Jun 22, 2013, 10:42 am
Last edit by: ChrisFlyer66
There is a new thread for 2017: http://www.flyertalk.com/forum/manufactured-spending/1819569-pin-available-now-visa-mc-prepaid-debit-cards-2017-a.html
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
Federal Reserve interpretation of Dodd-Frank financial reform regulations has resulted in Visa/MC gift cards getting PINs as of April 1, 2013.
Setting PINS
- MetaBank VISA or Sunrise VISA -use the last four digits of the card number (or to set personal PIN call 888-524-1283)
- US Bank VISA and Mastercard - Newer cards come with a PIN printed on cardstock inside the package. To set/reset PIN, call 866-952-5653. One person reports: VISA that has pre-set PIN locks PIN on first use if not previously reset; always call to set PIN before use. If you forget to reset the pin and you can't unload the funds to your BB, call the toll free # and ask rep. to "reset" the card and they will do some magic and you should then be able to unload the funds at WM.
- Vanilla VISA and OneVanilla(not MyVanilla, etc) - selection of 4 digits on the first transaction becomes the PIN
At Walmat, many MCs default to credit(and fail) and require pressing a button to change the payment type to debit. Here are the workarounds:
Old POS systems (monochrome black on green terminals and replacement color terminals):
1a. Screen shows "Insert or Swipe Card Quickly" with "Espanol" button in lower right (note if your screen blinks)
1b. Swipe card
1c. Screen shows "Waiting for cashier..." with with working animation in lower center and "Cancel" button in lower right
2. Press "Cancel" on the screen or red button on pad (if your screen blinks, do not hit button until after blink)
3. Press "ATM/DEBIT" from upper left
4. Press "No Cash Back"
5a. Enter PIN
5b. Screen shows "Waiting for cashier..."
6. Cashier hits blue (not green) Debit button on their side.
New POS systems (color terminal):
1. Swipe GC
2. Press "Change Payment" on screen (Yellow button on pad should also work, but screen works better for some. Timing is critical.)
3. Press "DEBIT"
4. Press "No Cash Back"
5. Enter PIN - Screen showing another 'Waiting for cashier...'.
6. Ask Cashier to hit blue color Debit button on the screen
When splitting transactions among multiple cards at a Walmart register, make sure to have the cashier hit the debit button on their physical keypad. If they hit the debit button on the touchscreen, it will not work. If your transaction got declined, try having the cashier hit 'Debit' using the physical keypad on the right of the screen.
As of 6/19/2014, Walmart rejects Debit attempts above $49.99 on all cards issued by InComm/ITC Financial Services, namely all Vanilla VISA and OneVanilla. There is no workaround.
Error Messages
DEBIT NOT AVAILABLE
Not enough funds available to cover whatever amount was typed in, or most likely NOT typed in.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again.
PIN available now for Visa/MC prepaid debit cards(2013-2016).
May 3, 2013, 6:40 pm
#962
Join Date: Nov 2002
Posts: 164
Are you guys using different emails addresses / mailing addresses / ssn's? I just tried on my Priority Club card and got the limit error when I haven't used the card before to buy Chase GC's...
Update - Weird. I had first tried to buy 5x$500 and got the limit problem. Then decided to use Chrome incognito. Tried to buy $1K and it worked. Then bought another $1K and that worked too. Then tried to buy $500 and got the limit error. The only thing I can see what caused the first error is either cookies or I tried to buy too many in the first go-round on the new card.
Update - Weird. I had first tried to buy 5x$500 and got the limit problem. Then decided to use Chrome incognito. Tried to buy $1K and it worked. Then bought another $1K and that worked too. Then tried to buy $500 and got the limit error. The only thing I can see what caused the first error is either cookies or I tried to buy too many in the first go-round on the new card.
Last edited by Cbass98; May 3, 2013 at 6:58 pm Reason: update
May 3, 2013, 7:54 pm
#963
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
For those who have done $2,500 on multiple cards, is this $2,500 on each individual card (e.g. 6 cards x $2,500 each = $15,000 total)? Or is this $2,500 total spread across multiple cards? Hoping it is the former!
May 3, 2013, 10:45 pm
#965
Join Date: Feb 2012
Location: MSP
Posts: 376
data point from today: I tried to load BB with meta bank gift cards at WM and get "Debit not approved" error.
May 3, 2013, 10:51 pm
#966
Join Date: May 2013
Posts: 79
Look at the transaction history for the gift card if you can. If it's anything like the Vanilla Visa cards by Bancorp Bank, it'll list denials or other problems. One time it didn't work and I was over the daily limit.
May 3, 2013, 10:57 pm
#967
Join Date: Feb 2012
Location: MSP
Posts: 376
5/4/2013 purchase_reversal Mastercard Settlement Reversal $100.00 $200.00
5/4/2013 PIN Purchase Wal-Mart Store -$100.00 $100.00
5/4/2013 purchase_reversal Mastercard Settlement Reversal $100.00 $200.00
5/4/2013 PIN Purchase Wal-Mart Store -$100.00 $100.00
May 4, 2013, 12:05 pm
#968
Join Date: May 2012
Posts: 175
I found Visa and MC variable load GC ($25-$500) in the money center at Walmart. This may not be new news, but I was surprised to be charged sales tax on the $4.95 fee. I have not been charged sales tax at any other store before. I have purchased all of my GC in Texas. Anyone else come across this?
EDIT: the Vanilla MC GC did not go thru it said "tender not allowed." The employee was surprised because she thought they worked. I tried to buy the Variable load visa but I got declined due to fraud alert. I did not try to buy a Visa again.
EDIT: the Vanilla MC GC did not go thru it said "tender not allowed." The employee was surprised because she thought they worked. I tried to buy the Variable load visa but I got declined due to fraud alert. I did not try to buy a Visa again.
Last edited by rossrr; May 4, 2013 at 12:48 pm Reason: Updating info
May 4, 2013, 12:11 pm
#969
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
I found Visa and MC variable load GC ($25-$500) in the money center at Walmart. This may not be new news, but I was surprised to be charged sales tax on the $4.95 fee. I have not been charged sales tax at any other store before. I have purchased all of my GC in Texas. Anyone else come across this?
May 4, 2013, 12:19 pm
#971
Join Date: May 2013
Posts: 1,159
One reason I can think of without giving much thought is meeting spending req. or WM gift card to more useful conversion if it's still allowed.
At a local WM near by, they don't let me buy Vanilla GCs w/ CCs. Oh, yes, other day, I saw University something GCs (I think it was MC) right next to the Vanillas.
At a local WM near by, they don't let me buy Vanilla GCs w/ CCs. Oh, yes, other day, I saw University something GCs (I think it was MC) right next to the Vanillas.
May 4, 2013, 12:33 pm
#974
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Unless you are lucky enough to be getting your WM classified as "grocery" or meeting some spending requirement, can't say I understand. And your WM accepts CC for GC???