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PIN available now for Visa/MC prepaid debit cards(2013-2016).

PIN available now for Visa/MC prepaid debit cards(2013-2016).

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Old Feb 3, 17, 2:04 am   -   Wikipost
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There is a new thread for 2017: http://www.flyertalk.com/forum/manuf...ds-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
  • 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.
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Old Apr 12, 13, 7:53 pm
  #376  
 
Join Date: Oct 2012
Posts: 207
I bought a $200 fixed load Visa card from Staples. It is from Metabank. I had set up the PIN online and then also on the phone. I tried to use it for cash back at Walmart and it was declined. I called customer service and they said cash back is restricted. I tried it multiple times and it failed every time.

Have they now started restricting cash back? Any one else had a similar experience today?
cyclotron is offline  
Old Apr 12, 13, 7:56 pm
  #377  
 
Join Date: Jan 2012
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Originally Posted by cyclotron View Post
I bought a $200 fixed load Visa card from Staples. It is from Metabank. I had set up the PIN online and then also on the phone. I tried to use it for cash back at Walmart and it was declined. I called customer service and they said cash back is restricted. I tried it multiple times and it failed every time.

Have they now started restricting cash back? Any one else had a similar experience today?

Just load it to bluebird then cash that out...no worries.
ricohitman is offline  
Old Apr 12, 13, 7:59 pm
  #378  
 
Join Date: Oct 2012
Posts: 207
Originally Posted by ricohitman View Post
Just load it to bluebird then cash that out...no worries.
I have access to Vanilla Reloads. So I do not need to load to bluebird this way. I was trying to use cash back as one more source of spend.
cyclotron is offline  
Old Apr 12, 13, 8:25 pm
  #379  
 
Join Date: Feb 2013
Posts: 800
nm...
WhateverDude is offline  
Old Apr 12, 13, 8:28 pm
  #380  
 
Join Date: Jan 2008
Location: ATL/LAX
Posts: 4,867
Couldn't use my US Bank MC gift cards w/ PIN at a WM today for MO. I'll try another WM later, otherwise just AP them.
amolkold is offline  
Old Apr 12, 13, 8:30 pm
  #381  
 
Join Date: Feb 2013
Posts: 800
Originally Posted by ricohitman View Post
Looks like someone has an update on buying the chase prepaid cards temporarily with no fee. They have pin feature and can be loaded to BB.

http://thepointstraveler.com/follow-...sa-gift-cards/

I just can't justify giving my SSN on that order...I don't like that.
"So purchasing money orders or loading Bluebird at Wal-Mart should be no problem"...just because it works as a PIN debit transaction to buy some groceries has been proven to not always be true. ( e.g vanilla.) I'd like to have had him actually try it before posting.
WhateverDude is offline  
Old Apr 12, 13, 8:33 pm
  #382  
 
Join Date: Aug 2012
Location: the south of Cal
Posts: 26
deleted

Last edited by milester; Apr 13, 13 at 1:19 pm
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Old Apr 12, 13, 8:56 pm
  #383  
 
Join Date: Jan 2012
Programs: DL, WoH, UA, AA
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Originally Posted by WhateverDude View Post
"So purchasing money orders or loading Bluebird at Wal-Mart should be no problem"...just because it works as a PIN debit transaction to buy some groceries has been proven to not always be true. ( e.g vanilla.) I'd like to have had him actually try it before posting.
You're right. I didn't catch that. I almost read that as he tried it an had no problem, but in actuality he said "shouldn't be a problem" meaning he didn't try it. I'm sure that blogger will update in the future his findings...or maybe not. Maybe I'll PM him directly to see
ricohitman is offline  
Old Apr 12, 13, 8:57 pm
  #384  
 
Join Date: Jul 2010
Location: Midwest
Programs: AA LT Gold 1MM ,Hyatt Explorist,Marriott Platinum,HHonors Diamond
Posts: 364
Data point:
Meta bank visa gift card...PIN purchase only :success ...PIN purchase and cash back :FAIL...
OHijAAzi73 is offline  
Old Apr 12, 13, 8:57 pm
  #385  
 
Join Date: Jul 2012
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Originally Posted by lahaina View Post
I should also say that when it was working, there was an option to either put in PIN or change payment type but yesterday and today, it defaulted to cc method without so much giving me a chance to change method of payment.

If it defaults to credit, just press the cancel button and that will take you to a the screen that asks you if it is debit or credit, At least that has been my experience.
Jeremyh11 is offline  
Old Apr 12, 13, 9:00 pm
  #386  
 
Join Date: Oct 2012
Posts: 164
Originally Posted by Jeremyh11 View Post
If it defaults to credit, just press the cancel button and that will take you to a the screen that asks you if it is debit or credit, At least that has been my experience.
In addition, certain vendors have overrides at the POS when you announce "I am paying by debit card" to the cashier.
jm38750n is offline  
Old Apr 12, 13, 9:03 pm
  #387  
 
Join Date: Oct 2012
Posts: 167
Originally Posted by amolkold View Post
Couldn't use my US Bank MC gift cards w/ PIN at a WM today for MO. I'll try another WM later, otherwise just AP them.
AP'ing them wont work for the volume players.
MileageUpdate is offline  
Old Apr 12, 13, 9:06 pm
  #388  
 
Join Date: Aug 2012
Location: the south of Cal
Posts: 26
deleted

Last edited by milester; Apr 13, 13 at 1:19 pm
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Old Apr 12, 13, 9:13 pm
  #389  
 
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 417
I went to WM to load a $500 US Bank card to BB. When I first swiped it didn;t go through and there was a button on the swipe card screen which says 'Debit' I think and I touched it and then it processed as debit and it worked. Next time I go to WM, i will capture the info better and share with FT'ers.

Originally Posted by lahaina View Post
Perhaps my reflexes have become slow in the last two days of manufacturing But I promise you, as soon as I swiped my card, the transaction processed like almost instantaneously.
rambo is offline  
Old Apr 12, 13, 9:37 pm
  #390  
 
Join Date: Oct 2012
Posts: 957
Originally Posted by rambo View Post
I went to WM to load a $500 US Bank card to BB. When I first swiped it didn;t go through and there was a button on the swipe card screen which says 'Debit' I think and I touched it and then it processed as debit and it worked. Next time I go to WM, i will capture the info better and share with FT'ers.


I've also found the cashier/CSR can screw up the transaction on their end. Went today and twice had the terminal tell me "Alternate Tender Required" when using my Metabank "debit" cards. But turns out it was the CSR pushing the wrong buttons on his screen when trying to do split tender transaction causing the transaction to fail. He blamed it on the terminal, but I sarcastically said "blame it on the machine" and he turned bright red in embarrassment. Was funny, but I kept my head down and kept my mind on getting in and out.

For the first time, I used their kiosk to buy a $500 MO (max amount allowed so twice the cost) But it pissed the H out of me when it was "guiding" me thru the transaction - the thing was LOUD - everyone w/in 30' could hear I was buying a MO as the "helpful" female machine voice seemed to be on full volume. Since I had just bought $2K MO at the counter, I only bought one $500 MO. But never again - was simply too public for my taste to broadcast what you are doing - and was a safety issue - any thug could easily hear you had a few MOs in your hand - and WM attracts that sort of crowd. FWIW, swipe with my "debit" card went smoothly.

Last edited by farwest101; Apr 12, 13 at 10:09 pm
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