FlyerTalk Forums

FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   Manufactured Spending (https://www.flyertalk.com/forum/manufactured-spending-719/)
-   -   InComm/Pathward Breakdown DPs (https://www.flyertalk.com/forum/manufactured-spending/2164960-incomm-pathward-breakdown-dps.html)

nini6180 Jul 18, 2025 12:44 am

It's been awhile since I bought a mo using a MGC at Kroger. Two days ago tried to buy a mo for $479 at Kroger but got declined. I reset the pin and made a small grocery purchase then tried for $478 but still no go. Someone mentioned here that it is $469 now. Is that for both mgc and vgc? Tia!

neo848943 Jul 18, 2025 10:19 pm


Originally Posted by nini6180 (Post 37211381)
It's been awhile since I bought a mo using a MGC at Kroger. Two days ago tried to buy a mo for $479 at Kroger but got declined. I reset the pin and made a small grocery purchase then tried for $478 but still no go. Someone mentioned here that it is $469 now. Is that for both Mac and vgc? Tia!

The new limit for Pathward (formerly Meta) Bank issued cards is $470 inclusive of fee every 6 minutes (give or take) per store

upright0744 Jul 20, 2025 3:26 pm

whats the current trick to get the 409758s working? failed for $300 at walmart

DeltaNeutral28 Jul 24, 2025 7:03 am


Originally Posted by neo848943 (Post 37213102)
The new limit for Pathward (formerly Meta) Bank issued cards is $470 inclusive of fee every 6 minutes (give or take) per store

Do you mean Pathward serviced by BHN. And on top of that, is it MC only and not V?

nini6180 Aug 5, 2025 1:02 pm


Originally Posted by DeltaNeutral28 (Post 37222604)
…..is it MC only and not V?

I asked the same question but no one answered.

DeltaNeutral28 Aug 6, 2025 7:24 am


Originally Posted by nini6180 (Post 37244832)
I asked the same question but no one answered.

Ok, I was able to get a MC (Pathward/BHN) to work for $469 total. Thank you to Neo who let me on to this amount. I'm just going to use my Visa (Pathward/BHN) on prop taxes and call it a day and know to get MC if I want to be able to liquidate it, at least while it works. I don't know anything about the differences between MC and V in this context, perhaps someone in the industry knows, and perhaps it's user error for why I cannot get V to work ((if someone can confirm a V (Pathward/BHN) for $469 that would be great)). My chase card offers have also been flooded with regional grocers that sell these so I can cash out for 1.25x on my PYB with no fees.

jeffersun Aug 6, 2025 9:10 am

there's another thread just for BHN where this was already discussed

williet68 Aug 8, 2025 8:58 pm


Originally Posted by nini6180 (Post 37244832)
I asked the same question but no one answered.

I told the thread on July 1st. Pathward/Incomms from CVS still work at Walmart for $499. Hopefully, I can get a $999 with 2 swipes. This $7.95 activation fee is ludicrous.

churnfun Aug 15, 2025 9:28 pm

I’m getting declines when trying to drain a seasoned Path/Incomm card (single swipe). The card gets put ON HOLD and I have to call in for replacement which is annoying. In my area only a single swipe usually works with Incomms, but lately I’m seeing this problem more often at different WMs. Has anyone facing this issue, or found a reliable workaround?

nini6180 Aug 16, 2025 8:05 am


Originally Posted by williet68 (Post 37252228)
I told the thread on July 1st. Pathward/Incomms from CVS still work at Walmart for $499. Hopefully, I can get a $999 with 2 swipes. This $7.95 activation fee is ludicrous.

I’ve never tried vanilla gc at Walmart because I read somewhere the Walmart rejects vanilla cards many years ago.

fly2fish Aug 20, 2025 8:25 am


Originally Posted by churnfun (Post 37265686)
I’m getting declines when trying to drain a seasoned Path/Incomm card (single swipe). The card gets put ON HOLD and I have to call in for replacement which is annoying. In my area only a single swipe usually works with Incomms, but lately I’m seeing this problem more often at different WMs. Has anyone facing this issue, or found a reliable workaround?


