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HomePopularHow To Use Visa Debit Gift Card

How To Use Visa Debit Gift Card

Is The Gift Card Being Run Correctly

Can You Use Visa Debit Gift Card On Xbox Live?

To use a Visa gift card as a debit transaction, youll need to enter a Personal Identification Number at the Point of Sale terminal. Without a PIN, the gift card should be run as a credit transaction.

If your gift card is not working or you are not sure how the gift card should be processed, ask the cashier. I find that most cashiers know exactly how to handle each type of payment method presented.

Need to check the balance of your gift card? See if your card is in our Gift Card Balance Check Directory.

Why Is My Debit Card Being Declined Even Though I Have Money

When your debit card is declined despite having the funds to cover the transaction, it could be something as simple as a wrong PIN or expired card, or it could mean that there was a security issue. For instance, your bank may have reason to believe that your identity has been stolen, in which case it will freeze all your cards and accounts until it’s sure that you are the only one accessing the funds.

Simple Options To Convert Visa Gift Cards To Cash

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Receiving gift cards is great but making sure youre actually able to use the balance is the best part of all. Thats why seeing how to convert Visa gift cards to cash can be a great way to make sure that you use whats on the card with the added flexibility of being able to spend the balance anywhere!

Perhaps you were given the card as a gift or you bought it as part of a promotion. The latter is pretty common, as youll often find stores that offer discounts or bonus deals if you buy Visa gift cards from them. This can, in turn, save you a good amount on the actual value stored on the card.

You could even have gotten it by having earned it yourself! Sites like Swagbucksoffer this from time to time, by letting you earn Visa gift cards for free by watching videos, playing games and searching the internet.

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But now that youve got the card, you may be struggling to figure out what to do with it. Or you could just prefer to have straight up cash to be able to use it how you want.

  • Final thoughts on converting Visa gift cards to cash
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    How To Use A Visa Gift Card Online

    The beauty of receiving a Visa gift card is that it gives you the flexibility to use it with any online merchant that accepts Visa debit cards. Depending on how your card was purchased, it may be already activated when you receive it. If not, you’ll have to activate it before you can use it, and if you want to use your Visa gift card online, you”ll also have to register it.

    Possible Reasons Why Your Visa Gift Card Might Not Be Working Online

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    Although Visa, Mastercard, Discover and AMEX gift cards are accepted online, in stores and just about anywhere these major brand debit cards are accepted, sometimes people have difficulties using their bank-issued gift cards online. If you are entering the gift card into the correct field on the website, then it is possible the gift card is being rejected for another reason.

    In addition to this list of things to try if your Visa gift card is not working, the most common reasons gift cards decline online are listed below:

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    Visa Gift Card Troubleshooting Guide:

    Having issues with your Visa gift card? Ask yourself the following questions to troubleshoot your issue.

    • Did you make a typo? If you get an error when trying to make an online purchase with a Visa gift card, the first thing you should always do is check if the name, address, card number, and security card are all correct. Its very easy for a finger to slip and cause a typo.
    • Is the merchant based outside the U.S.? If youre still having issues, check if the store youre trying to buy from is located outside the United State. Because of the recent legislature, most gift cards sold within the U.S. are restricted from being used at merchants outside of the U.S. If your card is a U.S.-only card it will say Valid only in the United States on the front.
    • Are you trying to use your Visa gift card at PayPal? You will run into issuer blocking if you try to redeem your Visa gift card at a business where that allows you to convert a payment into cash. You cant convert your Visa gift card for cash because of money-laundering concerns. Since PayPal falls into this type of business, this is why you cant use your Visa gift card there.
    • Are you trying to sign up for a monthly service? If you try using your Visa gift card to sign up for recurring services, its possible that the merchant may block prepaid cards from being used. They do this because they know there is only a limited amount of funds on the gift card and that the payment will fail eventually.

    Can You Get Money From Selling Your Gift Cards

    The answer is yes. The first consideration is that you may want to sell your gift card to friends and relatives first. If they don’t want it, you can turn to a number of websites like Prepaid2Cash or MyGiftCardPlus to sell your gift card.

    Just make sure that the site is legitimate so that you don’t end up getting scammed out of more money or lose your gift card.

    Also make sure that by the time you do sell your card, that it hasn’t expired. The last thing you want is to sell your gift card to someone and have it be completely expired.

