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 3, 2014, 7:03 pm
#556
Join Date: Dec 2013
Posts: 3,507
Agh. That is not good.
Data Point on the workaround.
I wondered if the OV or VGC could be run as a CC and ran a test tonight. The answer is definitely "no." But I really paid attention to the process and I think I have an answer for those who have had trouble with the new color system.
I ran one OV with the workaround and it went just fine.
But-on the second card, I let it ride to signature: if you miss the "change payment" button on the screen the first time, it locks up the system completely. I did not see the message on my end but the cashier was confused because she kept getting a "unauthorized tender" message. We tried about 5 times to get back to the beginning and it would not go there, even when she tried to cancel the whole thing. On the extra attempts, I saw the change payment button appear but the software was locked to CC and that screen went by like lightening. If you blinked, you'd miss it. In other words, it was in a loop. Finally, the supervisor came over and had to override the entire transaction and cancel it with a a system override (her key). I just left them confused and said thanks, I'll be back tomorrow to add the funds.
For those who have had a lot of trouble getting the override to work (on the color screens), I think if you don't hit change tender as soon as it appears and you get the signature panel, you may be stuck. On the other hand, if you accidentally hit "cancel" instead of "change payment" (they appear on the same screen), no harm. You just need to start over but you aren't in that nasty loop.
Data Point on the workaround.
I wondered if the OV or VGC could be run as a CC and ran a test tonight. The answer is definitely "no." But I really paid attention to the process and I think I have an answer for those who have had trouble with the new color system.
I ran one OV with the workaround and it went just fine.
But-on the second card, I let it ride to signature: if you miss the "change payment" button on the screen the first time, it locks up the system completely. I did not see the message on my end but the cashier was confused because she kept getting a "unauthorized tender" message. We tried about 5 times to get back to the beginning and it would not go there, even when she tried to cancel the whole thing. On the extra attempts, I saw the change payment button appear but the software was locked to CC and that screen went by like lightening. If you blinked, you'd miss it. In other words, it was in a loop. Finally, the supervisor came over and had to override the entire transaction and cancel it with a a system override (her key). I just left them confused and said thanks, I'll be back tomorrow to add the funds.
For those who have had a lot of trouble getting the override to work (on the color screens), I think if you don't hit change tender as soon as it appears and you get the signature panel, you may be stuck. On the other hand, if you accidentally hit "cancel" instead of "change payment" (they appear on the same screen), no harm. You just need to start over but you aren't in that nasty loop.
Also I brain farted this morning when loading my Serve card when I didn't realize that the card reader was the color screen version instead of the black and green screen version since most of the WMs around me use the black and green screen so I was used to hitting Cancel. So when I swiped my OV and tried to hit Cancel it went to signature and the cashier told me it got denied. I told her that I hit the wrong button and I was able to swipe again and made sure to hit Change Payment this time. Didn't need to wait for a manager to do a system override to allow me to reslide my OV. Maybe the cashier you had was not trained to do that.
Jun 3, 2014, 7:32 pm
#557
Join Date: Apr 2014
Posts: 1,273
You don't need to hit the soft cancel or change payment buttons on the screen. The hard buttons (red Cancel or yellow Change Payment) on the card reader should work as well.
Also I brain farted this morning when loading my Serve card when I didn't realize that the card reader was the color screen version instead of the black and green screen version since most of the WMs around me use the black and green screen so I was used to hitting Cancel. So when I swiped my OV and tried to hit Cancel it went to signature and the cashier told me it got denied. I told her that I hit the wrong button and I was able to swipe again and made sure to hit Change Payment this time. Didn't need to wait for a manager to do a system override to allow me to reslide my OV. Maybe the cashier you had was not trained to do that.
Also I brain farted this morning when loading my Serve card when I didn't realize that the card reader was the color screen version instead of the black and green screen version since most of the WMs around me use the black and green screen so I was used to hitting Cancel. So when I swiped my OV and tried to hit Cancel it went to signature and the cashier told me it got denied. I told her that I hit the wrong button and I was able to swipe again and made sure to hit Change Payment this time. Didn't need to wait for a manager to do a system override to allow me to reslide my OV. Maybe the cashier you had was not trained to do that.
Jun 3, 2014, 8:54 pm
#558
Join Date: Oct 2013
Posts: 252
Just arrived from another failed MO run at Walmart. Yesterday I didn't know about the issues with OV's. Today, I was confident the workaround would work. We have the OLD system over here.
