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).
Jan 8, 2014, 8:39 pm
#2941
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
When buying a MO at Walmart with a VGC are you paying the $.70 MO fee out of pocket or are you guys buying MO's at $499.30 to cover the full $500 of a potential VGC amount?
I apologize if this has been covered however filtering the thread is pretty vast, lol.
I apologize if this has been covered however filtering the thread is pretty vast, lol.
Jan 8, 2014, 10:30 pm
#2942
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
I pay the fee in cash because I like round numbers. So far my CU hasn't minded all the $1000 MOs.
Jan 8, 2014, 10:32 pm
#2943
Join Date: Jul 2009
Location: KWI
Programs: AA EXP
Posts: 806
$999.30 split across two cards myself.
Jan 9, 2014, 6:18 am
#2944
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
I used to be $1999.30 across four cards, but now do exclusively BP and don't use MO's to unload. Why add another step and the hassle of dealing with MO's?
Jan 9, 2014, 6:21 am
#2945
Join Date: Feb 2013
Posts: 801
Not saying that this is a true reason, but one I've heard of is to establish a break in the electronic money chain at some point.
Jan 9, 2014, 6:40 am
#2948
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
but you are right. it's been a while! of course with bp it's only one fee, so the amount is typically $1999, or $1998.12. or other variants at other stores. i find bp facilities more common than mo purchase options too, though some can be quite expensive. but diversity is good for any ms'er
Jan 9, 2014, 6:42 am
#2949
Join Date: Feb 2013
Posts: 801
Diversity & inclusion. That's what I'm all about.
Jan 9, 2014, 9:07 am
#2950
Join Date: Nov 2013
Location: DCA/IAD
Programs: HH Gold-IHG Plat
Posts: 390
I walked to a liquor store in DC cash only, CVS cash only, USPS Pin didnt work, Suntrust Bank Pin didnt work (I have a PIN it worked when I used it at the Grocery Store) I might try and go back to the night time mgr tonight and see whats up.
anyone know of anywhere in the DC area where I can use VGC for a MO other then WM.
Last edited by ac921ol; Jan 9, 2014 at 2:03 pm
Jan 9, 2014, 1:31 pm
#2951
Join Date: Dec 2012
Location: southUSA
Posts: 398
Cost Per point .61
Somewhat new to this but through a bit of trial and error have come up with what seems to me a reasonably "limitless" way to buy MR points at .00613.
Is this considered good, bad or average rate?
Is this considered good, bad or average rate?
Jan 9, 2014, 1:32 pm
#2952
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
definitely. lol
but you are right. it's been a while! of course with bp it's only one fee, so the amount is typically $1999, or $1998.12. or other variants at other stores. i find bp facilities more common than mo purchase options too, though some can be quite expensive. but diversity is good for any ms'er
but you are right. it's been a while! of course with bp it's only one fee, so the amount is typically $1999, or $1998.12. or other variants at other stores. i find bp facilities more common than mo purchase options too, though some can be quite expensive. but diversity is good for any ms'er
Jan 9, 2014, 2:03 pm
#2953
Join Date: May 2013
Location: Denver
Posts: 111
It's better than buying VR on a 1x card, but any bonus merchant situation will likely beat .00613.
Jan 9, 2014, 2:56 pm
#2954
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Quote:
Originally Posted by michaelpowell44
Somewhat new to this but through a bit of trial and error have come up with what seems to me a reasonably "limitless" way to buy MR points at .00613.
Is this considered good, bad or average rate?
I'd say decent, but not amazing. It's roughly the cost of getting points via 5x card buying $200 GC. There are certainly well-known avenues to accomplish this.
It's better than buying VR on a 1x card, but any bonus merchant situation will likely beat .00613.
Originally Posted by michaelpowell44
Somewhat new to this but through a bit of trial and error have come up with what seems to me a reasonably "limitless" way to buy MR points at .00613.
Is this considered good, bad or average rate?
I'd say decent, but not amazing. It's roughly the cost of getting points via 5x card buying $200 GC. There are certainly well-known avenues to accomplish this.
It's better than buying VR on a 1x card, but any bonus merchant situation will likely beat .00613.
Jan 9, 2014, 2:58 pm
#2955
Join Date: Dec 2012
Location: southUSA
Posts: 398
I'd manufacture at 0.613 on Barclaycard Arrival all day. ~72.4% discount on paid travel? That's comparable to Flexperks at 7-11, which is very much limited (by geography, etc). 5x office supplies doesn't work for paid travel (well, ok, you can use the UR portal for 1.25 cents/point, but that doesn't help with hotels, etc., plus no double dips that way.