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-   -   InComm/Pathward Breakdown DPs (https://www.flyertalk.com/forum/manufactured-spending/2164960-incomm-pathward-breakdown-dps.html)

fly2fish Oct 5, 2025 10:33 am


Originally Posted by fly2fish (Post 37351757)
I've come across two 7-Elevens in my area (NJ) selling Incomm MGCGs (BIN 525362) for $5.95. This is excellent news for me, since I MS gas heavily and I know these cards load to BB at FD (VGC 409758s haven't worked for me at FD for over six months now).

I bought one as a test and was able to immediately load it for the full amount to my ONE card at SCO (still on the temp card).

Bad news is one of the stores also had SSVGCs at $5.95, so it looks like fees at 7-Eleven (and probably Speedways as well) are going up.

Tried again with another 525362, the only difference being loading at another WMSCO, this time declined and card locked.

benny08 Oct 5, 2025 11:29 am

Not all 525362 are created equal.
(525362)39 doesn't work.

fly2fish Oct 5, 2025 12:39 pm


Originally Posted by benny08 (Post 37355868)
Not all 525362 are created equal.
(525362)39 doesn't work.

Well isn't that interesting...in my almost ten year Manufactured Spending, I've never heard anyone imply that anything past the first six digits of a BIN makes any difference. I'll pay closer attention to that in the future.

In any event, both of these cards had the same BIN+2 (52536240).

neo848943 Oct 5, 2025 3:14 pm

Assuming all of the last few DPs are regarding Vanillas, if you use them for less than the full amount they should work fine. I always use them for $498 and leave and $2 (which I then use to partial pay for medical or utility bills or anywhere that isn't WM) and I've never had an issue. When you try to drain them for the full amount is when they get locked as a security precaution.

wallyt1215 Oct 6, 2025 2:13 pm

I used to do $498+$1 fee for $499 with Pathward/Incomm VGC (#40975833) but that didn't work today. I've been out the MS game for a few months but needa hit some MSR again.


Nice8080 Oct 8, 2025 10:59 am

just bought two of the $500 MC GC from CVS. How do I find out which company they are with? also, I am wondering what amounts to try for the MO.

Guidance appreciated.

bdwyfan Oct 8, 2025 11:08 am


Originally Posted by Nice8080 (Post 37361513)
just bought two of the $500 MC GC from CVS. How do I find out which company they are with? also, I am wondering what amounts to try for the MO.

Guidance appreciated.

On the back of the packaging.

Nice8080 Oct 8, 2025 1:28 pm


Originally Posted by bdwyfan (Post 37361531)
On the back of the packaging.

Thank you! It says InComm payments.

hurnik Oct 8, 2025 1:35 pm


Originally Posted by Nice8080 (Post 37361790)
Thank you! It says InComm payments.

Typically you'll see language such as:

Card is issued by XYZ, pursuant to blah blah
Card is distributed and serviced by ABC

Ironically both items matter IF you are going to do Money Orders/Discover Check loading at Walmart.

Ideally (IMO) you'd want issued by Pathward, serviced by Incomm in the above cases. Others may have a different opinion.

Nice8080 Oct 8, 2025 2:29 pm


Originally Posted by hurnik (Post 37361807)
Typically you'll see language such as:

Card is issued by XYZ, pursuant to blah blah
Card is distributed and serviced by ABC

Ironically both items matter IF you are going to do Money Orders/Discover Check loading at Walmart.

Ideally (IMO) you'd want issued by Pathward, serviced by Incomm in the above cases. Others may have a different opinion.

feelinglucky. Lol mine says issued by Pathward and serviced by Incomm.

Nice8080 Oct 12, 2025 10:55 am

Well this is a new one

tried the cvs bought pathway / Incomm $500 gc at superstore

$494 + $3 MO fee - no go
$469 + $3 MO fee no go

i had also tried this card 4/5 days ago at another location and it had been declined.

called GC customer service and they said card on hold now and will be sending me new card in 3-5 Biz days. May be 3 denials from same merchant, game over for the gc?

