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 12, 2013, 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?
Have they now started restricting cash back? Any one else had a similar experience today?
Apr 12, 2013, 7:56 pm
#377
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
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?
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.
Apr 12, 2013, 8:28 pm
#380
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
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.
Apr 12, 2013, 8:30 pm
#381
Join Date: Feb 2013
Posts: 801
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.
http://thepointstraveler.com/follow-...sa-gift-cards/
I just can't justify giving my SSN on that order...I don't like that.
Apr 12, 2013, 8:33 pm
#382
Join Date: Aug 2012
Location: the south of Cal
Posts: 26
deleted
Last edited by milester; Apr 13, 2013 at 1:19 pm
Apr 12, 2013, 8:56 pm
#383
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
"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.
Apr 12, 2013, 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...
Meta bank visa gift card...PIN purchase only :success ...PIN purchase and cash back :FAIL...
Apr 12, 2013, 8:57 pm
#385
Join Date: Jul 2012
Programs: American Airlaines, Delta SkyMiles, United, BA, HH, Marriott, SPG, Priority Club
Posts: 160
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.
Apr 12, 2013, 9:00 pm
#386
Join Date: Oct 2012
Posts: 164
In addition, certain vendors have overrides at the POS when you announce "I am paying by debit card" to the cashier.
Apr 12, 2013, 9:06 pm
#388
Join Date: Aug 2012
Location: the south of Cal
Posts: 26
deleted
Last edited by milester; Apr 13, 2013 at 1:19 pm
Apr 12, 2013, 9:13 pm
#389
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
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.
But I promise you, as soon as I swiped my card, the transaction processed like almost instantaneously.
Apr 12, 2013, 9:37 pm
#390
Join Date: Oct 2012
Posts: 970
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, 2013 at 10:09 pm