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 17, 2015, 11:12 pm
#4111
Join Date: Mar 2015
Posts: 6
I've had varying levels of success recently buying Walmart MOs with USB MCGCs.
One store near me has these terminals and I have been able to use the Mastercard GCs by hitting Change Payment... however today I was not able to hit the yellow button before it went away and declined payment for running as credit. I had the cashier try it again and it still did not register me hitting Change Payment
The wiki says timing is critical... but are there factors that affect this? Is there a cashier response on their screen that determines how long the screen with "Change Payment" is available? Should I just keep hitting the screen or the yellow button repeatedly and hope it registers me pressing it when "Change Payment" flashes on the screen?
Unfortunately, the other 2 stores near me have the even newer (EMV) terminals. These all instantly recognize the USB MCGC as credit, is there any workaround for these?
Thanks for any help
One store near me has these terminals and I have been able to use the Mastercard GCs by hitting Change Payment... however today I was not able to hit the yellow button before it went away and declined payment for running as credit. I had the cashier try it again and it still did not register me hitting Change Payment
The wiki says timing is critical... but are there factors that affect this? Is there a cashier response on their screen that determines how long the screen with "Change Payment" is available? Should I just keep hitting the screen or the yellow button repeatedly and hope it registers me pressing it when "Change Payment" flashes on the screen?
Unfortunately, the other 2 stores near me have the even newer (EMV) terminals. These all instantly recognize the USB MCGC as credit, is there any workaround for these?
Thanks for any help
Mar 18, 2015, 3:17 pm
#4112
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
I've had varying levels of success recently buying Walmart MOs with USB MCGCs.
One store near me has these terminals and I have been able to use the Mastercard GCs by hitting Change Payment... however today I was not able to hit the yellow button before it went away and declined payment for running as credit. I had the cashier try it again and it still did not register me hitting Change Payment
The wiki says timing is critical... but are there factors that affect this? Is there a cashier response on their screen that determines how long the screen with "Change Payment" is available? Should I just keep hitting the screen or the yellow button repeatedly and hope it registers me pressing it when "Change Payment" flashes on the screen?
Unfortunately, the other 2 stores near me have the even newer (EMV) terminals. These all instantly recognize the USB MCGC as credit, is there any workaround for these?
Thanks for any help
One store near me has these terminals and I have been able to use the Mastercard GCs by hitting Change Payment... however today I was not able to hit the yellow button before it went away and declined payment for running as credit. I had the cashier try it again and it still did not register me hitting Change Payment
The wiki says timing is critical... but are there factors that affect this? Is there a cashier response on their screen that determines how long the screen with "Change Payment" is available? Should I just keep hitting the screen or the yellow button repeatedly and hope it registers me pressing it when "Change Payment" flashes on the screen?
Unfortunately, the other 2 stores near me have the even newer (EMV) terminals. These all instantly recognize the USB MCGC as credit, is there any workaround for these?
Thanks for any help
Mar 19, 2015, 12:04 am
#4113
Join Date: Mar 2015
Posts: 6
With the MasterCard GCs, I think it's just a timing issue hitting the Change Payment button... but recently it goes away so quickly I can't press it
Mar 19, 2015, 4:59 am
#4114
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA EXP, DL-Plat, WN-CP | Hotels: Choice-Gld, IHG-Plt, Rad-Gld, HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,889
Mar 19, 2015, 12:52 pm
#4117
Join Date: Mar 2015
Posts: 6
No KATEs in my area seem to work, I've tried 5 different WMs and on all of them when pressing Money Order it directs you to the service desk. I thought they may have been out of paper as I've read previously, however one of the stores has a laminated sign on KATE saying that all MOs must be purchased at the desk. I'm in California btw.
Mar 24, 2015, 2:00 pm
#4118
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,088
first failure w/BB at WM
Bought a $500 US Bank Variable Debit/GC (Visa) at Kroger today. Went to Walmart and couldn't load it onto my BB. First failure ever. Tried 2 diff. stores. No love. 
I live in Idaho.
Will any Debit/GC ($500) work at WM?
[Will try work-around mentioned in wiki tomorrow.]
I live in Idaho.
Will any Debit/GC ($500) work at WM?
[Will try work-around mentioned in wiki tomorrow.]
Last edited by philemer; Mar 24, 2015 at 4:40 pm Reason: added "Visa"
Mar 24, 2015, 3:41 pm
#4119
Join Date: Feb 2003
Location: Khyber Pakhtunkhwa
Posts: 1,929
Buy the VISA instead
Hmm, is it actually Activated ? try to buy a banana, pack of gum, or whatever without using a PIN
Hmm, is it actually Activated ? try to buy a banana, pack of gum, or whatever without using a PIN
Last edited by Alcibiades; Mar 25, 2015 at 5:15 am
Mar 24, 2015, 4:39 pm
#4120
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,088
Mar 24, 2015, 4:53 pm
#4121
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA EXP, DL-Plat, WN-CP | Hotels: Choice-Gld, IHG-Plt, Rad-Gld, HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,889
Kate or Register? Or, both attempted?
Mar 24, 2015, 5:21 pm
#4122
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,088
Register only. No Kate.
My first attempt I used the last 4 digits on the front of the card as the PIN so that may have caused the problem. I then called Visa and reset the PIN. Tried again and no love.
Called a few minutes and asked the Visa rep. to reset the card because of using the "last 4" as a PIN. She reset it so will try again tomorrow. Irritating.
Thx
My first attempt I used the last 4 digits on the front of the card as the PIN so that may have caused the problem. I then called Visa and reset the PIN. Tried again and no love.
Called a few minutes and asked the Visa rep. to reset the card because of using the "last 4" as a PIN. She reset it so will try again tomorrow. Irritating.
Thx
Mar 27, 2015, 1:45 pm
#4123
Join Date: Feb 2014
Posts: 253
Saw that if you buy $50 worth of groceries at Publix, you get a $50 VCG for $40. The coupon said 1 coupon per person etc..but the lady in front of me bought $500 worth of Sushi and get 10 cards for $40 /ea. YMMV.
Mar 27, 2015, 7:58 pm
#4124
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,088
Register only. No Kate.
My first attempt I used the last 4 digits on the front of the card as the PIN so that may have caused the problem. I then called Visa and reset the PIN. Tried again and no love.
Called a few minutes and asked the Visa rep. to reset the card because of using the "last 4" as a PIN. She reset it so will try again tomorrow. Irritating.
Thx
My first attempt I used the last 4 digits on the front of the card as the PIN so that may have caused the problem. I then called Visa and reset the PIN. Tried again and no love.
Called a few minutes and asked the Visa rep. to reset the card because of using the "last 4" as a PIN. She reset it so will try again tomorrow. Irritating.
Thx
The reset did the trick. I should have reset the PIN as soon as I bought it like I usually do. I unloaded the $500 at the Money Center with the assistance of a cheerful young lady.
Mar 30, 2015, 1:40 pm
#4125
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
Please post this information to the wiki. This question is asked frequently relating to US Bank cards. Please be specific as to what you ask the rep to do because apparently there is more than one thing they can reset.