GranblueF Oct 12, 2025 11:24 am


Originally Posted by Nice8080 (Post 37368556)
Well this is a new one

tried the cvs bought pathway / Incomm $500 gc at lucky superstore

$494 + $3 MO fee - no go
$469 + $3 MO fee no go

$3 MO fee is crazy

Nice8080 Oct 12, 2025 12:59 pm


Originally Posted by GranblueF (Post 37368590)
$3 MO fee is crazy

right?! Yea quite limited for MO options in SF :/

fly2fish Oct 12, 2025 1:01 pm


Originally Posted by Nice8080 (Post 37368556)
Well this is a new one...
game over for the gc?

These cards getting locked up is nothing new...Game definitely not over.

Nice8080 Oct 12, 2025 1:04 pm


Originally Posted by fly2fish (Post 37368747)
These cards getting locked up is nothing new...Game definitely not over.

thanks for givin me hope ! Ha!

TTT103 Oct 14, 2025 4:56 pm

I was on a roll with no gift card challenges in quite some time. The past few days have been a mess with PW/IC cards being placed on hold almost daily while trying to load Discover at WM. Some cards worked and some didn't. Several replacements are forthcoming, but good grief!

Nice8080 Oct 14, 2025 5:30 pm


Originally Posted by TTT103 (Post 37372873)
I was on a roll with no gift card challenges in quite some time. The past few days have been a mess with PW/IC cards being placed on hold almost daily while trying to load Discover at WM. Some cards worked and some didn't. Several replacements are forthcoming, but good grief!

I didn’t know this but some people also request a check instead of replacement. I am gonna try that next time.

TTT103 Oct 15, 2025 6:35 am


Originally Posted by Nice8080 (Post 37372910)
I didn’t know this but some people also request a check instead of replacement. I am gonna try that next time.

I knew this existed, but it fell off my radar. I may do the same the next time a card gets placed on hold, which may be today or tomorrow. ;)

roberto767 Oct 18, 2025 5:06 pm


Originally Posted by Prometheus77 (Post 37346891)
I load the cards for $500 durimg purchase at B&M locations. I then use them first at FD to load $30 to BB or Serve. Then I'll liquidate the remaining $470 at WM to Disc, One, or WMMC. I'll had less fails doing them in that order.

​​​​​​Cards purchased online are still draining for the full $500.

Which cards are you buying online? And from where?

roberto767 Oct 18, 2025 5:11 pm


Originally Posted by fly2fish (Post 37351757)
I've come across two 7-Elevens in my area (NJ) selling Incomm MGCGs (BIN 525362) for $5.95. This is excellent news for me, since I MS gas heavily and I know these cards load to BB at FD (VGC 409758s haven't worked for me at FD for over six months now).

I bought one as a test and was able to immediately load it for the full amount to my ONE card at SCO (still on the temp card).

Bad news is one of the stores also had SSVGCs at $5.95, so it looks like fees at 7-Eleven (and probably was going to Speedways as well) are going up.

How do you reload temp ONE cards at SCO? I was trying today but couldn't figure it out. Do you still need the packaging with bar code?

fly2fish Oct 19, 2025 4:48 am


Originally Posted by roberto767 (Post 37379700)
How do you reload temp ONE cards at SCO? I was trying today but couldn't figure it out. Do you still need the packaging with bar code?

Read...

https://www.flyertalk.com/forum/manu...terthread.html

roberto767 Oct 19, 2025 6:23 am


Originally Posted by fly2fish (Post 37380221)

I've read almost all 42 pages before posting my question. I also mentioned that I tried to do it today and they're was no way to do it.

fly2fish Oct 19, 2025 9:03 am


Originally Posted by roberto767 (Post 37380291)
I've read almost all 42 pages before posting my question. I also mentioned that I tried to do it today and they're was no way to do it.

Ok fine, but ask over there, where ONE questions belong.

ra7 Oct 28, 2025 10:06 pm

Issue liquidating pathward MGC
 
I tried getting MO at Kroger with pathward MGC for 470 and it failed. This was the first time it happened. Anyone else experienced issues recently?

Idk Oct 29, 2025 7:48 am


Originally Posted by ra7 (Post 37397098)
I tried getting MO at Kroger with pathward MGC for 470 and it failed. This was the first time it happened. Anyone else experienced issues recently?