    To ensure this doesn’t happen, list your gift card weeks before the expiration date to ensure you have enough time to sell it.

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    Can The Bank Find Out Who Used My Debit Card

    If your card was fraudulently used, the bank may be able to find out who used it. It all depends on how the card was used and if any identifiers were left behind. For example, an ATM or retail store may have a security camera to capture the person’s image. Or, if the card was used online, an IP or shipping address may help to find out who used it.

    Can You Turn A Visa Gift Card Into Cash In Hand

    How To Activate And Register Target Visa Debit Gift Card

    There are ways to turn a Visa gift card into cash in hand, although these tend to be limited to those options when youre trading your card in in-person, such as when selling it to someone or converting a Gift Card Kiosk voucher into money.

    However, having the money added to your PayPal or bank account is as close to cash in hand as you can get. Simply add the extra step of going to withdraw it and youre on your way.

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    Where Do The Gift Card Numbers Go

    In the payment example above, you would enter gift cards as follows:

    1. Visa Gift Card: Input a Visa gift card, Mastercard gift card, Discover gift card or American Express gift card into the Credit/Debit card fields on the left, circled in red.

    2. Store Gift Card: Input a store gift card into the card number field on the right, circled in blue.

    Keep in mind, the fields could be anywhere no the payment screen youre looking at. The most important thing to look for, however, is the fields marked as Credit/Debit card.

    Incidentally, this example also shows how to make a payment online when a store gift card amount will not cover the full amount of the purchase. Using two forms of payment is called a split tender transaction. You would enter the store-issued gift card into the gift card field and use another form of payment to complete the purchase.

    If you do not have a store-issued gift card and need to make a partial payment with a Visa gift card, then read this tip on how to make a partial payment with a Visa gift card online.)

    Things To Try If Your Visa Gift Card Is Not Working

    Shop eGift Cards from Visa and Other Top Brands quickly and easily.

    Visa® gift card not working? There are a number of reasons why a gift card may be declined. The most common reasons are that the card hasnt been activated, the cashier is running the wrong type of transaction, the dollar amount being charged is greater than the cards balance or the credit card processing machine is bumping up the charge amount to either place a hold on the card or to allow for a gratuity.

    Below are the top reasons why your Visa gift card doesnt work and six things you can check before calling customer service:

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    The Tricky Thing About Using Visa Gift Cards Online

    The most important thing to know about using a gift card online is that you enter the Visa gift card number into the debit or credit card payment field rather than a gift card field.

    So if the dollar value of transaction is greater than the dollar amount on your Visa gift card, the transaction will decline and you will not be given the chance to enter a bank card to pay the difference.

    If this happens to you, do not worry. Ive got some gift card hacks to help you use your gift cards online even when your gift card is less than the balance.

    Problem #: Gift Card Fraud

    Vanilla Visa Debit Gift Card  Card Amount: $25.00 ...

    Finally, thieves love gift cards. On his show, Clark shared how he heard a story from someone who went to use a new Visa gift card, but the value had already been emptied.

    Visa gift cards can be replaced if theyre lost or stolen, but there may be a fee involved sometimes $5 or more.

    This is just one more reason Clark prefers credit over debit or gift cards. If you report a credit card lost or stolen, no money typically comes out of your pocket.

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    Turn Your Visa Gift Cards To Cash By Buying And Reselling Items

    This may take a few extra steps to do but it may be the only other option on this list that lets you make money from converting your Visa gift cards to cash .

    As mentioned, most stores treat Visa gift cards like credit cards. This means that you can generally use them to buy items at almost any store, so keep an eye out for things that are either heavily reduced or in high demand.

    In both cases, theres a good chance you may be able to resell the item at a higher price than what you paid. This, in turn, will let you eventually get cash from your gift card.

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    Is The Gift Card Balance More Than The Purchase Amount

    Visa gift cards are linked to bank accounts that cannot be overdrawn. If the purchase is greater than the funds available, the card may be declined. To use a Visa gift card for partial payment, ask the cashier to split the purchase into two transactions. First, deduct the full amount of the gift card, then pay the balance of the purchase with another form of payment.

