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 9, 2014, 5:02 pm
#2956
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Jan 9, 2014, 5:55 pm
#2957
Join Date: Dec 2012
Location: southUSA
Posts: 398
Pass? Reason being MR. Or the cost/point.
Jan 9, 2014, 6:04 pm
#2958
Join Date: Feb 2012
Posts: 72
Where can I buy the Visa prepaid cards/gift cards in store with cc? I tried CVS, Rite Aid, office depot, kroger and none of them allowed me to buy one with a cc.
Jan 9, 2014, 7:22 pm
#2959
Join Date: May 2013
Location: Denver
Posts: 111
You could try other locations of those same stores, or go back to previous ones when a different clerk is on shift. Ask to speak to the manager if necessary (no real downside in this situation--if manager says no, store is off your list and no need to waste time checking another clerk; if yes, clerk will now let you buy going forward, and you can tell other clerks the manager ok'ed it last time).
I've had a few times where a clerk said cash only on VGC and when I pushed, another clerk or manager gave the green light--I find some clerks get the lecture not to sell green dots on credit and just assume it applies to everything on the GC rack.
Jan 9, 2014, 7:30 pm
#2960
Join Date: Feb 2012
Posts: 72
Ouch, I've been successful at all of those besides CVS (only because no CVS in my state). Granted, some store locations have said no, but most allow it. Out here, Safeway is the stingy one, only 1 of 4 locations I've tried allow it, and it's the furthest away.
You could try other locations of those same stores, or go back to previous ones when a different clerk is on shift. Ask to speak to the manager if necessary (no real downside in this situation--if manager says no, store is off your list and no need to waste time checking another clerk; if yes, clerk will now let you buy going forward, and you can tell other clerks the manager ok'ed it last time).
I've had a few times where a clerk said cash only on VGC and when I pushed, another clerk or manager gave the green light--I find some clerks get the lecture not to sell green dots on credit and just assume it applies to everything on the GC rack.
You could try other locations of those same stores, or go back to previous ones when a different clerk is on shift. Ask to speak to the manager if necessary (no real downside in this situation--if manager says no, store is off your list and no need to waste time checking another clerk; if yes, clerk will now let you buy going forward, and you can tell other clerks the manager ok'ed it last time).
I've had a few times where a clerk said cash only on VGC and when I pushed, another clerk or manager gave the green light--I find some clerks get the lecture not to sell green dots on credit and just assume it applies to everything on the GC rack.
http://www.google.com/imgres?imgurl=...ed=0CAIQsCUoAA
At office depot, I was told that I could buy the fixed amount VGC with a cc but not the variable amount $25-$500 card.
Jan 9, 2014, 8:09 pm
#2961
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
deleted
Last edited by sgideons; Jan 10, 2014 at 11:43 am Reason: terrible math. mea culpa.
Jan 9, 2014, 10:00 pm
#2963
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Jan 9, 2014, 11:13 pm
#2964
Join Date: May 2013
Location: Denver
Posts: 111
Thanks! I'll try different times and locations. So the VGC is the Vanilla Gift card right? The rest were pre paid debit green dot cards.
http://www.google.com/imgres?imgurl=...ed=0CAIQsCUoAA
At office depot, I was told that I could buy the fixed amount VGC with a cc but not the variable amount $25-$500 card.
http://www.google.com/imgres?imgurl=...ed=0CAIQsCUoAA
At office depot, I was told that I could buy the fixed amount VGC with a cc but not the variable amount $25-$500 card.
Given that you didn't even know the difference between gift cards and reloadable prepaid cards before you wanted to start buying them, I suggest reading the forums for awhile.
Jan 10, 2014, 12:52 pm
#2966
Join Date: Jul 2009
Posts: 721
I was at a mall out of town the other day and they had 'Simon Visa' cards from US Bank. I think you had to take the cardboard hanger to the counter to get the GC and it didn't have any terms listed on it. The fee was only $2.95. Can a PIN be set? Has anybody tried to buy MO's with these? I would've bought one but I'm getting the WF 5% card so it doesn't matter right now.
Last edited by zceuxbhjutf; Jan 11, 2014 at 1:48 pm
Jan 10, 2014, 1:04 pm
#2967
Join Date: Feb 2012
Posts: 72
You should look at the fee schedule on Greendot's website. Then thank the clerks who wouldn't let you buy one, since you would have been hit by additional fees (like the 5.95 monthly fee that kicks in immediately).
Given that you didn't even know the difference between gift cards and reloadable prepaid cards before you wanted to start buying them, I suggest reading the forums for awhile.
Given that you didn't even know the difference between gift cards and reloadable prepaid cards before you wanted to start buying them, I suggest reading the forums for awhile.
Jan 10, 2014, 8:32 pm
#2968
Join Date: Dec 2013
Posts: 175
Has anyone else noticed the cards from office supply stores sometimes has this horrible gunk on the left of the cards? About half the cards I have received from different locations this month have what looks like dried glue making it hard to swipe at terminals and is almost impossible to remove
Jan 10, 2014, 11:48 pm
#2969
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,929
That's not glue