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 14, 2014, 5:07 am
#2986
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
no some of the vanilla gc's are only $4.95, available at various pharmacies and grocery stores
Jan 14, 2014, 5:41 am
#2987
Join Date: Feb 2013
Posts: 801
Still others are available for even less at some malls.
Jan 14, 2014, 8:34 am
#2988
Join Date: Apr 2005
Location: NYC
Posts: 1,756
anyone know how long until a hold falls off of a MetaBank VGC when the transaction is aborted?
I went to get a 1K MO and used this card first. Problem with the second card, so CSM aborts the transaction, says that the 500 went back to my first card. I ask for a $499.30 MO, but now it declines the transaction. I'm hoping that this is just a matter of waiting a few days until the hold from the first attempt falls off. Anyone have experience with such a situation?
I went to get a 1K MO and used this card first. Problem with the second card, so CSM aborts the transaction, says that the 500 went back to my first card. I ask for a $499.30 MO, but now it declines the transaction. I'm hoping that this is just a matter of waiting a few days until the hold from the first attempt falls off. Anyone have experience with such a situation?
Jan 14, 2014, 9:11 am
#2989
Join Date: Jan 2013
Location: NYC
Posts: 415
I'm wondering what the big scare is when I try to buy MO with GC. The Walmarts in my area don't want to do it for the most part. Is there any way to charge back on a debit card, much less a GC? To me, it seems to be as good as taking cash. Are there any risks involved for the store? I would like to educate any managers if possible. Of course I can be a lot more convincing if I know the facts. 
Jan 14, 2014, 9:48 am
#2991
Join Date: Feb 2013
Posts: 801
I'm wondering what the big scare is when I try to buy MO with GC. The Walmarts in my area don't want to do it for the most part. Is there any way to charge back on a debit card, much less a GC? To me, it seems to be as good as taking cash. Are there any risks involved for the store? I would like to educate any managers if possible. Of course I can be a lot more convincing if I know the facts.
Jan 14, 2014, 10:06 am
#2992
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
The belief and fear of some over zealous over correcting "no" type clerks I have seen in my travels at places like wmt goes something like this:
A person tries to run a multi card split for mos.
Something goes wrong. Be it on the users end, the clerks or the mo machine.
Someone gets upset.
Managers and clerks get antsy about doing it again. They dont understand why someone wants it anyway so they clam up. Therr are many provincial mindsets working at such stores after all.
Next person comes in to do it. Clerk gets frazzled. Managet comes over and says something like,
Well sir a lady was caught stealing ccs at a local college cafe and then using them to buy gift cards at stores that didnt check id to make the big purchases of these. Then she'd run out and try to cash them out as quickly as possible at stores like ours. So unless your name is on the debit card we cant accept it because it MIGHT be fraud and we dont want involvement.
So clerks get to tell people they wont accept prepaid cards or debit cards that arent from what they think is a "real" bank (although incomm is part of bancorp so its real) and we are out of luck if we happen upon one of those clerks.
If youve already bought and they try to refund your gc, do not allow it. Offer your id and say: i paid, only i know the pin, it is a debit card, and you now have my info in case something goes wrong. Then dont go back to that store/clerk.
The story of the cc thief could be real or not but mgrs are often trained to make stuff up just like we do
A person tries to run a multi card split for mos.
Something goes wrong. Be it on the users end, the clerks or the mo machine.
Someone gets upset.
Managers and clerks get antsy about doing it again. They dont understand why someone wants it anyway so they clam up. Therr are many provincial mindsets working at such stores after all.
Next person comes in to do it. Clerk gets frazzled. Managet comes over and says something like,
Well sir a lady was caught stealing ccs at a local college cafe and then using them to buy gift cards at stores that didnt check id to make the big purchases of these. Then she'd run out and try to cash them out as quickly as possible at stores like ours. So unless your name is on the debit card we cant accept it because it MIGHT be fraud and we dont want involvement.
So clerks get to tell people they wont accept prepaid cards or debit cards that arent from what they think is a "real" bank (although incomm is part of bancorp so its real) and we are out of luck if we happen upon one of those clerks.
If youve already bought and they try to refund your gc, do not allow it. Offer your id and say: i paid, only i know the pin, it is a debit card, and you now have my info in case something goes wrong. Then dont go back to that store/clerk.
The story of the cc thief could be real or not but mgrs are often trained to make stuff up just like we do
Jan 14, 2014, 11:41 am
#2993
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
Jan 14, 2014, 1:54 pm
#2994
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
The cashier at the WalMart close to my job looked at my ID and BB when I went to load today. I asked her why, and she said they have to do it now. I asked what prompted the change and she said that she was just doing as she was told. I was only requesting to load $500, and I mentioned to her that I thought I heard somewhere that large transactions needed an ID. I loaded $500 in two transactions, and then went about my business.
I think WM in this part of town probably gets a bunch of MSers with multiple birds to feed. I've decided to run all of my GCs through the BB with my name, and then run beans through the other 2.
Just wanted to share my experience.
I think WM in this part of town probably gets a bunch of MSers with multiple birds to feed. I've decided to run all of my GCs through the BB with my name, and then run beans through the other 2.
Just wanted to share my experience.
Jan 16, 2014, 10:27 am
#2995
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
I'm wondering what the big scare is when I try to buy MO with GC. The Walmarts in my area don't want to do it for the most part. Is there any way to charge back on a debit card, much less a GC? To me, it seems to be as good as taking cash. Are there any risks involved for the store? I would like to educate any managers if possible. Of course I can be a lot more convincing if I know the facts.
http://www.flyertalk.com/forum/manuf...hone-call.html
Jan 16, 2014, 6:19 pm
#2996
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Its goin down
Im yellin VR
You better move
You better MS
Im yellin VR
You better move
You better MS
Jan 16, 2014, 7:32 pm
#2997
Join Date: Apr 2005
Location: The Internet
Programs: Alaska Mileage Plan
Posts: 714
Jan 16, 2014, 7:48 pm
#2998
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Prepaid feat. GC$a
Jan 16, 2014, 7:58 pm
#2999
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Jan 16, 2014, 8:50 pm
#3000
Join Date: Jan 2012
Location: Southern California
Programs: UA Platinum, Marriott Gold, SPG Gold, Club Carlson Gold
Posts: 317