Just happened to me a little over a week ago. Posted in the Kroger thread. $450 MO failed, but mine was with a Pathward/BHN MCGC.

joemeckler Oct 29, 2025 11:58 pm


Originally Posted by Idk (Post 37397658)
Just happened to me a little over a week ago. Posted in the Kroger thread. $450 MO failed, but mine was with a Pathward/BHN MCGC.

The Kroger I went to today in AZ worked today for MCGC.

ra7 Oct 30, 2025 1:50 am


Originally Posted by joemeckler (Post 37398981)
The Kroger I went to today in AZ worked today for MCGC.

What amount did you try? Was it a incomm or bhn mcgc?

bdwyfan Oct 30, 2025 6:11 am


Originally Posted by joemeckler (Post 37398981)
The Kroger I went to today in AZ worked today for MCGC.


Originally Posted by ra7 (Post 37399079)
What amount did you try? Was it a incomm or bhn mcgc?

YES
1. amount
2. Incomm or BHN
3. MCGC or VGC

all important details to provide or the datapoint is useless

msp3 Nov 1, 2025 10:00 pm

I buy InComm SecureSpends and Vanillas from time to time, and previously could reliably buy 3 card or less of $500 each and never have a swipe problem, but am now getting these locked after swiping even if 2 are purchased together. 1 is still ok. Has InComm tightened the noose yet again? It's such a pain to talk to their outsourced streetshitters on the phone

bdwyfan Nov 2, 2025 5:56 am


Originally Posted by msp3 (Post 37404269)
I buy InComm SecureSpends and Vanillas from time to time, and previously could reliably buy 3 card or less of $500 each and never have a swipe problem, but am now getting these locked after swiping even if 2 are purchased together. 1 is still ok. Has InComm tightened the noose yet again? It's such a pain to talk to their outsourced streetshitters on the phone

Not sure what you mean by this.

roberto767 Nov 2, 2025 7:34 am


Originally Posted by bdwyfan (Post 37404664)
Not sure what you mean by this.

I think he means that if he bought the 3 GCs in the same transaction, the cards are getting locked if he tries to swipe multiple of the cards when loading or buying a MO.

roberto767 Nov 2, 2025 7:39 am


Originally Posted by bdwyfan (Post 37404664)
Not sure what you mean by this.


Originally Posted by msp3 (Post 37404269)
I buy InComm SecureSpends and Vanillas from time to time, and previously could reliably buy 3 card or less of $500 each and never have a swipe problem, but am now getting these locked after swiping even if 2 are purchased together. 1 is still ok. Has InComm tightened the noose yet again? It's such a pain to talk to their outsourced streetshitters on the phone

Yeah, it's a real process calling and getting cards replaced or asking for a refund. I've had multiple cards locked this week with more than $300 on each one. Takes about 10 to 20 minutes per phone call. But they have been cutting me checks at least. They say up to 3 weeks but they will arrive in about 3-4 days. I think I'm going to have to just have to swipe each card no more than once a day. Going to hit up WM today and I'll report back.

bdwyfan Nov 2, 2025 7:54 am


Originally Posted by roberto767 (Post 37404753)
I think he means that if he bought the 3 GCs in the same transaction, the cards are getting locked if he tries to swipe multiple of the cards when loading or buying a MO.

If this is indeed the case, then just make 3 separate purchases of 1 gift card each instead of 1 purchase with 3 gift cards.
Easy enough theory to test out.

Not sure why people are blaming the buying more than 1 gift card together as the problem instead of multiple swipes on 1 MO transaction as the problem.

roberto767 Nov 2, 2025 8:02 am


Originally Posted by bdwyfan (Post 37404779)
If this is indeed the case, then just make 3 separate purchases of 1 gift card each instead of 1 purchase with 3 gift cards.
Easy enough theory to test out.

Not sure why people are blaming the buying more than 1 gift card together as the problem instead of multiple swipes on 1 MO transaction as the problem.

Yeah, that's pretty obvious. I don't think it's the buying of the cards together, but rather swiping the cards more than once within a short time period. Do you have any data points to share?

bdwyfan Nov 2, 2025 8:14 am


Originally Posted by roberto767 (Post 37404789)
Yeah, that's pretty obvious. I don't think it's the buying of the cards together, but rather swiping the cards more than once within a short time period. Do you have any data points to share?

