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 16, 2013, 4:04 pm
#526
Join Date: Sep 2012
Posts: 4,431
I have checking accounts with WF , Chase and Citi. I figure i can get a lot of MOs as long as I deposit them into separate accounts.
Apr 16, 2013, 4:06 pm
#527
Join Date: Nov 2009
Posts: 519
Worked for me last night, trying 4 more tonight in different wm, I will report back the result.
Apr 16, 2013, 4:21 pm
#528
Join Date: Oct 2012
Posts: 970
I know. That's why I was surprised. I did tell the cashier I wanted to load $1000 and tried swiping the USB Visa. Is that what you guys do, or do you load $500 at a time with each gc as separate transactions?
Anyway, for the USB MC, I tried to load only $500 and it still didn't work
Anyway, for the USB MC, I tried to load only $500 and it still didn't work
As I walk up, I tell them I want a MO for $XXX.XX. And as they are typing away, I tell them I want a split transaction using (2 to 4) debit cards. Before I swipe, I tell them how much each card has ($200 or $500) on it, and wait for them to type in the number and hit the debit key on their terminal before I proceed. I find if I treat the CSRs as if they are morons, I have success.
Apr 16, 2013, 4:27 pm
#529
Join Date: Sep 2008
Posts: 63
I've only used Metabank cards, but several times I've had my cards declined ("alternate tender required") because the CSRs forgot to push the right buttons.
As I walk up, I tell them I want a MO for $XXX.XX. And as they are typing away, I tell them I want a split transaction using (2 to 4) debit cards. Before I swipe, I tell them how much each card has ($200 or $500) on it, and wait for them to type in the number and hit the debit key on their terminal before I proceed. I find if I treat the CSRs as if they are morons, I have success.
As I walk up, I tell them I want a MO for $XXX.XX. And as they are typing away, I tell them I want a split transaction using (2 to 4) debit cards. Before I swipe, I tell them how much each card has ($200 or $500) on it, and wait for them to type in the number and hit the debit key on their terminal before I proceed. I find if I treat the CSRs as if they are morons, I have success.
Apr 16, 2013, 4:33 pm
#530
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
Yes they are more or less sold out in my area.
Apr 16, 2013, 4:39 pm
#531
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 956
Apr 16, 2013, 4:44 pm
#532
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I know. That's why I was surprised. I did tell the cashier I wanted to load $1000 and tried swiping the USB Visa. Is that what you guys do, or do you load $500 at a time with each gc as separate transactions?
Anyway, for the USB MC, I tried to load only $500 and it still didn't work
Anyway, for the USB MC, I tried to load only $500 and it still didn't work
Apr 16, 2013, 4:47 pm
#533
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
The chain I go to has a location in an area of town that isn't as affluent as it once was. All of the locations in affluent areas are pretty much sold out. I'm waiting for a couple of statements to close, so I think I'm going to wait for a bit to buy more. By a bit, I mean this weekend. lol.
Apr 16, 2013, 6:28 pm
#534
Join Date: Nov 2012
Posts: 657
giftcardmall canceled my order of 2 1000 visa cards 3 days after I made the order...I called and they told me some info did not match, but they could not tell me what didn't match. Made a new order with a diff card. Not sure why its so hard to order these things. I had two other cards that would not authorize the transaction at all
Apr 16, 2013, 6:54 pm
#535
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Apr 16, 2013, 8:05 pm
#536
Join Date: Aug 2012
Posts: 367
I've only used Metabank cards, but several times I've had my cards declined ("alternate tender required") because the CSRs forgot to push the right buttons.
As I walk up, I tell them I want a MO for $XXX.XX. And as they are typing away, I tell them I want a split transaction using (2 to 4) debit cards. Before I swipe, I tell them how much each card has ($200 or $500) on it, and wait for them to type in the number and hit the debit key on their terminal before I proceed. I find if I treat the CSRs as if they are morons, I have success.
As I walk up, I tell them I want a MO for $XXX.XX. And as they are typing away, I tell them I want a split transaction using (2 to 4) debit cards. Before I swipe, I tell them how much each card has ($200 or $500) on it, and wait for them to type in the number and hit the debit key on their terminal before I proceed. I find if I treat the CSRs as if they are morons, I have success.
I loaded $225 ($100 x2 + $25 x1) GCs with PINs to my BB this weekend.
The first time through I told them I wanted to do $225 and it got declined. I then said "Sorry, I actually need to split this up across 3 cards, will that matter?" So she had me do it again - she rung it up as $225 and then asked me for each card how much it was. In this way it went through.
Do we have any facts on how many cards you can use for a single transaction? I thought I might have read that 4 was the max? If that's so I can only do $400 at a time with my $100 cards.
However, couldn't I just then ask them to load another $400 and swipe another 4 cards? Is there any restriction on doing this other than having them roll their eyes at me for taking long?
Apr 16, 2013, 8:07 pm
#537
Join Date: Oct 2012
Posts: 167
There seems to be a wide array of products avail at multiple venues so I dont see a mad rush in my area.
Apr 16, 2013, 8:10 pm
#538
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
giftcardmall canceled my order of 2 1000 visa cards 3 days after I made the order...I called and they told me some info did not match, but they could not tell me what didn't match. Made a new order with a diff card. Not sure why its so hard to order these things. I had two other cards that would not authorize the transaction at all
Apr 16, 2013, 8:15 pm
#539
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Apr 17, 2013, 9:00 am
#540
Join Date: Mar 2011
Location: NY, NY
Posts: 695
Since there is no WM near me (Manhattan) I tried purchasing MO at local USPS with a card reg'd at mygift.giftcardmall and got rejected. Reason listed online at said website is, "Cash back restriction"