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 5, 2014, 7:35 am
#3376
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Did the "BB problems all day" of April 3 carry into April 4? I went to WM, kiosk was working, I tried to reload my BB with an OV card and a Metabank VGC. With either card the kiosk would ask me for the PIN, I would enter the PIN and it would just keep asking for the PIN over and over again. No error message no nothing, just kept reprompting for PIN. I'll have to try again another day. Anyone else had this happen to them?
Apr 5, 2014, 10:16 am
#3377
Join Date: Feb 2014
Posts: 60
No CVS near me. So I have been doing the birthday cake cards at Wal-Mart with no problem to meet the 10K spend on the new AA card. Went in today to load my last gift card to the BB but got "DEBIT NOT APPROVED CALL AUTHORIZER" Tried it twice with the same error. Hope this is not a bad sign. Just checked online and the card has a balance of $500. Anyone have a similar problem? Any suggestions? I guess the worst case I just use the GC for regular spend. But I am hoping to MS some points on my C.Carlson card.
Apr 5, 2014, 10:37 am
#3378
Join Date: Aug 2013
Location: Kansas City
Posts: 193
I had the same problem yesterday afternoon. I was wondering if it was an issue with my VCG's so I had them try my Suntrust debit card. Same result. Then when I looked at my suntrust bank account I could see a pending debit of $200 and a pending credit of $200; however, my VCG's showed no transactions as having occurred when I later checked the balances online.
Apr 5, 2014, 12:38 pm
#3379
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
Apr 5, 2014, 1:23 pm
#3380
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
Apr 5, 2014, 3:57 pm
#3381
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Apr 5, 2014, 6:02 pm
#3382
Join Date: Jan 2010
Location: EUG,PDX
Posts: 482
No CVS near me. So I have been doing the birthday cake cards at Wal-Mart with no problem to meet the 10K spend on the new AA card. Went in today to load my last gift card to the BB but got "DEBIT NOT APPROVED CALL AUTHORIZER" Tried it twice with the same error. Hope this is not a bad sign. Just checked online and the card has a balance of $500. Anyone have a similar problem? Any suggestions? I guess the worst case I just use the GC for regular spend. But I am hoping to MS some points on my C.Carlson card.
Apr 6, 2014, 9:58 am
#3383
Join Date: Nov 2013
Posts: 27
You make good points. I just don't think that the bloggers needed to send more and more folks to CVS to by beans when we had a good thing going.
We do know what led to the removal. The fees were higher for the cards. They could charge more fees because so many people were buying them. More people were buying them because folks in bowties were telling them how easy it was.
We do know what led to the removal. The fees were higher for the cards. They could charge more fees because so many people were buying them. More people were buying them because folks in bowties were telling them how easy it was.
Apr 6, 2014, 10:30 am
#3384
Join Date: Mar 2004
Location: Central Texas
Programs: Starwood Gold , HH Gold, Hyatt Gold, Aadvantage, Rapid Rewards CP
Posts: 1,586
Used the machine to load bb last night...no reciept, screen showed succes so continued. Had the lady at the customer service desk yelling at me that the machine was broken and I acknowledged her and kept on. Checked BB and all fine.
Apr 6, 2014, 11:48 am
#3385
Join Date: Jun 2009
Location: DFW
Posts: 454
I had the same problem yesterday afternoon. I was wondering if it was an issue with my VCG's so I had them try my Suntrust debit card. Same result. Then when I looked at my suntrust bank account I could see a pending debit of $200 and a pending credit of $200; however, my VCG's showed no transactions as having occurred when I later checked the balances online.
Apr 6, 2014, 12:04 pm
#3386
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Anyone else running into trouble with this? I have a variable load US Bank $500 Visa (from Kroger) that isn't loading at kiosk or with a cashier. No pending transactions on line - verified $500 is on it. Getting Debit not available message. Tried two days at two locations.
Apr 6, 2014, 11:56 pm
#3387
Join Date: Jun 2009
Location: DFW
Posts: 454
Hopefully a Monday morning bump..
Has anyone succesfully loaded a US Bank Visa card - and when? I have a $500 variable that I bought from Kroger, and 10 100 dollar ones that I also bought from Kroger, and none of them are working kiosk or cashier.
I did a pretty thorough search, and US Bank didn't come up on commonly discussed failed debit threads, and I also checked popular blogs and comments - and there were some data points there were issues with this card last year when cards first became PIN-able, but nothing recently. With as many people that double dip with Kroger fuel points, I hope someone has a recent data point.
Has anyone succesfully loaded a US Bank Visa card - and when? I have a $500 variable that I bought from Kroger, and 10 100 dollar ones that I also bought from Kroger, and none of them are working kiosk or cashier.
I did a pretty thorough search, and US Bank didn't come up on commonly discussed failed debit threads, and I also checked popular blogs and comments - and there were some data points there were issues with this card last year when cards first became PIN-able, but nothing recently. With as many people that double dip with Kroger fuel points, I hope someone has a recent data point.
Apr 7, 2014, 2:34 am
#3388
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
Hopefully a Monday morning bump..
Has anyone succesfully loaded a US Bank Visa card - and when? I have a $500 variable that I bought from Kroger, and 10 100 dollar ones that I also bought from Kroger, and none of them are working kiosk or cashier.
I did a pretty thorough search, and US Bank didn't come up on commonly discussed failed debit threads, and I also checked popular blogs and comments - and there were some data points there were issues with this card last year when cards first became PIN-able, but nothing recently. With as many people that double dip with Kroger fuel points, I hope someone has a recent data point.
Has anyone succesfully loaded a US Bank Visa card - and when? I have a $500 variable that I bought from Kroger, and 10 100 dollar ones that I also bought from Kroger, and none of them are working kiosk or cashier.
I did a pretty thorough search, and US Bank didn't come up on commonly discussed failed debit threads, and I also checked popular blogs and comments - and there were some data points there were issues with this card last year when cards first became PIN-able, but nothing recently. With as many people that double dip with Kroger fuel points, I hope someone has a recent data point.
Apr 7, 2014, 3:15 am
#3390
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
Sigh.... I would call the number and say, I'm trying to use the card with the pin and the transaction wont go through. You do not have to tell them what you are doing...
BTW, been in this game far to long to be told able the stupid fight club..