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 8, 2014, 9:15 pm
#3406
Join Date: Feb 2014
Posts: 511
This is how my WM-GC-BB trip went today.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
The cost of a money order is well worth saving the aggravation of having to go to Wal-Mart and deal with the above IMO.
Apr 8, 2014, 9:17 pm
#3407
Join Date: Nov 2012
Posts: 657
This is how my WM-GC-BB trip went today.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
Apr 9, 2014, 7:53 am
#3408
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,720
I'll have to look around town. The humans at Kroger are just as silly as Wally, and they dominate the grocery scene in Indianapolis.
Apr 9, 2014, 7:57 am
#3409
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,720
Apr 9, 2014, 6:47 pm
#3410
Join Date: Sep 2013
Location: SFO/DTW
Programs: DL PM 0.5MM, Hyatt Globalist, HHonors Gold, SPG Plat, Marriott Gold, Avis PC, National EE, Hertz PC
Posts: 1,988
I am having some issues loading 1 particular MC that I picked up from Safeway. It keeps giving me code 75 (debit not available). I tried to load it at a cashier and with Kate, but it keeps getting rejected. Anybody have any ideas why or tips? Reset the pin twice already too.
No other issues with the MCs that I have picked up so far.
No other issues with the MCs that I have picked up so far.
Apr 9, 2014, 7:07 pm
#3411
Join Date: Apr 2013
Location: Maryland
Posts: 55
I am having some issues loading 1 particular MC that I picked up from Safeway. It keeps giving me code 75 (debit not available). I tried to load it at a cashier and with Kate, but it keeps getting rejected. Anybody have any ideas why or tips? Reset the pin twice already too.
No other issues with the MCs that I have picked up so far.
No other issues with the MCs that I have picked up so far.
I was not able to use U.S. Bank $100 gift card -from Safeway-as debit since Monday.
I was able to use it at Amazon as credit.
Apr 9, 2014, 7:16 pm
#3412
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
I see you have been to 10th and Shadeland area..
Try Washington Street...little nicer. People,
Apr 9, 2014, 7:48 pm
#3413
Join Date: Sep 2013
Location: SFO/DTW
Programs: DL PM 0.5MM, Hyatt Globalist, HHonors Gold, SPG Plat, Marriott Gold, Avis PC, National EE, Hertz PC
Posts: 1,988
Ah thanks for the redirect. I am still able to get the other ones purchased after Monday to work just an FYI. I just have an issue with this 1 particular card.
Apr 10, 2014, 8:28 pm
#3414
Join Date: Sep 2013
Location: SFO/DTW
Programs: DL PM 0.5MM, Hyatt Globalist, HHonors Gold, SPG Plat, Marriott Gold, Avis PC, National EE, Hertz PC
Posts: 1,988
My card was locked. I called the number on the back of the card. CSR was able to unlock it and pin is available again
Apr 10, 2014, 10:28 pm
#3415
Join Date: Jul 2006
Posts: 104
This is how my WM-GC-BB trip went today.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
1. Go to ATM machine - still out of service (same as yesterday).
2. Go to Money Center - the line is out the door.
3. Go to cash register. Got cashier to load 4 x $500 GCs. Withdrew to make room for the line behind.
4. Go to cash register #2 to load remaining $1K. Register spits out "debit failed. Call bank." Next GC, same thing. No idea why, as I got these the same time I got the one loaded above.
5. Wait 5 min, go to register #3. Cashier asks cashier from register #2, who comes over to share her new conviction: "Debit not possible. It only takes cash and credit." "I've seen debit work before", I reply. Swipe, $500 loads fine on this register. Next card, fine too. "I learned something new," the nice cashier says.
VS the good old days: (scratch off back of VR, load online) x 3 = done in 5 min. No faulty ATM or silly human standing in your way.
The only consolation in the new way is I'm getting better at making complicated things work, which I suppose is a useful skill to have.
thanks!
Apr 11, 2014, 6:44 am
#3416
Join Date: Feb 2014
Posts: 511
I don't really go to Wal-Mart that often enough to see if my local ones have machines, and with the reports of them being down a lot of the time I didn't want to plan my MS for the day around a Wally trip only to have a broken one staring at me when I got there.
If I was pushing crazy volume, I see the immense value in having a machine do it versus people, but I'm not there yet.
Apr 11, 2014, 7:31 pm
#3417
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Bought 6 OVs at CVS. Went to Walmart and tried to unload them - 5 of them worked and 1 didnt. Thought it was just taking a while to get activated. Finally called Incomm and was told that CVS never activated it correctly - so even though the invoice states activated, it never actually was.
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
Apr 11, 2014, 7:37 pm
#3418
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Bought 6 OVs at CVS. Went to Walmart and tried to unload them - 5 of them worked and 1 didnt. Thought it was just taking a while to get activated. Finally called Incomm and was told that CVS never activated it correctly - so even though the invoice states activated, it never actually was.
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
I was ripping out the GCs prior to entering WM and then threw the empty packaging into the trash, but I also threw out an unopened one. I was going through various scenarios, like I dropped a GC somewhere or the cashier stole one from me. I then went back to the trash can, searched it and found the unopened GC.
Apr 11, 2014, 8:08 pm
#3419
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Bought 6 OVs at CVS. Went to Walmart and tried to unload them - 5 of them worked and 1 didnt. Thought it was just taking a while to get activated. Finally called Incomm and was told that CVS never activated it correctly - so even though the invoice states activated, it never actually was.
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
So now they have a ticket open and i had to send in my ID, receipt and card details. Anyone else have this issue?
One ok the other not
Was able to take pics of both sides gc and receipt and email it in (forget the addr) and after three calls and four days the gc worked
Apr 11, 2014, 8:21 pm
#3420
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
That is exactly what i did today. Will bug them Monday onwards. Glad you got your gc to work - hoping for the same.