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 6, 2015, 7:39 am
#4021
Join Date: Jul 2014
Posts: 3,688
I have different observations when it comes to MSing at WMs and I have reasons to think this is related to a lot of people who have switched to RBs and now go to Target. More working Kates, easy loading of VGCs at regular registers, and contrary to most reports that B/P no longer works, IME, they are still working at most branches in states where there are plenty of WMs.
Jan 6, 2015, 10:21 am
#4022
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,929
Today I saw it is happening, 2 persons(African-American) holding bunch of 200 master gc un opened. Making endless money transfer wmt to wmt. They were holding the line for 1hr. People in the line were loosing patience. CSM walked in and started another register.
They were making 800 payments, missing the change payment option in the screen, exceeding 8 swipes what not. Each txn has to voided couple of times before succeed. Looks like Walmart thing will not last long.
They were making 800 payments, missing the change payment option in the screen, exceeding 8 swipes what not. Each txn has to voided couple of times before succeed. Looks like Walmart thing will not last long.
Jan 6, 2015, 10:30 am
#4023
Join Date: Nov 2014
Posts: 197
We should put a disclaimer in the wiki for this thread.
*Don't believe pretty much anything you read in this thread outside of the wiki*
*Don't believe pretty much anything you read in this thread outside of the wiki*
Jan 6, 2015, 10:49 am
#4025
Join Date: Aug 2013
Posts: 1,207
Jan 6, 2015, 2:56 pm
#4027
Join Date: Nov 2013
Location: Sacramento, CA
Posts: 437
I am just in disbelief how some people can get away with so much when I can't even load a 200 GC at a Kate without being harassed.
Jan 6, 2015, 3:40 pm
#4028
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Today I saw it is happening, 2 persons holding bunch of 200 master gc un opened. Making endless money transfer wmt to wmt. They were holding the line for 1hr. People in the line were loosing patience. CSM walked in and started another register.
They were making 800 payments, missing the change payment option in the screen, exceeding 8 swipes what not. Each txn has to voided couple of times before succeed. Looks like Walmart thing will not last long.
They were making 800 payments, missing the change payment option in the screen, exceeding 8 swipes what not. Each txn has to voided couple of times before succeed. Looks like Walmart thing will not last long.
Jan 6, 2015, 3:59 pm
#4029
Join Date: Aug 2013
Location: Seattle
Programs: Delta Platinum
Posts: 36
EMV and gift cards
Sorry if this has been discussed already (search for EMV yields no hits).
Now that credit card machines are being converted to EMV (chip enabled cards) and merchants will be responsible for fraud as of October of this year (I believe) if they don't convert, how will that affect gift cards?
Will gift cards be EMV enabled too? Isn't that cost prohibitive? Even if you can still swipe on EMV credit card machines, will merchants allow this if they are on the hook for fraudulent use.
Does anyone have any insight?
Now that credit card machines are being converted to EMV (chip enabled cards) and merchants will be responsible for fraud as of October of this year (I believe) if they don't convert, how will that affect gift cards?
Will gift cards be EMV enabled too? Isn't that cost prohibitive? Even if you can still swipe on EMV credit card machines, will merchants allow this if they are on the hook for fraudulent use.
Does anyone have any insight?
Jan 6, 2015, 4:19 pm
#4030
Join Date: Aug 2014
Location: MSP
Programs: AGR S+, Marriott Plat, HHonors Diamond, Hyatt Explorist
Posts: 100
Jan 6, 2015, 10:18 pm
#4032
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,257
Assume for the moment that you work for one of the companies that we are currently exploiting - Walmart, Amex (Bluebird), OfficeMax, Chase or any of the credit card companies. Assume also that you actually care about your job, either out of simple self-interest (you don't want to get fired), or perhaps you actually take some pride in your work (probably doesn't go real far for the average Walmart cashier, but is valid to varying degrees to others up the chain). Put yourself in their shoes for a minute.
You know there are people always looking to scam the system, one way or another - you're warned about this every day, from your boss to the federal government. The most obvious are actual criminals, fraudsters, money launders, low-lifes of one sort or another. It is part of your job (maybe your entire job) to stop them. Now you see an endless stream of weird characters who are obviously playing some shady game - clutching stacks of gift cards, moving shockingly large sums of money around (compared to most actual customers) - it's clear to anyone who is paying any attention that they are involved in something way, way outside of normal customer behavior, but exactly what, you can't tell. But you know it's something. They may not be violating some specific rule (although you'll look for one, maybe make one up), but you can easily tell that they are up to no good. What's worse: not only are they obviously running some kind of scam, they are doing it at your expense, one way or another. They are rubbing your nose in it, playing you for a fool, and almost daring you to stop them. You know these characters are scamming the store/bank/company, and it's your job to not let that happen. They take you for a chump. You gonna let them play you for a sucker?
Nobody likes to be made a fool of. It's certainly not good for your career. At some point, those who feel they are are being played for suckers are going to decide to make your life difficult, one way or another. Can you blame them?
