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 $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
PIN available now for Visa/MC prepaid debit cards(2013-2016).
Apr 30, 2013, 2:34 pm
#901
Join Date: May 2011
Location: ORD
Posts: 208
Ok, so went to WM today and loaded 4x200 GCM vi$a to BB no problem, then tried to load a 100 MC from Staples (Myg.c.Site.com card) after setting pins, and csr said it showed up as credit and won't work. Is this a CSR issue or do these cards not work? Did not go past daily/monthly limits fyi.
Apr 30, 2013, 2:53 pm
#902
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Ok, so went to WM today and loaded 4x200 GCM vi$a to BB no problem, then tried to load a 100 MC from Staples (Myg.c.Site.com card) after setting pins, and csr said it showed up as credit and won't work. Is this a CSR issue or do these cards not work? Did not go past daily/monthly limits fyi.
Apr 30, 2013, 5:28 pm
#903
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
The mastercard gift cards from staples require an interesting step. Did you use the stolen card phone number in the small printed insert of the cards to set pin? That's the only way I was able to do it. I also used the kiosk to load BB.
Apr 30, 2013, 8:28 pm
#904
Join Date: May 2011
Location: ORD
Posts: 208
Yep, registered name/addy on website then set pin via automated phone. My WM doesn't have the kiosk yet so had to go oldschool...probably where the issue lies. Oh well.
Apr 30, 2013, 9:00 pm
#905
Suspended
Join Date: May 2009
Location: DFW
Programs: AAdvantage Platinum, Hilton HHonors Gold
Posts: 2,863
Have any of you ever bought 2k worth of GC with Amex Gold at grocery store? Any problem?
Apr 30, 2013, 10:00 pm
#906
Join Date: Nov 2012
Location: HNL
Programs: AA Citi Visa and Amex, Citi AA Biz, SPG, Amex Green, Zync, Discover It (Starbucks Gold) HHonors Gold
Posts: 268
Apr 30, 2013, 10:53 pm
#908
Suspended
Join Date: May 2009
Location: DFW
Programs: AAdvantage Platinum, Hilton HHonors Gold
Posts: 2,863
May 1, 2013, 11:03 am
#909
Join Date: Jun 2012
Posts: 298
Went to WM today to try to load my BB. I usually just load my BB with VR. So I thought I would try this new approach. Went to the money center and told the girl to load 1K onto my BB with the 10 gift cards I had with a Pin #. After I got to the fourth swipe the register could not process. I left and went to another WM with the same results. Did I do something wrong? Or do these have to be loaded $100 at a time. But anyway went to CVS and bought 2 VRs with the 10 gift cards with no issues.
May 1, 2013, 11:12 am
#910
Join Date: Jan 2013
Posts: 182
Went to WM today to try to load my BB. I usually just load my BB with VR. So I thought I would try this new approach. Went to the money center and told the girl to load 1K onto my BB with the 10 gift cards I had with a Pin #. After I got to the fourth swipe the register could not process. I left and went to another WM with the same results. Did I do something wrong? Or do these have to be loaded $100 at a time. But anyway went to CVS and bought 2 VRs with the 10 gift cards with no issues.
May 1, 2013, 12:37 pm
#911
Join Date: Dec 2004
Posts: 7,904
Ok, so went to WM today and loaded 4x200 GCM vi$a to BB no problem, then tried to load a 100 MC from Staples (Myg.c.Site.com card) after setting pins, and csr said it showed up as credit and won't work. Is this a CSR issue or do these cards not work? Did not go past daily/monthly limits fyi.
May 1, 2013, 12:49 pm
#912
Join Date: Mar 2013
Location: BOS
Programs: SPG,United,Delta,AA,Marriott Silver
Posts: 45
May 1, 2013, 1:21 pm
#913
Join Date: Dec 2004
Posts: 7,904
Yes. I set up the PIN a few days in advance. I'd be interested to know if anyone had recent success with US Bank cards from Staples.
Last edited by rrgg; May 1, 2013 at 1:36 pm Reason: Corrected typo: "interested"
May 1, 2013, 1:27 pm
#914
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
You have to dial both phone numbers to set pin.
It's worked like a charm with every card I have bought.
May 1, 2013, 1:34 pm
#915
Join Date: Dec 2004
Posts: 7,904
The problem is I could not use the Staples Mastercards (from US Bank) to buy a money order. Are you implying you bought a money order with this type of Mastercard somewhere?