May 29, 2014, 7:43 pm
Last edit by: prasha11
Does not work anymore, is dead..... what is the point to report 'not working'?
As of 08/25/2014, Bancorp cards (Vanilla Visa, OneVanilla, etc.) are rarely working first try for debit transactions at Walmart. There is no apparent geographical basis. Basically, it's a crapshoot.
Do not agitate a cashier or store and lose the ability to make these transactions in the future. Multiple failed swipes or transactions will likely increase scrutiny. You do not want that. It is best to stop using these cards.
Vanilla VISA defaulting to credit
As of 5/29/2014, at most Walmart locations, all Vanilla VISA cards issued by The Bancorp Bank are automatically recognized as credit. Most Mastercard have required a workaround for some time. The MoneyCenter Express (ATM, kiosk, Kate) is not affected by this change.
As of 08/25/2014, Bancorp cards (Vanilla Visa, OneVanilla, etc.) are rarely working first try for debit transactions at Walmart. There is no apparent geographical basis. Basically, it's a crapshoot.
Do not agitate a cashier or store and lose the ability to make these transactions in the future. Multiple failed swipes or transactions will likely increase scrutiny. You do not want that. It is best to stop using these cards.
Vanilla VISA defaulting to credit
As of 5/29/2014, at most Walmart locations, all Vanilla VISA cards issued by The Bancorp Bank are automatically recognized as credit. Most Mastercard have required a workaround for some time. The MoneyCenter Express (ATM, kiosk, Kate) is not affected by this change.
MO Purchases using OV @ WM
Jun 20, 2014, 10:20 am
#1546
Join Date: Feb 2014
Posts: 511
Normal charges that you make on a credit/debit card are not processed through the ACH Network. Visa/Mastercard/AmEx have their own payment processing (hence "interchange fees").
C'mon guys.
When your utility company automatically debits your bank account each month = ACH.
When you get your paycheck every two weeks = ACH.
When you buy a stick of gum at Wal-Mart with a Visa = Not ACH.
By the thought process that everything using a credit/debit card = ACH that would mean that nothing would work on Bancorp products.
Article
Skip on down to the "ACH Not Made for POS payments" section.
---
This is Wal-Mart's doing, has always been only Wal-Mart's doing. The sky is not falling, GC -> MO will live on.
C'mon guys.
When your utility company automatically debits your bank account each month = ACH.
When you get your paycheck every two weeks = ACH.
When you buy a stick of gum at Wal-Mart with a Visa = Not ACH.
By the thought process that everything using a credit/debit card = ACH that would mean that nothing would work on Bancorp products.
Article
Skip on down to the "ACH Not Made for POS payments" section.
---
This is Wal-Mart's doing, has always been only Wal-Mart's doing. The sky is not falling, GC -> MO will live on.
Last edited by hamhead; Jun 20, 2014 at 10:51 am
Jun 20, 2014, 10:30 am
#1547
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
Just like Global Warming has nothing to do with Increased population size, and emission of greenhouse gasses.
Keep telling yourself that.
Jun 20, 2014, 10:35 am
#1548
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Bancorp violated the FDIC regulation, is blocked from those activities and probably fines are imposed, if U have the guts to sue for damages, U will win..... why are U preaching morals here?
Jun 20, 2014, 10:53 am
#1549
Join Date: Nov 2013
Location: DC/NOVA
Programs: AA Gold, SPG Gold, HHonors Gold
Posts: 192
Per the transaciton records for two Bancorp VGCs (one used at WM, one not):
"POSPurchase:Checking:NoAccount"
Metabank product at WM:
"PIN Purchase"
Since not all the transaction data is visible to the consumer, I am probably speculating, but "CHECKING:NOACCOUNT" seems like an attempted ACH pull from a bank account. Seems to link up with the anecdote about the Mobil CC from the 80s the author of the greensheet article brings up:
"The ACH was never designed to be an interactive processing alternative... [but] some large retailers have managed to push through custom applications for POS payments... Mobil Oil rolled out a POS debit application in the mid-1980s that cleared payments through the ACH. It was a feature of the company's proprietary credit card."
"POSPurchase:Checking:NoAccount"
Metabank product at WM:
"PIN Purchase"
Since not all the transaction data is visible to the consumer, I am probably speculating, but "CHECKING:NOACCOUNT" seems like an attempted ACH pull from a bank account. Seems to link up with the anecdote about the Mobil CC from the 80s the author of the greensheet article brings up:
"The ACH was never designed to be an interactive processing alternative... [but] some large retailers have managed to push through custom applications for POS payments... Mobil Oil rolled out a POS debit application in the mid-1980s that cleared payments through the ACH. It was a feature of the company's proprietary credit card."
