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).
#346
A FlyerTalk Posting Legend
Join Date: Sep 2002
Location: LAX/TPE
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Picked up 10 $200 Vanilla cards today at OD - off to money order land tomorrow (not Walmart) to give them a try, although I'm tempted to stop by my bank to see if they can attempt a cash advance.
I went to pre-register them, but the only PIN option is to clear the PIN you set at POS, and the only registration option is to add a zip code, so hopefully all I need is a swipe, enter 4 digits, and toss the empty card.
I went to pre-register them, but the only PIN option is to clear the PIN you set at POS, and the only registration option is to add a zip code, so hopefully all I need is a swipe, enter 4 digits, and toss the empty card.
#347
Join Date: Mar 2013
Posts: 53
Picked up 10 $200 Vanilla cards today at OD - off to money order land tomorrow (not Walmart) to give them a try, although I'm tempted to stop by my bank to see if they can attempt a cash advance.
I went to pre-register them, but the only PIN option is to clear the PIN you set at POS, and the only registration option is to add a zip code, so hopefully all I need is a swipe, enter 4 digits, and toss the empty card.
I went to pre-register them, but the only PIN option is to clear the PIN you set at POS, and the only registration option is to add a zip code, so hopefully all I need is a swipe, enter 4 digits, and toss the empty card.
Good luck! Are you going to try to use 4x200 (i believe someone state that 4 is the max per transaction). Please let us know the results or PM if you don't mind.
#348
Join Date: Dec 2011
Location: ORD
Posts: 701
I have been able to use 4 $200 cards at Wally for a MO. I haven't tried five. My local grocery store is saying they can and they charge .59 for a MO.
#349
Join Date: Apr 2013
Posts: 6
I read all 25 pages, can someone explain why wouldn't people just get $500 cards and buy money orders with the pin? Why the hassle to go through BB?
Money orders are only 79 cents per roughly.. right?
Money orders are only 79 cents per roughly.. right?
#350
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
I imagine the cost / ease of BB....you can load BB with no fee and pay a bill that can be received as soon as next business day...No need to mail MOs or deposit..etc.
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...
#351
Join Date: Apr 2013
Posts: 6
I imagine the cost / ease of BB....you can load BB with no fee and pay a bill that can be received as soon as next business day...No need to mail MOs or deposit..etc.
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...
#352
Join Date: Apr 2013
Posts: 250
Depositing large amount of cash/money order to your bank account will raise a red flag and might suspend/close your account.
#353
Join Date: Oct 2007
Programs: Marriott, Radisson, AA, UA
Posts: 360
I tried to use $500 Vanilla Visa gc today at the post office for money order, but got denied. I didn't even get to the stage to enter PIN.
Anyone has issue with these Bancorp Vanilla visa gcs?
#354
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
There are recent reports on one of the blog comment sections by user "Tom" that Vanilla worked at Walmart. I haven't personally verified...
#355
A FlyerTalk Posting Legend
Join Date: Sep 2002
Location: LAX/TPE
Programs: United 1K, JAL Sapphire, SPG Lifetime Platinum, National Executive Elite, Hertz PC, Avis PC
Posts: 42,205
Who denied you? the postal clerk or the point of sale system? if the former, the form of payment is not their personal choice - a debit is a debit. Try another PO or another clerk. If the latter, did you swipe the card and the system showed an invalid form of payment?
#356
Join Date: Feb 2013
Posts: 801
It's a bit cheaper. BB has free billpay and free checks. money orders might draw more attention.
#357
Join Date: Mar 2013
Posts: 53
1. Your credit limit with which you are buying the 2500 in MOs.
2. Your CC issuer's tolerance for spending 2500 in one day compared to your income level, payment history, points abuse, etc.
3. The number of bank accounts available for you to deposit 2500. 2500 in MO orders 30 days in a row is probably going to draw attention.
use both, rock on
#358
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
If anyone has gotten the One Vanilla's to successfully work for MOs I would appreciate a PM.^
I have conducted my own tests on other cards, including this one.
Thanks in advance.
I have conducted my own tests on other cards, including this one.
Thanks in advance.
#359
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
I imagine the cost / ease of BB....you can load BB with no fee and pay a bill that can be received as soon as next business day...No need to mail MOs or deposit..etc.
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...
No need to choose between one or the other...it's nice to have multiple options when manufacturing spend...