I am extremely risk adverse.
I never want to have them to send me a check or anything.
Checks get lost in the mail.
I only do one swipe. Period.

roberto767 Nov 2, 2025 8:23 am


Originally Posted by bdwyfan (Post 37404801)
I am extremely risk adverse.
I never want to have them to send me a check or anything.
Checks get lost in the mail.
I only do one swipe. Period.

Not sure if you're aware, but you come across as as kind of blunt (some might say outright rude/ condescending ) . Seems like you'll happily benefit from data points that others provide, but don't share many of your own. Maybe it's time to re-read the rules of this forum?

bdwyfan Nov 2, 2025 8:34 am


Originally Posted by roberto767 (Post 37404811)
Not sure if you're aware, but you come across as as kind of blunt (some might say outright rude/ condescending ) . Seems like you'll happily benefit from data points that others provide, but don't share many of your own. Maybe it's time to re-read the rules of this forum?

I don't care about data points of multiple swipes, because I have done multiple swipes and never will.

Several years ago, someone already posted in the Newbie thread what to do and I have followed his advice to this day.

I ask for datapoints for others who insist on doing the risky multiple swipes.
For datapoints to be useful, they must include all the relevant information.
Most of the datapoints given are incomplete.

This thread is about InComm/Pathward breakdown which means which ones work and which ones don't.

But people insist on doing multiple swipes which render a perfectly useful VGC useless and locked.
That is not on the VGC itself.

roberto767 Nov 2, 2025 9:51 am


Originally Posted by bdwyfan (Post 37404829)
I don't care about data points of multiple swipes, because I have done multiple swipes and never will.

Several years ago, someone already posted in the Newbie thread what to do and I have followed his advice to this day.

I ask for datapoints for others who insist on doing the risky multiple swipes.
For datapoints to be useful, they must include all the relevant information.
Most of the datapoints given are incomplete.

This thread is about InComm/Pathward breakdown which means which ones work and which ones don't.

But people insist on doing multiple swipes which render a perfectly useful VGC useless and locked.
That is not on the VGC itself.

The fact that you don't care is obvious. Following advice that was given to you years ago might be foolish, as conditions and circumstances change. What works fine on one card may have different results on another. Clearly you can understand that, correct?

I'm well aware of what this thread is about, but it seems like maybe you are having difficulty connecting the dots. No need to keep pointing out the obvious.

​​​

bdwyfan Nov 2, 2025 10:22 am


Originally Posted by roberto767 (Post 37404926)
I'm well aware of what this thread is about, but it seems like maybe you are having difficulty connecting the dots. No need to keep pointing out the obvious.

​​​

I have no difficulty "connecting the dots" if the dots had complete information.


Originally Posted by roberto767 (Post 37404926)
The fact that you don't care is obvious. Following advice that was given to you years ago might be foolish, as conditions and circumstances change. What works fine on one card may have different results on another. Clearly you can understand that, correct?
​​​

Things haven't changed. It has actually gotten worse.

Choosing to do something that wasn't intended such as multiple swipes when one swipe alone would work is being obstinate.

You are certainly welcome to continue to bang your head on the wall and whine about it not working

roberto767 Nov 2, 2025 11:20 am


Originally Posted by bdwyfan (Post 37404971)
I have no difficulty "connecting the dots" if the dots had complete information.


Things haven't changed. It has actually gotten worse.

Choosing to do something that wasn't intended such as multiple swipes when one swipe alone would work is being obstinate.

You are certainly welcome to continue to bang your head on the wall and whine about it not working

You choose to be obstinate and rude. That's your prerogative. Just be prepared to taste your own medicine (which you clearly don't like the taste of).

If things have gotten worse, that is change. I guess you struggle with this concept.

Reading comprehension is clearly not your strong suit, and you just make yourself look silly with your posts.

The only one whining here is you, champ. The rest of us are providing data points to help each other out. All I see you ever do here is patronize other contributors or those who may be new to this hobby.

You must be really fun at parties...


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