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).
Mar 6, 2015, 9:55 am
#4096
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Am I reading right that any "debit" labeled card does NOT ask for a pin if the transaction is under $50?
Mar 6, 2015, 10:41 am
#4097
Join Date: Jun 2011
Programs: UA
Posts: 27
Help! just bought loads of $50 Visa GF at Office Depot to maximize the 5x points on the Chase Ink Plus. Office Depot is now offering $10 rebate when buying two $50 GC, so in essence you get the cards for free since the rebate covers the activation fee. Then tried buying MO at Publix and 7/11 and in both cases using the debit with PIN resulted in "Card Not Authorized." There was no clerk involved, the POS reader declined the cards. I tried buying a $400 money order using 8 cards at once. I didn't try buying a lower value MO, but I don't think that was the issue since when you buy merchandise exceeding the value on the card, the balance due will adjust and you then swipe the next card. And I do not live near a Wal-Mart where other flyers say this isn't an issue.
Edit:
Apparently the above is not always true. I see in another thread that POS terminals at some grocery stores actually do auto-drain debit cards. But still, not all POS are that smart.
Last edited by hamnori; Mar 6, 2015 at 9:28 pm
Mar 7, 2015, 6:39 am
#4100
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Mar 7, 2015, 7:03 pm
#4101
Join Date: Jan 2014
Location: North America
Programs: Marriott Bonvoy Titanium, Hyatt Globalist, United Silver
Posts: 32
Run into issue today when loading Meta VGC to Kate. First $500 load went in fine, but the 2nd $500 load was rejected with DEBIT NOT APPROVED (57) message. Check balance and lo behold, its showing the $2nd 500 did went through and card balance is down to 0. Called Kate's CSR and she can see the 1st load but nothing about the 2nd load at all and have to elevate it to support, then advised it might take up 10 days for response and resolution might take up to 40 days. 
Anyone ever run into this problem?
Anyone ever run into this problem?
Mar 7, 2015, 7:25 pm
#4102
Join Date: Feb 2015
Programs: HHonors: Gold Hyatt: Platinum
Posts: 22
Run into issue today when loading Meta VGC to Kate. First $500 load went in fine, but the 2nd $500 load was rejected with DEBIT NOT APPROVED (57) message. Check balance and lo behold, its showing the $2nd 500 did went through and card balance is down to 0. Called Kate's CSR and she can see the 1st load but nothing about the 2nd load at all and have to elevate it to support, then advised it might take up 10 days for response and resolution might take up to 40 days.
Anyone ever run into this problem?
Anyone ever run into this problem?
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
Mar 7, 2015, 7:26 pm
#4103
Join Date: Jan 2014
Location: North America
Programs: Marriott Bonvoy Titanium, Hyatt Globalist, United Silver
Posts: 32
Mar 7, 2015, 7:29 pm
#4104
Join Date: Feb 2015
Programs: HHonors: Gold Hyatt: Platinum
Posts: 22
Did you hit the monthly limit on Serve/BB?
Mar 7, 2015, 7:30 pm
#4105
Join Date: Jan 2014
Location: North America
Programs: Marriott Bonvoy Titanium, Hyatt Globalist, United Silver
Posts: 32
Mar 8, 2015, 9:37 am
#4106
Join Date: Jul 2014
Posts: 3,688
did you keep the receipt where it says "debit not approved" or whatever printed out after failed transfer for that GC? that will be your proof if you have to deal with WM cash department to get your money back IN CASE your funds aren't back to your GC in 24 to 48 hrs. For now, get busy with other things and don't worry about it.
Mar 8, 2015, 2:48 pm
#4107
Join Date: Jan 2014
Location: North America
Programs: Marriott Bonvoy Titanium, Hyatt Globalist, United Silver
Posts: 32
Sure did. It's moot point though. Just check the balance again and its back to $500. Maybe its just a temporary hold? I never seen the balance got taken out before though, when Kate reject the load.
Mar 8, 2015, 6:02 pm
#4108
Join Date: May 2014
Posts: 527
If you didn't hit the monthly limit, then something else is up with that card.
Mar 9, 2015, 4:27 am
#4109
Join Date: Jun 2014
Location: Gulf Coast of FL
Posts: 115
Mar 11, 2015, 10:31 pm
#4110
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,463
why are there talks about loading kate in this thread? There is a thread just for this very subject...