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

Sean54 Apr 28, 2025 5:03 pm


Originally Posted by Wonko (Post 37019227)
A few days ago I had a $500 Pathward/InComm BIN 409758 purchased at Safeway fail at one of my usual Sacramento area WMs for a $240 swipe. The register slip didn't show an error code, just the message "DEBIT NOT APPROVED CALL AUTHORIZER", and the CSR told me I couldn't use a gift card without seeing my card. A couple of days later I tried again and the same thing happened, this time the CSR asked me if I was using a credit card and then told me I couldn't use a gift card, again without seeing the card. The same card later worked at another WM and then at a WMNM. So, it appears that this particular WM is coded to reject gebits and the CSR can see that it's a gebit from their side, but it isn't a systemwide update at least yet.

I've had the same thing happening. My regular CSR was on their phone, not even looking what I was swiping. Then looked at their screen and asked if I was using a gift card. I said "no", and they said, "weird", try again. Tried again, same issue. Debit not approved message on their screen. Usually a little paper comes out showing the error message, but not this time. This was a single swipe. Something for sure changed.

spam Apr 28, 2025 7:07 pm

Got a Code 56 rejection last night at WM. Pathward Visa BIN 4358 80, boughat at Ralphs (Kroger affiliate in CA), was loading $480.

When checked online, didn't even show the attempt at WM.

liw5215 Apr 28, 2025 7:41 pm


Originally Posted by spam (Post 37054929)
Got a Code 56 rejection last night at WM. Pathward Visa BIN 4358 80, boughat at Ralphs (Kroger affiliate in CA), was loading $480.

When checked online, didn't even show the attempt at WM.

for 4358 80 (BH network), try something below $450.

liw5215 Apr 28, 2025 7:44 pm


Originally Posted by Sean54 (Post 37054771)
I've had the same thing happening. My regular CSR was on their phone, not even looking what I was swiping. Then looked at their screen and asked if I was using a gift card. I said "no", and they said, "weird", try again. Tried again, same issue. Debit not approved message on their screen. Usually a little paper comes out showing the error message, but not this time. This was a single swipe. Something for sure changed.

I have encountered a lot of ""DEBIT NOT APPROVED CALL AUTHORIZER" when loading the discover since last week. I checked all failed debit cards online, saw that all transactions went through first, then got reversed. don't know what is going on.

spam Apr 29, 2025 1:39 am


Originally Posted by liw5215 (Post 37054969)
for 4358 80 (BH network), try something below $450.

OIC... thanks for the suggestion. Any good DPs on this?
TIA

spam Apr 29, 2025 1:40 am


Originally Posted by liw5215 (Post 37054969)
for 4358 80 (BH network), try something below $450.

OIC. Thanks for the input. Any good DPs on the amount to use?

TIA

liw5215 Apr 29, 2025 6:54 am


Originally Posted by spam (Post 37055408)
OIC. Thanks for the input. Any good DPs on the amount to use?

TIA

try to $200, then $99 if $200 not working. BIN 4358 80 from BHN is pain in a** to liquidate, definitely avoid them.

strummerjones Apr 29, 2025 10:18 pm


Originally Posted by Wonko (Post 37019227)
A few days ago I had a $500 Pathward/InComm BIN 409758 purchased at Safeway fail at one of my usual Sacramento area WMs for a $240 swipe. The register slip didn't show an error code, just the message "DEBIT NOT APPROVED CALL AUTHORIZER", and the CSR told me I couldn't use a gift card without seeing my card. A couple of days later I tried again and the same thing happened, this time the CSR asked me if I was using a credit card and then told me I couldn't use a gift card, again without seeing the card. The same card later worked at another WM and then at a WMNM. So, it appears that this particular WM is coded to reject gebits and the CSR can see that it's a gebit from their side, but it isn't a systemwide update at least yet.

There are a few stores in the LA/OC area where this has happened as well. One has been hardcoded for a couple years, but several others flipped the switch in the last few months, and I’m finding more CSRs requesting to see my cards at otherwise “safe” stores. Just today one asked, read the words “gift card” out loud, then saw my name on the card and let the transaction go forward. Thanks, Uncle Simon :)

Sean54 Apr 30, 2025 10:05 am

Are the MC also getting locked / declined?

radonc1 Apr 30, 2025 11:46 am


Originally Posted by Sean54 (Post 37058338)
Are the MC also getting locked / declined?

I have not seen DPs yet on MCs being locked.

Maybe someone can supply one?

Prometheus77 Apr 30, 2025 11:57 am


Originally Posted by radonc1 (Post 37058583)
I have not seen DPs yet on MCs being locked.

Maybe someone can supply one?

I've had a fair number of the MCGCs from CVS locked. Think it was around 75% of them getting locked and requesting new cards before I threw in the towel on them.

radonc1 May 1, 2025 11:05 am


Originally Posted by Prometheus77 (Post 37058609)
I've had a fair number of the MCGCs from CVS locked. Think it was around 75% of them getting locked and requesting new cards before I threw in the towel on them.

Were they just from CVS? I just recently tried MCGC from Staples for $200 loads at the WM cashier and they worked well.

Prometheus77 May 1, 2025 2:57 pm


Originally Posted by radonc1 (Post 37060581)
Were they just from CVS? I just recently tried MCGC from Staples for $200 loads at the WM cashier and they worked well.

CVS and Shaw's. I never tried the Staples MCGC.

Sean54 May 4, 2025 6:09 pm


Originally Posted by Sean54 (Post 37058338)
Are the MC also getting locked / declined?

Interested in knowing whether $500 MC getting locked.

Sean54 May 6, 2025 6:08 pm


Originally Posted by Wonko (Post 37052707)
I've comfirmed that Pathward/Incomm Visas from Safeway fail and lock on the first swipe for $240 at several WM and WMSCs around me, both at Money Centers and Customer Service. The error code is 57 = Transaction Not Permitted by vendor. As of today they still work okay at WMNMs, and the replacements work for full value at all WMs.

Do Sutton's have the same issue?


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