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 22, 2013, 3:42 pm
#1366
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Since the One Act to Rule Them All (the Dodd-Frank Act) regulations went into effect for GCs in April, I have never had an issue with OD Vanilla cards. Every issue I have had revolved around stupid WM employees. The problem with Staples is two fold for me: they restrict me to $1800 in purchases per visit and those GCs require you go go online and set the pin. That takes a lot more time than just swiping and entering any pin.
I should have been more clear, after waiting 3 hours, the OD visa cards worked and I was able to unload $200. I just couldn't get more off than $200 because of the WM employee.
I should have been more clear, after waiting 3 hours, the OD visa cards worked and I was able to unload $200. I just couldn't get more off than $200 because of the WM employee.
Why do you have an $1800 limit? Did you get blacklisted from staples?
May 22, 2013, 3:45 pm
#1367
Join Date: Oct 2012
Posts: 67
Staples in my area says no GC purchase can be over $2000. Does sound like a dumb rule, but it started at that for me (no Blacklisting). I could try splitting up the purchases, but I don't think they would like that.
May 22, 2013, 3:46 pm
#1368
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
Or just use the last 4 digits of the card as the pin. Work for me.
May 22, 2013, 4:17 pm
#1372
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
May 22, 2013, 6:31 pm
#1373
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
My WM in Madison, WI won't allow a GC for money orders now. See this post:
http://www.flyertalk.com/forum/20795573-post179.html
I'm thinking of trying the WM across town. I hope they haven't reprogrammed their readers, too.
Added: the second WM took them fine, although they had to be scanned by the clerk's reader. I'm relieved.
http://www.flyertalk.com/forum/20795573-post179.html
I'm thinking of trying the WM across town. I hope they haven't reprogrammed their readers, too.
Added: the second WM took them fine, although they had to be scanned by the clerk's reader. I'm relieved.
Last edited by PaulMSN; May 22, 2013 at 7:55 pm
May 23, 2013, 1:10 pm
#1376
Join Date: Nov 2012
Location: CA
Posts: 28
I called the Vanilla Visa number on the back of the GC and the CSR told me that it usually takes 1-2 hours for the funds to be available for use, and can take up to 24 hours. Went to WM after work (about 6 hours after I had initially purchased the GCs at OD) and the reloads went through on the Money Center ATM without a hitch.
May 23, 2013, 1:20 pm
#1377
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
I called the Vanilla Visa number on the back of the GC and the CSR told me that it usually takes 1-2 hours for the funds to be available for use, and can take up to 24 hours. Went to WM after work (about 6 hours after I had initially purchased the GCs at OD) and the reloads went through on the Money Center ATM without a hitch.
May 23, 2013, 2:11 pm
#1378
Original Poster
Join Date: Dec 2010
Posts: 1,516
Well, it looks like that WM performed a good training for cashiers. Now, as soon as they see Visa GC they immediately ask how would I pay - debit or cash? Since I wanted to buy a Visa GC (that I bought before there with CC), I knew that CC would work, but told cashier that I have a debit card. But she was able to see (I don't know how, it looks the information displays on her monitor) that I used a credit card and started to scream - "I told you, that credit card cannot be purchased with credit card". I politely responded that I thought that my card was a debit, and by the way, what I was buying is not a "credit card", but a "gift card". I didn't argue, but now it eliminates WM from my shopping list, because every time I tried different cashiers and the result is the same. And cashier cannot cancel a transaction and manager is needed (which is not a quick event and people behind me are not happy at all).
Last edited by jk2; May 23, 2013 at 2:17 pm
May 23, 2013, 2:14 pm
#1379
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Well, it looks like that WM performed a good training for cashiers. Now, as soon as they see Visa GC they immediately ask how would I pay - debit or cash? Since I wanted to buy a Visa GC (that I bought before here with CC), I knew that CC would work, but told cashier that I have a debit card. But she were able to see (I don't know how, it looks the information displays on her monitor) that I used a credit card and started to scream - "I told you, that credit card cannot be purchased with credit card". I politely responded that I thought that my card was a debit, and by the way, what I was buying is not a "credit card", but a "gift card". I didn't argue, but now it eliminates WM from my shopping list, because every time I tried different cashiers and the result is the same. And cashier cannot cancel a transaction and manager is needed (which is not a quick event and people behind me are not happy at all).
May 23, 2013, 2:31 pm
#1380
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Well, it looks like that WM performed a good training for cashiers. Now, as soon as they see Visa GC they immediately ask how would I pay - debit or cash? Since I wanted to buy a Visa GC (that I bought before there with CC), I knew that CC would work, but told cashier that I have a debit card. But she was able to see (I don't know how, it looks the information displays on her monitor) that I used a credit card and started to scream - "I told you, that credit card cannot be purchased with credit card". I politely responded that I thought that my card was a debit, and by the way, what I was buying is not a "credit card", but a "gift card". I didn't argue, but now it eliminates WM from my shopping list, because every time I tried different cashiers and the result is the same. And cashier cannot cancel a transaction and manager is needed (which is not a quick event and people behind me are not happy at all).