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?
Last edited by andres17; Jun 3, 2014 at 9:13 pm
A wall would be nice.
Jun 3, 2014, 9:47 pm
#560
Join Date: May 2014
Location: LAX
Programs: AA, UA, DL, NSA, CIA, MIB
Posts: 537
Just returned from a WM and the process did not work. I was the last in line, they closed at 8pm and I squeezed in at 7:59. I got to the desk at 8:20 due to the 11 people doing money trans. I asked to do 2 MOs, 1k each and I would swipe 2 DEBIT cards(I have 4 OVs). We start and I swipe 1 card and she realized that she did not split the payment amounts. The clerk must not have understood me clearly and punched in $1k for the 1st card which resulted in extra work for her to clear and re enter the amount, then the CC screen comes up when I swipe 1 card, her co-worker asked to see my card and I 'panic' and show her the OV instead of my debit card I was holding to <ninja> but wasn't ready. The co-worker explained that the system would not take OV anymore. I thanked them and left.
I suspect they were just done for the day and didn't want to deal with this. I'll go back another day, and do smaller amounts with 1 OV per MO. It'll be less confusing(?)
I suspect they were just done for the day and didn't want to deal with this. I'll go back another day, and do smaller amounts with 1 OV per MO. It'll be less confusing(?)
Jun 3, 2014, 10:00 pm
#561
Join Date: Nov 2013
Posts: 457
Deleted.
Last edited by MsArbi; Oct 30, 2014 at 12:26 am
Jun 3, 2014, 10:18 pm
#562
Join Date: May 2014
Posts: 571
51 is the generic rejection. Either because the process wasn't followed correctly and the system is saying no or you have no funds on the card. I can tell when a new Walmart employee does one of my transactions because there will be several 51s on the receipt.
Jun 3, 2014, 11:38 pm
#564
Join Date: Feb 2012
Posts: 4,477
I bought 2 MO's with OV ($1K total) from a Publix (grocery store) today. They cost me about a $1 more than in a WM, and it was so totally worth it!!! The whole process was pleasant, clean, and efficient. The MO's themselves were clearly and legibly printed. I deposited them into a bank's automated ATM, and they were immediately recognized and scanned without a hitch.
Jun 4, 2014, 5:03 am
#567
Join Date: Feb 2010
Posts: 1,263
I bought 2 MO's with OV ($1K total) from a Publix (grocery store) today. They cost me about a $1 more than in a WM, and it was so totally worth it!!! The whole process was pleasant, clean, and efficient. The MO's themselves were clearly and legibly printed. I deposited them into a bank's automated ATM, and they were immediately recognized and scanned without a hitch.
Jun 4, 2014, 6:32 am
#569
Join Date: Sep 2011
Location: USA
Posts: 1,179
Just arrived from another failed MO run at Walmart. Yesterday I didn't know about the issues with OV's. Today, I was confident the workaround would work. We have the OLD system over here.
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?
Jun 4, 2014, 6:54 am
#570
Join Date: Mar 2012
Location: IL
Posts: 270
Just arrived from another failed MO run at Walmart. Yesterday I didn't know about the issues with OV's. Today, I was confident the workaround would work. We have the OLD system over here.
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?
But doing the workaround explained at the top didn't work. I told the cashier to wait for me to swipe my card to hit DEBIT. I hit CANCEL, ATM/Debit, No CashBack. I then told her to select DEBIT on her screen, and to deduct $500 (I was doing a split payment). It didn't work. I tried then to put my PIN first, and then have her hit DEBIT. No go either.
Then, I wanted to simplify and instead of doing the 4 MO purchase, which require split payments, to just buy one. But the MoneyGram system apparently went down (it was past closing time).
She showed me a paper printout of the error that was shown when I tried my OV debit cards. It reads:
ST# XXXX OP# XXXXXXXX TE# XX TR# XXXXX
DEBIT NOT AVAILABLE APPR. CODE = 51
I'm guessing the first line are numbers of identifying the store, operator, terminal, etc. What does CODE 51 error means?
EDIT: Based on the information on this website:
http://nexion.co.za/transaction-decline-codes.html
Error CODE 51 means not sufficient funds. My guess is that the CSR didn't make the split payment correctly, and was probably charging the whole amount to a single OV card. If I just buy one MO, it will probably not give an error CODE 51.
I can make 4 different MO transactions, but that would be more time consuming. Anyone know what does the CRS has to do to make the split payments right?