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 20, 2014, 2:07 am
#3016
Join Date: Mar 2010
Posts: 49
got three MC gc from OM promotion, called to set pins
I then successfully linked it in my BB account, but when I tried to add fund from the card, it was denied. The language was that, strangely, I did not activate my permanent BB card rather than anything to do with the MC gc. Any idea?
I then successfully linked it in my BB account, but when I tried to add fund from the card, it was denied. The language was that, strangely, I did not activate my permanent BB card rather than anything to do with the MC gc. Any idea?
Jan 20, 2014, 2:39 am
#3017
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,463
got three MC gc from OM promotion, called to set pins
I then successfully linked it in my BB account, but when I tried to add fund from the card, it was denied. The language was that, strangely, I did not activate my permanent BB card rather than anything to do with the MC gc. Any idea?
I then successfully linked it in my BB account, but when I tried to add fund from the card, it was denied. The language was that, strangely, I did not activate my permanent BB card rather than anything to do with the MC gc. Any idea?
Jan 20, 2014, 8:44 am
#3019
Join Date: Dec 2013
Posts: 76
I used a $500 Vanilla Visa GC from 7-Eleven, 2 - $200 MC GCs from the OM promotion and $100 from a $200 Visa GC from the AmEx Staples promotion to get a $1000 MO at the WM CS counter. I paid the $0.70 fee in cash, and all the GCs had PINs, of course.
For the MC GCs I had to press "other payment" (I think - I wasn't paying enough attention) and then "Debit" on the screen after swiping, but otherwise it was a breeze.
For the MC GCs I had to press "other payment" (I think - I wasn't paying enough attention) and then "Debit" on the screen after swiping, but otherwise it was a breeze.
Unfortunately, not all WM stores seem to be using the same system because this didn't work on the previous attempt. Good luck!
Jan 21, 2014, 5:39 pm
#3020
Join Date: Dec 2013
Posts: 137
This was my experience with the current OM MC gift cards after trying a couple different WMs trying to empty my cards. The touch screen on the swipe terminal had the yellow "Change Payment" button appear. Hit that button, select debit, and empty away.
Unfortunately, not all WM stores seem to be using the same system because this didn't work on the previous attempt. Good luck!
Unfortunately, not all WM stores seem to be using the same system because this didn't work on the previous attempt. Good luck!
Jan 21, 2014, 6:00 pm
#3021
Join Date: Feb 2004
Location: Syosset, NY, USA
Posts: 125
thank you for sharing your experience. Did you do multiple MC cards this way? Or did you one MO at a time for 3 cards? What i mean to ask is Can you split a $599 MO across 3 MasterCards which have 200 each in them? I read that splitting might not be possible and might have to go for 3 diferent MO.
Jan 23, 2014, 5:59 pm
#3022
Join Date: Oct 2013
Posts: 120
sorry if this has been answered before, but what is the best method to liquidate small amounts left over after taking out the MO (like 1 dollar, 1.2 dollars, etc.)? TIA
Jan 23, 2014, 6:21 pm
#3023
Join Date: May 2013
Location: Denver
Posts: 111
You could use the remainders of multiple cards in one transaction, how many depends on how many cards the terminal can handle in one transaction.
Examples I have confirmed: Target and Walgreens. I'm sure others can chime in with more.
Jan 23, 2014, 7:25 pm
#3024
Join Date: Oct 2013
Posts: 120
Some store POS terminals are able to swipe a gift card (as credit) and determine the remaining amount on their own. They will zero out the card and request additional payment for the balance. There may be steps along the way for you to approve, depending on the terminal.
You could use the remainders of multiple cards in one transaction, how many depends on how many cards the terminal can handle in one transaction.
Examples I have confirmed: Target and Walgreens. I'm sure others can chime in with more.
You could use the remainders of multiple cards in one transaction, how many depends on how many cards the terminal can handle in one transaction.
Examples I have confirmed: Target and Walgreens. I'm sure others can chime in with more.
Thanks for the tip on target and walgreens. I regularly shop at Target and this will come in handy.
Jan 23, 2014, 7:37 pm
#3025
Join Date: Dec 2013
Posts: 175
that's awesome. I actually did this at Jimmy Johns and it works fine (you just have to know the exact amount on your gift card). Also, probably not a good idea to do it when there is a huge line at the checkout counter.
Thanks for the tip on target and walgreens. I regularly shop at Target and this will come in handy.
Thanks for the tip on target and walgreens. I regularly shop at Target and this will come in handy.
Jan 23, 2014, 7:48 pm
#3026
Join Date: Jan 2012
Location: Southern California
Programs: UA Platinum, Marriott Gold, SPG Gold, Club Carlson Gold
Posts: 317
I clear out small amounts at Ralphs grocery store - register automatically drains.
Jan 23, 2014, 7:56 pm
#3029
Join Date: Mar 2012
Posts: 784
deleted
Last edited by wcj; Jun 29, 2014 at 4:08 pm
Jan 23, 2014, 8:06 pm
#3030
Join Date: Oct 2013
Posts: 120
Ralph's is Kroger in your area. Speedway works too, but why do you have these small amounts left? One should be able to figure out the amount to order based upon MO fees, like $999.30 is the popular one, but $499.42 is easy as well. Seems to me that a bunch of $1 cards lying around would be easily lost.