I've had this happen on my last 3 load attempts (to Serve) within the past week. I had been sailing along quite smoothly with $499 loads for the past year and a half. Something has definitely changed, and I suspect they (PW/IC) have lowered the limit once again. I haven't had a chance to figure out any workarounds yet, but my plan for my next outing is trying a $500 load split between two cards ($250 each).

Wonko Aug 20, 2025 10:29 am


Originally Posted by fly2fish (Post 37274441)
I've had this happen on my last 3 load attempts (to Serve) within the past week. I had been sailing along quite smoothly with $499 loads for the past year and a half. Something has definitely changed, and I suspect they (PW/IC) have lowered the limit once again. I haven't had a chance to figure out any workarounds yet, but my plan for my next outing is trying a $500 load split between two cards ($250 each).

Based on my experience and other posts in this and other threads, there seems to be a velocity limit of one card every 5 or 10 minutes. I expect your first swipe will fail and lock the card, and if it miraculously succeeds, the your second swipe will fail (don't know if will lock the card). My strategy is to expect the first card to fail and lock, say "let me try again" and swipe a second card to deliberately lock it, then leave to "call my bank". That way at least, one phone call will get me two replacement cards that work for the full $500 at any WM.

Several of my previously friendly WMs now want to see the cards up front, and at least two told me that Moneygram reps came and spent a few hours behind the counter with them. So I'm avoiding MOs and limiting myself to Discover and BB loads as much as possible, since the loads *usually* get less scrutiny.

fly2fish Aug 20, 2025 1:15 pm


Originally Posted by Wonko (Post 37274762)
Based on my experience and other posts in this and other threads, there seems to be a velocity limit of one card every 5 or 10 minutes. I expect your first swipe will fail and lock the card, and if it miraculously succeeds, the your second swipe will fail (don't know if will lock the card). My strategy is to expect the first card to fail and lock, say "let me try again" and swipe a second card to deliberately lock it, then leave to "call my bank". That way at least, one phone call will get me two replacement cards that work for the full $500 at any WM.

Several of my previously friendly WMs now want to see the cards up front, and at least two told me that Moneygram reps came and spent a few hours behind the counter with them. So I'm avoiding MOs and limiting myself to Discover and BB loads as much as possible, since the loads *usually* get less scrutiny.

None of what you're saying has been the case, ime. First of all, I was specifically talking about loading to Serve (don't know what method OP was using), and I've never had a problem with velocity. Consistently, for years now, I've loaded P1 and P2 Serves at Customer Service, and then proceeded immediately to electronics and repeated the same process, with maybe 3 minutes, at most, elapsing.

Second of all, if there are velocity limits, how does the first card fail? Are you saying that you can't get any cards to load to MOs, so you're purposely locking them so you can get replacements? I've never had any problem swiping 2 or 3 VVGCs for 1 or 2 MOs. For example: $1000 and $498 MOs paid for with 3 vgcs swiped for $499 each, plus $2 cash for the fees - all in one transaction. Also, in my part of the country WM MOs are issued by WU, not MG. So, I really have no idea what you're talking about, and I liquidate a minimum of $10k in VVGCs via Serve/MOs at WMs every month.

bdwyfan Aug 20, 2025 1:20 pm


Originally Posted by fly2fish (Post 37275100)
So, I really have no idea what you're talking about, and I liquidate a minimum of $10k in VVGCs via Serve/MOs at WMs every month.

It seems to me it is quite clear what he is talking about.
Just because you haven't encountered it, doesn't make what his experience is not true.
At least he states he is near Sacramento, CA.
Where exactly is your part of the country?

nini6180 Aug 20, 2025 2:14 pm

Any luck with 2 swipes for $999?
 

Originally Posted by williet68 (Post 37252228)
I told the thread on July 1st. Pathward/Incomms from CVS still work at Walmart for $499. Hopefully, I can get a $999 with 2 swipes. This $7.95 activation fee is ludicrous.



All times are GMT -6. The time now is 5:24 pm.


This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2026 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.