Last edited by picards007; Jun 20, 2014 at 11:02 am
Jun 20, 2014, 10:54 am
#1550
Join Date: May 2013
Posts: 52
We should create the MS lobby and request to Congress to limit the block they put on Bancorp Bank and spare OV and VMC.
Jun 20, 2014, 11:04 am
#1551
Join Date: May 2011
Location: Upstate
Programs: HH Diamond-IHG Plat-AA Gold
Posts: 215
Haha! Two of my neighbors are lobbyists. They'd probably be happy to trade respresenting interests of underpriviledged persons to representing MSers! Dialing the phone as I type...
Jun 20, 2014, 11:06 am
#1552
Used to be garyjr316
Join Date: Feb 2011
Location: LAX or SBA
Programs: AAdvantage, MileagePlus, Gold Passport, Hilton HHonors, Marriott
Posts: 800
Moral of the story #2: Can't we all just get along!
Jun 20, 2014, 11:09 am
#1553
Join Date: May 2011
Location: Upstate
Programs: HH Diamond-IHG Plat-AA Gold
Posts: 215
Moral #3: (As my late father used to say) Son, you'll find that in this world there are more horses-a**es than horses.
Jun 20, 2014, 11:24 am
#1554
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
there are no eggs and no baskets in issues we are discussing.....we(I) have been accused of 'suspicious' activity, our(my) funds has been blocked/held hostage all along they were in FDIC regulatory violation and banking laws, something I always suspected their business ethics.....
Jun 20, 2014, 11:24 am
#1555
Join Date: May 2013
Posts: 52
Normal charges that you make on a credit/debit card are not processed through the ACH Network. Visa/Mastercard/AmEx have their own payment processing (hence "interchange fees").
C'mon guys.
When your utility company automatically debits your bank account each month = ACH.
When you get your paycheck every two weeks = ACH.
When you buy a stick of gum at Wal-Mart with a Visa = Not ACH.
By the thought process that everything using a credit/debit card = ACH that would mean that nothing would work on Bancorp products.
Article
Skip on down to the "ACH Not Made for POS payments" section.
---
This is Wal-Mart's doing, has always been only Wal-Mart's doing. The sky is not falling, GC -> MO will live on.
C'mon guys.
When your utility company automatically debits your bank account each month = ACH.
When you get your paycheck every two weeks = ACH.
When you buy a stick of gum at Wal-Mart with a Visa = Not ACH.
By the thought process that everything using a credit/debit card = ACH that would mean that nothing would work on Bancorp products.
Article
Skip on down to the "ACH Not Made for POS payments" section.
---
This is Wal-Mart's doing, has always been only Wal-Mart's doing. The sky is not falling, GC -> MO will live on.
That's why it can be used for regular purchases.
(I wonder what will happen with EVOLVE, may be this is a good time for some homeowners( folks like one who posted previously who has 38k on OV) to make a generous payment to their principal.
Jun 20, 2014, 11:31 am
#1556
Join Date: May 2013
Posts: 52
in fact when I first had the error code, I called Vanilla CS and they were surprised the card didn't work as a debit, then they asked me if I was trying to do a cash advace, cash back or obtain cash in any way.
Jun 20, 2014, 11:33 am
#1557
Join Date: Sep 2012
Location: Florida
Posts: 448
First,just want to say the direction this thread has taken is awesome. I actually feel like I learned something about the underlying architecture of how these GCs/prepaids work.
So if the FDIC has stopped Bancorp products from being run as an ACH pull, then why is only Walmart affected?
I used a OV for a MO at another establishment and it went through fine (at least I got the MO, deposited into my bank and waiting for it to clear...not until it does will I really feel OK).
So if the FDIC has stopped Bancorp products from being run as an ACH pull, then why is only Walmart affected?
I used a OV for a MO at another establishment and it went through fine (at least I got the MO, deposited into my bank and waiting for it to clear...not until it does will I really feel OK).
Jun 20, 2014, 11:36 am
#1558
Join Date: May 2013
Posts: 52
(Sorry I lost my train of thoughts)
and they also told me that my attempt to use the card at WM didn't get register by their system. Usually their system detect all transactions, successful or failed transactions
and they also told me that my attempt to use the card at WM didn't get register by their system. Usually their system detect all transactions, successful or failed transactions
Jun 20, 2014, 11:37 am
#1559
Join Date: Apr 2011
Location: USA
Programs: DL DI AA LTPL MAR LTPL HY GL
Posts: 477
It does seem like ACH transactions on Bancorp products are being blocked now.
Nvm.
Nvm.
Last edited by clockhand; Jun 20, 2014 at 2:30 pm
Jun 20, 2014, 11:38 am
#1560
Join Date: Mar 2005
Location: ATL
Programs: AA, AGR, DL, MR, WoH, UA
Posts: 951
Are you guys still going to be arguing about this next week when my tin of popcorn gets in?