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-   -   Discover Checking Loaded at Walmart (https://www.flyertalk.com/forum/manufactured-spending/2109742-discover-checking-loaded-walmart.html)

jeffersun Jun 30, 2025 9:41 pm


Originally Posted by miyao (Post 37178642)
I just had three "debit not..." happen today.

debit not what? you should demand those slips. Anyways, it's ROLLING. You loaded on 18:57 the 23rd, you'd clear at 18:58 today.

upright0744 Jul 10, 2025 2:24 pm

got "debit not available code 11" today. anyone know what code 11 is ?

dwCoffee Jul 10, 2025 3:12 pm

Did you attempt the same card and/or same amount seconds before? 11 is a duplication error from what I am aware of.

upright0744 Jul 10, 2025 8:09 pm


Originally Posted by dwCoffee (Post 37197439)
Did you attempt the same card and/or same amount seconds before? 11 is a duplication error from what I am aware of.

same 200 amount, different card

SioFW Jul 12, 2025 4:14 pm

Hello to the person who unloaded 2k in simon next to me just now 😉

TyrannicalDuncery Jul 17, 2025 7:59 pm

I just did my first ever Discover load, $20 from my other bank debit card. It asked me to enter my zip code. That made me wonder:

Is there anything special that I need to do with my VGC or MCGC in order to prepare for a load to Discover at Walmart?

For SS and Vani, I think (don't know) that there is no way to assign a zip to them. For GCM I was thinking maybe there is, but I'm not sure (and I'm not sure whether I need to).

If nobody knows (or nobody answers), I will test it and let you know.

barrytuneup1 Jul 18, 2025 5:59 am

standard for Disc loads at WM. You just enter the zip, tell the clerk how much to load and your done. I do 499.00 loads all the time. Zip is required by their software.

jeffersun Jul 18, 2025 10:07 am


Originally Posted by TyrannicalDuncery (Post 37211146)
I just did my first ever Discover load, $20 from my other bank debit card. It asked me to enter my zip code. That made me wonder:

Is there anything special that I need to do with my VGC or MCGC in order to prepare for a load to Discover at Walmart?

For SS and Vani, I think (don't know) that there is no way to assign a zip to them. For GCM I was thinking maybe there is, but I'm not sure (and I'm not sure whether I need to).

If nobody knows (or nobody answers), I will test it and let you know.

the zip is only for the discover card, it's basically a PIN to confirm you own the card. You are way overthinking this.

TyrannicalDuncery Jul 18, 2025 7:58 pm

Thanks, jeffersun and barrytuneup1!

Loaded $95 from SS MCGC 525362 @money center.

This was right after another $95 load from a different MCGC to my ONE card.

upright0744 Jul 20, 2025 3:22 pm

a while back someone posted a spreadsheet with all the WM decline codes and what they meant.. i saved the link but the sheet is now deleted. did anyone make a copy?

xraywinedrinker Jul 21, 2025 5:07 pm


Originally Posted by upright0744 (Post 37215792)
a while back someone posted a spreadsheet with all the WM decline codes and what they meant.. i saved the link but the sheet is now deleted. did anyone make a copy?

I have posted this several times, maybe the mods can add to the wiki to help others going forward.

https://paymentdepot.com/blog/credit...eclined-codes/

soy Jul 22, 2025 4:20 am


Originally Posted by xraywinedrinker (Post 37217886)
I have posted this several times, maybe the mods can add to the wiki to help others going forward.

https://paymentdepot.com/blog/credit...eclined-codes/

added to wiki

Julie17 Jul 26, 2025 3:07 pm

Sharing a couple DPs and a question:

DP re: loading limits: I've run into the 10k per month load limit twice, measured on a calendar month basis. I.e. I've been able to load more than 10k on a rolling 30 day basis but not within one calendar month.

DP and question re Staples VGC: When I first started loading Discover several months ago, I tried the $200 Staples VGC and was successful with a full $200 swipe one time, and unsuccessful thereafter. Was able to swipe them for $99 at a time. Since then, I've avoided Staples and stick with the EW and 5B from OD. After seeing a couple recent DPs indicating Staples worked, I tried their $200 VCG again with the following results:
Day 1 - successful swipe for $200
Day 2 - successful swipe for full $200 x 3 cards (one $600 load) Tried to load P2's account with full swipe on a 4th card and got an error (don't remember the code).
Day 3 - tried one $200 card/swipe and immediate error "Debit not available Appr. Code 01" Cashier suggested I try running it for $50, which worked twice, tried to finish the $200 load for $100 and failed. Had her just cancel the transaction at that point, although now I wish I had let her keep putting in 50 just to see if maybe the 3 swipe limit is a myth? I'm guessing $99 would have worked.

Have we figured out what the secret sauce is with these? Velocity limit, time limit, register limit? My WM doesn't have a separate money center, and they won't do loads at regular registers, so always loading at CSC. However, today when I was unsuccessful right off the bat, it was a different register than the ones I used on the earlier days IIRC. Maybe some of the CSC registers work differently than others?


msp3 Jul 29, 2025 6:29 pm

Absent-mindedly, I walked around and attempted to load a card having forgotten my previous load time (<24hrs rolling) and had a bunch of transaction cancel out, which is not a problem with BHN but now my InComm cards are screwed up from too many approvals and reversals...

xraywinedrinker Jul 30, 2025 4:59 pm


Originally Posted by Julie17 (Post 37226790)
Sharing a couple DPs and a question:

DP re: loading limits: I've run into the 10k per month load limit twice, measured on a calendar month basis. I.e. I've been able to load more than 10k on a rolling 30 day basis but not within one calendar month.

DP and question re Staples VGC: When I first started loading Discover several months ago, I tried the $200 Staples VGC and was successful with a full $200 swipe one time, and unsuccessful thereafter. Was able to swipe them for $99 at a time. Since then, I've avoided Staples and stick with the EW and 5B from OD. After seeing a couple recent DPs indicating Staples worked, I tried their $200 VCG again with the following results:
Day 1 - successful swipe for $200
Day 2 - successful swipe for full $200 x 3 cards (one $600 load) Tried to load P2's account with full swipe on a 4th card and got an error (don't remember the code).
Day 3 - tried one $200 card/swipe and immediate error "Debit not available Appr. Code 01" Cashier suggested I try running it for $50, which worked twice, tried to finish the $200 load for $100 and failed. Had her just cancel the transaction at that point, although now I wish I had let her keep putting in 50 just to see if maybe the 3 swipe limit is a myth? I'm guessing $99 would have worked.

Have we figured out what the secret sauce is with these? Velocity limit, time limit, register limit? My WM doesn't have a separate money center, and they won't do loads at regular registers, so always loading at CSC. However, today when I was unsuccessful right off the bat, it was a different register than the ones I used on the earlier days IIRC. Maybe some of the CSC registers work differently than others?

When you were loading the Staples BHN $200 VGCs, were you loading them at a money center or a register? Also, is day one in your example referring to the first load of the month?


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