    It used to be that you could not use a Visa gift card to buy anything that cost more than the balance of the gift card, but payment processing terminals are much more sophisticated now. I always make a point to tell the cashier that Im paying with a gift card and whether or not I believe it will cover the full purchase price. This allows both of us to be prepared for a split-tender transactionor completing the transaction with a second form of payment.

    Read here for more information on Split-Tender Transactions.

    When the gift card balance is less than the transction amount, use this trick to make a partial gift card payment online.

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    Go To A Gift Card Exchange Kiosk To Trade It In

    One super easy way to convert Visa gift cards to cash is to find a Gift Card Exchange Kiosk. Theyre usually yellow and you can often find them in shopping malls and supermarkets.

    All you have to do is enter your gift cards information into the kiosk, which will include things like the set of numbers on the front of the card.

    Youll then be presented with a range of offers for you to decide which one you want. Once youve made your selection, youll be issued a voucher to take to the cashier to get your money.

    Related: Coinstar Gift Card Exchange: A Way To Get Quick Cash?

    Can I Use My Navy Federal Visa Gift Card For Online Or Phone Purchases

    How To Use Visa Gift Cards Online

    Yes. To make an online or phone purchase, youll need to register your card. After signing in to navyfederal.org/mygiftcard, select My Profile under My Settings and enter your name, address and phone number.

    When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your card. If the information is different, the transaction may be declined.

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    Can I Pay With More Than One Visa Gift Card

    YES with this Gift Card Hack:Many people think that you cannot use a Visa gift card online if the transaction exceeds the dollar value on the Visa gift card. While that is true, the problem is more of a technical issue than a limitation of the gift card.

    When you look at an online shopping cart, you will generally see a field to enter a gift card number and a field to enter a debit or credit card. The split tender or partial gift card payment transaction is possible when paying with a store gift card because you enter the store gift card into the gift card field and you enter your debit or credit card into the other field. But since a Visa gift card is entered into the debit or credit card field, theres no other place to enter your debit or credit card to complete the transaction.

    Without a little creativity, there is generally no way to use more than one Visa card to complete an online purchase. I have never seen an online shopping cart that allowed more than one bank card, of any type, to be applied to a purchase.

    Can You Take Money Off A Gift Card

    Sadly, probably not. You can’t simply take a gift card to an ATM machine and get cash immediately.

    Why? Just for the simple fact that it is a gift card. However, there are plenty of options that you can do to get money in exchange for the value of the gift card.

    You can likely get money off of a reloadable prepaid card. But that’s not the question. We are talking about gift cards. Based on our research, the best option to get cash in exchange for a gift card is to simply sell it for a discount instead.

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    Transferring The Gift Card Balance

  • 1Charge the gift card balance on Square. The gift card will be authorized, the card’s balance will fall to zero, and the funds will be deposited by Square into your bank account within one business day.
  • If Square does not allow the transfer, you will see a note that it is against their policy to transfer a Visa gift card balance. They will still charge the 3.5% or 2.75% fee to your bank account, and the balance will get credited back to the Visa gift card.
  • 2Check your bank account for the money. It should take just one business day for the money to show up in your account. Allow an extra day if you made the charge later in the day, some banks also take time to process it. The transaction could show up as a pending deposit and may not have immediate availability. Check your bank’s policies online or with your branch.
  • A bank’s stated policy is typically the worst case scenario for your fund availability. It is often faster than the stated time frames.
  • 3Check the Visa gift card balance. The Visa gift card should have a zero balance if you successfully transferred the funds. However, if Square rejected the transaction, you will need to check the balance and make sure the fund were returned to the Visa gift card.Advertisement
  • Debit Cards Vs Credit Cards

    10 Ways To Liquidate Prepaid Visa &  Mastercard Gift Cards

    Debit cards make it easy to spend money. But when it comes to debit cards that are linked to your checking account, there is a significant risk involved: That card pulls funds directly from your bank account.

    If your card gets stolen , your checking account could get drained by a thief. You are protectedas long as you report the problem to your bank quickly enoughbut a temporarily empty bank account can cause stress and other problems.

    If youre concerned about problems in your checking account, use a credit card for day-to-day spending and online shopping instead of using your debit card. Credit cards have more consumer protections, and, more importantly, the money doesnt leave your bank account before you become aware of any problems.

    Pay off your entire credit card balance in full every month , and you can avoid interest charges.

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