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 24, 2013, 11:36 am
#781
Join Date: Dec 2009
Posts: 89
Someone called Chase and asked. I can't find the source post and YMMV.
Apr 24, 2013, 11:51 am
#782
Join Date: Jul 2012
Programs: American Airlaines, Delta SkyMiles, United, BA, HH, Marriott, SPG, Priority Club
Posts: 160
So, is it true that giftcardmall puts a 30-day hold? I did try different cards, even tried to purchase small amounts - all my orders didn't got through. I cleared everything possible with CC company. Last time Chase's rep told me that he sees that transaction was indeed approved from their side (which means that it passed all possible verifications) and the only guilty part is a GCM. However, GSM's rep always says (I guess, from script) that I have to check my billing address. This sounds ridiculous since otherwise the transaction wouldn't be approved by CC company.
Any idea what can be done?
Any idea what can be done?
Apr 24, 2013, 11:52 am
#783
Join Date: Feb 2013
Posts: 59
Here's some more anecdotes:
US Bank Visa variable load card: works for Walmart MO - must call the number on back of card to set PIN prior to use
OneVanilla variable load card: can use immediately for Walmart MO, PIN registers upon first use
Vanilla Visa Gift variable load card: can use immediately for Walmart MO, PIN registers upon first use (even though on back of card it says not eligible for Cash or ATM transactions)
US Bank Visa variable load card: works for Walmart MO - must call the number on back of card to set PIN prior to use
OneVanilla variable load card: can use immediately for Walmart MO, PIN registers upon first use
Vanilla Visa Gift variable load card: can use immediately for Walmart MO, PIN registers upon first use (even though on back of card it says not eligible for Cash or ATM transactions)
Apr 24, 2013, 12:01 pm
#784
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Here's some more anecdotes:
US Bank Visa variable load card: works for Walmart MO - must call the number on back of card to set PIN prior to use
OneVanilla variable load card: can use immediately for Walmart MO, PIN registers upon first use
Vanilla Visa Gift variable load card: can use immediately for Walmart MO, PIN registers upon first use (even though on back of card it says not eligible for Cash or ATM transactions)
US Bank Visa variable load card: works for Walmart MO - must call the number on back of card to set PIN prior to use
OneVanilla variable load card: can use immediately for Walmart MO, PIN registers upon first use
Vanilla Visa Gift variable load card: can use immediately for Walmart MO, PIN registers upon first use (even though on back of card it says not eligible for Cash or ATM transactions)
Apr 24, 2013, 12:20 pm
#786
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Might as well start a wikipost in this thread...I guess that would be to easy for the cardinals to read though...
Apr 24, 2013, 12:36 pm
#788
Suspended
Join Date: May 2010
Posts: 2,998
Besides, it could be in flashing neon colors at the top of the page and people would still ask the same questions over and over again
Apr 24, 2013, 12:39 pm
#789
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
Apr 24, 2013, 1:19 pm
#790
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Apr 24, 2013, 1:31 pm
#791
Join Date: Aug 2012
Posts: 367
After that transaction went through I tried to purchase another $500 card just to see what would happen and got a message saying that I had reached the limit on that card.
So, the limit per card is obviously between $2500 and $3000 - so $2600 as reported elsewhere seems a fair bet.
Since the message returned was targeted at the card, I suspect that I could use my other chase cards to purchase more.
I didn't try to purchase anymore because I didn't really need to manufacture any spend right now and since $2500 in purchases from Chase only nets me 2500 points it wasn't worth pulling more in until I get some other ducks in a row...
Apr 24, 2013, 1:34 pm
#792
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Thanks BenH, that is a helpful data point.
Apr 24, 2013, 1:40 pm
#793
Join Date: Nov 2012
Posts: 657
I have bought 22 chase gift cards on 5 different chase credit cards. It has stopped me from buying more on credit cards I have already used.
Apr 24, 2013, 3:05 pm
#794
Join Date: Aug 2011
Posts: 299
Are you guys buying 2X500 or just one $500 USB Visa GC per visit/checkout?
Apr 24, 2013, 3:20 pm
#795
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Fear and surprise, surprise and fear...