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).
May 3, 2016, 11:16 am
#4321
Suspended
Join Date: Apr 2016
Posts: 335
May 3, 2016, 11:20 am
#4322
Suspended
Join Date: Apr 2016
Posts: 335
Got it. My question was actually about the best Numbers strategy for buying MO's with These, considering the 4-swipe limit per transaction at WM. With The $200's, I buy MO for $799.30, and do 4 swipes of $200 Each. Like to keep things in multiples of 4, LOL, for simplicity. I Tell them, for example, that I want 4, $799.30 MO's, but please do each as a separate transaction (they dont mind). That way, I can keep doing my 4 swipe deal, per each "separate" transaction.
May 9, 2016, 8:54 am
#4323
Join Date: May 2009
Location: East Coast
Programs: SPG-Hyatt-IHG-UA-AA-MR-UR
Posts: 123
Anyone here able to successfully reload with MC GCs issued by U.S. Bank at the register recently? All of the registers I've encountered don't allow the "Change Payment" trick to work.
May 9, 2016, 9:32 am
#4325
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
Got it. My question was actually about the best Numbers strategy for buying MO's with These, considering the 4-swipe limit per transaction at WM. With The $200's, I buy MO for $799.30, and do 4 swipes of $200 Each. Like to keep things in multiples of 4, LOL, for simplicity. I Tell them, for example, that I want 4, $799.30 MO's, but please do each as a separate transaction (they dont mind). That way, I can keep doing my 4 swipe deal, per each "separate" transaction.
May 9, 2016, 11:53 am
#4326
Join Date: May 2009
Location: East Coast
Programs: SPG-Hyatt-IHG-UA-AA-MR-UR
Posts: 123
Would you mind explaining the complete process? I've tried following the posted steps to no avail. I'm not even being prompted for a PIN because the payment terminal thinks it's a credit card after swiping.
May 9, 2016, 12:54 pm
#4327
Join Date: Oct 2014
Posts: 827
If you're not doing split tender it might be different, it's been a long time since I drained a single card.
As soon as the total shows on my side, before they start any payment method, I swipe, hit change payment, debit, no cashback, enter pin. Then they type 500.00 debit and it goes through.
As soon as the total shows on my side, before they start any payment method, I swipe, hit change payment, debit, no cashback, enter pin. Then they type 500.00 debit and it goes through.
May 9, 2016, 1:00 pm
#4328
Join Date: Sep 2014
Posts: 1,837
If you're not doing split tender it might be different, it's been a long time since I drained a single card.
As soon as the total shows on my side, before they start any payment method, I swipe, hit change payment, debit, no cashback, enter pin. Then they type 500.00 debit and it goes through.
As soon as the total shows on my side, before they start any payment method, I swipe, hit change payment, debit, no cashback, enter pin. Then they type 500.00 debit and it goes through.
May 9, 2016, 3:43 pm
#4331
Join Date: May 2009
Location: East Coast
Programs: SPG-Hyatt-IHG-UA-AA-MR-UR
Posts: 123
My WM updated the POS sometime last year, so to me it's new 
This is what mine POS looks like:
Attachment 7865
Attachment 7866
Attachment 7867
This is what mine POS looks like:
Attachment 7865
Attachment 7866
Attachment 7867
May 9, 2016, 5:05 pm
#4333
Join Date: Jul 2014
Posts: 3,688
May 9, 2016, 7:15 pm
#4334
Join Date: Oct 2014
Posts: 827
Wow, that terminal is completely different than any I have used thus far...
May 9, 2016, 10:10 pm
#4335
Suspended
Join Date: Apr 2016
Posts: 335
I just buy two MO for $600 each (I pay the 70 cent fees with cash), all in one transaction. So four swipes at $300 each. My Walmart only allows one transaction per day. They claim that allowing multiple transactions would violate money laundering laws. If I could do multiple transactions, then I'd probably buy multiple $900 money orders and use three cards per transaction.