Is it really so hard to understand why someone on the receiving end of MS activities (especially when those activities are so hopelessly inept) would make it a point to block them?
Honestly, if I was a drone at a Walmart MC (or a Loss Prevention Specialist at Chase), I'd make it my personal mission to make life complete hell for all of us MSers.
Simple human nature, IMHO.
Jan 7, 2015, 7:20 am
#4033
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
You seem to be completely oblivious to some pretty basic, obvious human reactions.
Assume for the moment that you work for one of the companies that we are currently exploiting - Walmart, Amex (Bluebird), OfficeMax, Chase or any of the credit card companies. Assume also that you actually care about your job, either out of simple self-interest (you don't want to get fired), or perhaps you actually take some pride in your work (probably doesn't go real far for the average Walmart cashier, but is valid to varying degrees to others up the chain). Put yourself in their shoes for a minute.
You know there are people always looking to scam the system, one way or another - you're warned about this every day, from your boss to the federal government. The most obvious are actual criminals, fraudsters, money launders, low-lifes of one sort or another. It is part of your job (maybe your entire job) to stop them. Now you see an endless stream of weird characters who are obviously playing some shady game - clutching stacks of gift cards, moving shockingly large sums of money around (compared to most actual customers) - it's clear to anyone who is paying any attention that they are involved in something way, way outside of normal customer behavior, but exactly what, you can't tell. But you know it's something. They may not be violating some specific rule (although you'll look for one, maybe make one up), but you can easily tell that they are up to no good. What's worse: not only are they obviously running some kind of scam, they are doing it at your expense, one way or another. They are rubbing your nose in it, playing you for a fool, and almost daring you to stop them. You know these characters are scamming the store/bank/company, and it's your job to not let that happen. They take you for a chump. You gonna let them play you for a sucker?
Nobody likes to be made a fool of. It's certainly not good for your career. At some point, those who feel they are are being played for suckers are going to decide to make your life difficult, one way or another. Can you blame them?
Is it really so hard to understand why someone on the receiving end of MS activities (especially when those activities are so hopelessly inept) would make it a point to block them?
Honestly, if I was a drone at a Walmart MC (or a Loss Prevention Specialist at Chase), I'd make it my personal mission to make life complete hell for all of us MSers.
Simple human nature, IMHO.
Assume for the moment that you work for one of the companies that we are currently exploiting - Walmart, Amex (Bluebird), OfficeMax, Chase or any of the credit card companies. Assume also that you actually care about your job, either out of simple self-interest (you don't want to get fired), or perhaps you actually take some pride in your work (probably doesn't go real far for the average Walmart cashier, but is valid to varying degrees to others up the chain). Put yourself in their shoes for a minute.
You know there are people always looking to scam the system, one way or another - you're warned about this every day, from your boss to the federal government. The most obvious are actual criminals, fraudsters, money launders, low-lifes of one sort or another. It is part of your job (maybe your entire job) to stop them. Now you see an endless stream of weird characters who are obviously playing some shady game - clutching stacks of gift cards, moving shockingly large sums of money around (compared to most actual customers) - it's clear to anyone who is paying any attention that they are involved in something way, way outside of normal customer behavior, but exactly what, you can't tell. But you know it's something. They may not be violating some specific rule (although you'll look for one, maybe make one up), but you can easily tell that they are up to no good. What's worse: not only are they obviously running some kind of scam, they are doing it at your expense, one way or another. They are rubbing your nose in it, playing you for a fool, and almost daring you to stop them. You know these characters are scamming the store/bank/company, and it's your job to not let that happen. They take you for a chump. You gonna let them play you for a sucker?
Nobody likes to be made a fool of. It's certainly not good for your career. At some point, those who feel they are are being played for suckers are going to decide to make your life difficult, one way or another. Can you blame them?
Is it really so hard to understand why someone on the receiving end of MS activities (especially when those activities are so hopelessly inept) would make it a point to block them?
Honestly, if I was a drone at a Walmart MC (or a Loss Prevention Specialist at Chase), I'd make it my personal mission to make life complete hell for all of us MSers.
Simple human nature, IMHO.
Jan 7, 2015, 4:20 pm
#4034
Join Date: Sep 2012
Location: HNL
Programs: Aadvantage ExPlt, SPG Platinum 100, Alaska 75K
Posts: 372
Does anyone know what's up with phone number for the us bank gcs that are sold at ralph's/kroger. I keep getting a rapid busy signal or a message that its a bad number when i call in to set a pin. I've tried from several different phones, so i don't think the problem is on my end.
The number i am calling is 866.952.9653
The number i am calling is 866.952.9653
Jan 7, 2015, 4:32 pm
#4035
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Does anyone know what's up with phone number for the us bank gcs that are sold at ralph's/kroger. I keep getting a rapid busy signal or a message that its a bad number when i call in to set a pin. I've tried from several different phones, so i don't think the problem is on my end.
The number i am calling is 866.952.9653
The number i am calling is 866.952.9653