from the start, that option only appeared after inability of WM to process as credit.
Apr 8, 2013, 10:11 pm
#243
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
Two $500 US Bank issued MCs successfully loaded BB at WM for me. I did have to go through a couple extra steps after swiping which I can't recall right now, because WM wanted to treat the card as credit. But somehow I was eventually given the option to select a debit as my payment option and it went through fine. But in each case, I had to go through the whole process - there was no way to select debit from the start, that option only appeared after inability of WM to process as credit.
Apr 8, 2013, 10:16 pm
#244
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 956
Apr 8, 2013, 10:46 pm
#246
Join Date: Nov 2012
Location: HNL
Programs: AA Citi Visa and Amex, Citi AA Biz, SPG, Amex Green, Zync, Discover It (Starbucks Gold) HHonors Gold
Posts: 268
Not sure why you had a problem. I brought a 500$ visa gc issued by metabank from a local grocery store. Registered it on giftcardmall.com, set a pin. Then went to walmart, gave my BB card to the cashier asked her to reload it with 300$. She asked me to swipe my card to pay for it. I swiped the GC, it asked me to enter pin immediately. Entered the pin, and the BB card was loaded with 300$. Everything was fine.
Apr 8, 2013, 11:16 pm
#247
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Apr 9, 2013, 6:26 am
#248
Join Date: Feb 2013
Posts: 801
.....
Last edited by WhateverDude; Apr 10, 2013 at 3:58 pm
Apr 9, 2013, 6:55 am
#249
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Apr 9, 2013, 6:57 am
#250
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
For the metabank variable load Visa cards, I called the number on the back of the card. It starts with 866. The automated system asks you to enter the card number, expiration date, and security code. Then you listen to further options and one of them is to "set up or change your pin."
For the US Bank variable load MC that i attempted to use, i was able to call and set up the PIN in the same fashion (but this card didn't work for me as a debit purchase anywhere).
NO. For the metabank variable load cards, I call the number on the back of the card from the car as I'm driving to Walmart, establish a pin, and by the time i get to Walmart I can load the BB with this card and it prompts me for the pin just like a normal PIN transaction. Why bother registering the cards when they are going to have zero balance in a few minutes and no risk of loss. I could understand if you're going to use it for debit transactions over the next few weeks/months, in case you lose it.
For the US Bank variable load MC that i attempted to use, i was able to call and set up the PIN in the same fashion (but this card didn't work for me as a debit purchase anywhere).
NO. For the metabank variable load cards, I call the number on the back of the card from the car as I'm driving to Walmart, establish a pin, and by the time i get to Walmart I can load the BB with this card and it prompts me for the pin just like a normal PIN transaction. Why bother registering the cards when they are going to have zero balance in a few minutes and no risk of loss. I could understand if you're going to use it for debit transactions over the next few weeks/months, in case you lose it.
Apr 9, 2013, 9:35 am
#252
Join Date: Dec 2011
Location: ORD
Posts: 701
I purchased a variable visa from Jewel. I didn't receive fuel points for the purchase. I set the pin over the phone and drove to Walmart. Cash back didn't work. My fixed value visa lets me get cash back.
I was able to load BB and purchase a money order with the variable visa. This visa is from Metabank.
I was able to load BB and purchase a money order with the variable visa. This visa is from Metabank.
Apr 9, 2013, 9:39 am
#253
Join Date: Feb 2013
Posts: 801
Odd. It seems the variable meta visas allow BB loads, + MO purhcase and not cash back.
Variable USB Visas confirmed to allow cash back, MOs, and BB load.
Variable USB Visas confirmed to allow cash back, MOs, and BB load.
Last edited by WhateverDude; Apr 10, 2013 at 3:59 pm
Apr 9, 2013, 9:50 am
#254
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
We've got some good testing done. I want to vary purchase locations and cards to keep the banks off my case. WhateverDude, do you have the phone number available? I need to add it to my phone. I can see that I will be doing alot of these purchases.
Apr 9, 2013, 10:09 am
#255
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: 956