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).
Silly idea. You irritate everyone doing a swipe for 70 cents and waste time.
May 21, 2013, 2:21 pm
#1337
Join Date: Aug 2002
Location: New Hampshire
Programs: AA Platinum, Marriott Gold, Everything else: Dirt
Posts: 802
I definitely hope that people on this forum are not showing the cashier that they are using a gift card. Walmart will know anyway when they review their reporting, but I still don't want to give the cashiers anything they can say no to. Folks that don't have power like to feel empowered and say no when they can.
May 21, 2013, 2:22 pm
#1338
Join Date: Oct 2012
Posts: 970
People keep saying this; how do you propose doing this? I am dealing with $200 GCs, and split transactions 4 ways to get the $799.30 MOs. Can you tell me how you stop the cashier from looking at the card being swiped? I cover it with my hand as best I can, so she couldn't see it. She questioned the split 4 ways and required me to show her the debit card I was using.
Is there some magical way of hiding the card that people are using?
Is there some magical way of hiding the card that people are using?
May 21, 2013, 4:27 pm
#1339
Join Date: Dec 2008
Posts: 367
Mixed success buying USPS money orders. When denied, it's due to "cashback option" not permitted, even though I'm using a PIN.
Next best MO option after USPS and Walmart?
Next best MO option after USPS and Walmart?
Last edited by st.exupery; May 21, 2013 at 6:22 pm
May 21, 2013, 5:41 pm
#1340
Join Date: Feb 2013
Posts: 1,818
find or make little stickers that have something on them like a US flag or BRING HOME THE TROOPS stickers.
Put those ON your GCs where it says gift card to cover up those words. Now use the GCs to get MOs. Most clerks will NOT mess with those stickers! And now they wont know what kind of debit vehicle you are using!
Works all the time.
Put those ON your GCs where it says gift card to cover up those words. Now use the GCs to get MOs. Most clerks will NOT mess with those stickers! And now they wont know what kind of debit vehicle you are using!
Works all the time.
May 21, 2013, 5:45 pm
#1341
Join Date: Feb 2013
Posts: 1,818
Cashier: "Anything else, sir?"
Frogger27: "Nope, thats it.....Oh wait, on second thought, can you put $1000 on these too?" ::whips out two VRs out of nowhere:: "Thanks"
=)
May 21, 2013, 6:25 pm
#1342
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Most gcs let you pin now but state that you cant get cash back. As well i think usps codes its mos as cash whereas other entities do not
May 21, 2013, 6:28 pm
#1343
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Has anyone run into issues depositing money orders into their bank account? I vaguely recalled someone posting that he/she was contacted by the bank because of depositing too many money orders.
May 21, 2013, 7:09 pm
#1344
Suspended
Join Date: May 2010
Posts: 2,998
I definitely hope that people on this forum are not showing the cashier that they are using a gift card. Walmart will know anyway when they review their reporting, but I still don't want to give the cashiers anything they can say no to. Folks that don't have power like to feel empowered and say no when they can.
May 21, 2013, 7:11 pm
#1345
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
May 21, 2013, 7:12 pm
#1346
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
May 21, 2013, 9:02 pm
#1347
Join Date: May 2013
Location: Sacramento, CA
Posts: 376
The Rite Aid near me also has MoneyPaks for $0 that can be purchased with a debit card.
Last edited by Wonko; May 21, 2013 at 9:09 pm
May 22, 2013, 6:01 am
#1348
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
I'm going to need to fly a MR to one of those cities that has the RAs that only charge $0 for the moneypak loads!!! Where is that by the by?
May 22, 2013, 6:18 am
#1349
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
May 22, 2013, 6:25 am
#1350
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
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