Walmart Did Not Allow Debit Card To Be Used As Credit Card.

  |     |   135 posts since 2013

On 5/1/2015, I had 5 out of 12 Walmart transactions post as debits. You have to keep close track of your credit transactions or you may be short on your rewards checking account requirements. Look at your receipts immediately to verify they were  credit and not a debit transactions (especially Walmart). On the Walmart receipt, look for the TOTAL. The line under the TOTAL  will say DEBIT TEND (debit)  or MCARD TEND (credit). I have only experienced this at Walmart. Sometimes, they do not give you the option to use it as a credit card. It automatically processes it as a debit even though you press credit card. There is no way to cancel it. You would have to go to customer service for a refund. It did the same thing at self-service and the cashier. The cashier and the self-service attendant could not make it process differently either.  It was not debit card or bank specific. I used different 4 cards for 3 transactions each as usual. 5 of the 12 transactions were processed as debits. This is the first time I have had this problem at Walmart. They may have changed something about their system.

Ken Tumin
  |     |   6,078 posts since 2009
Thanks for posting this info. It has been reported that Walmart has started to treat signature-based debit card purchases of under $50 as a special case of PIN-based debit card purchases known as PINless debit card transactions. I have more details in this blog post.
  |     |   135 posts since 2013
On 5/1/2015, 5 of 12 transactions processed as debit on 4 different debit cards.  At self-checkout, 2 went through as debit. The attendant sent me to the cashier because she could make it go as credit. She couldn't. I told the cashier I needed to use my debit card as a credit card. All of the cashier transactions, (stopped her at 3) went through as debit. The screen only gave me an option to get cash or not. I went back to self-checkout and got the 7 remainder transactions processed as credits.
On 5/4/2015, 7 of 7  transactions processed as credit on 3 different debit cards through the self-checkout.
I advise everybody to use self-checkout at Walmart.
  |     |   20 posts since 2013
According to my Credit Union, McDonald's is also doing this. My CU has been deluged with phone calls since May statements came out and people didn't see the interest paid on these accounts. The CU is correcting it for May only.
Paul Lukasiewicz
  |     |   1 posts since 2016
I have not had any problems at the McDonald's in my area (PA.) Most of the time though, I use Apple Pay, connected to my debit card, and it pushes it through as credit without a problem. Walmart does not accept Apple Pay. I'm wondering if you use Walmart Pay if you're able to push it through as credit too, or do you have the same credit/debit issue as with a regular card?
  |     |   2 posts since 2016
The short answer:  Pre-swipe your card and you can force it through as credit. :-D

The long answer:  I get cash back for using my card for signature purchases, and these changes were taking that from me by forcing things through as Pinless Debits.  I used to be able to just say no to cash back and then change the payment type to credit, but that hasn't been working since the changes that Wal-Mart made.  

I discovered that if I swipe my card ***before*** all of my items have been scanned, then the system will ask me if I want cash back as usual, and after hitting "No" and selecting "Change payment" and then "Credit" and it will actually go through as Credit.  If you don't pre-swipe, then you may get those same options on the screen, but the system forces it through as Pinless Debit.  Pre-swiping is the key!

Of course any transaction over $50 can go through as Credit just fine, but I make lots of smaller purchases using my PayPal debit card, and I want my cash back for every one of them.  Try it at your local Wal-Mart and see how it works for you.  Hope this is helpful to someone. :-)

  |     |   135 posts since 2013
Thank you so much. If you live in Georgia, doesn't care if it debit or credit. According to rep via E-mail.  At Destinations Credit Union, debit card purchases count.
  |     |   2 posts since 2012
Kiwi, have you verified that this is the case? When I opened an APB account in May of last year, I was told that the requirement was 12 POS debits per month. Kroger and Walgreens are the only merchants we shop at whose transactions reliably show up as POS debit. If you have a statement that has posted with less than 12 "POS DEB" transactions, I'd definitely like to know if they automatically qualified you for the higher interest rate.
  |     |   135 posts since 2013
Does the card you use have a chip? Thanks
  |     |   2 posts since 2016
I just wanted to drop by and give an update now that I've received my new PayPal Business Debit card with the new chip in it.

Unfortunately, I have been unable to find a way to prevent pin-less debits from occurring with the new card.

I believe that the way I was getting it to work before (swiping the card before all items were scanned at the register) used to work because the network didn't know what the final amount would be until the cashier totaled everything up. To the network, it was similar to swiping your card at the gas pump where the total charge is unknown until you stop pumping, then the charge is sent through later.

With the new chip cards, this method no longer works. It appears that the reader sits there and waits until it is given the final total, -then- it accesses the network and forces the transaction through as pin-less debit if it can.

For me, this means I'm going to have to switch to an actual credit card in order to get my cash back from here on out. I see Paypal is offering a 2% cash-back card right now, so I'll probably go that route, since my primary card was already a Paypal business debit.
  |     |   1 posts since 2018
Hi there, thanks for this info. I came here from searching about this after it happened to me too at Walmart and Ralph's (Kroger) with the same Paypal Debit Mastercard. There seems to be no way to bypass this at these stores. One thing I've not tried is to force a magstripe transaction, but the chip has to be damaged in order to force a backup magstripe transaction.

At Target, they're being sketchy. They don't give you the option for credit/debit, but if you just press enter at the PIN screen without inputting the PIN, it will process through the credit network, and give you your 1%.
  |     |   1 posts since 2018
With the old swipe you did not have to pre-swipe to select credit if it defaulted to debit. Here is how you could get around it: You could select you wanted cash back, select an amount, select ok, and then on the next screen select change payment and it would allow to change to "credit". However I have not found a way to do this with the new chip Paypal card. Another way to keep us from getting our cash back bonuses. BOO!!!
  |     |   9 posts since 2016
Same thing happened to me at Walmart and now at Giant Eagle.  Consumers Credit Union would not honor the transactions.  I had no clue this had occurred, as I was not in the habit of checking the receipts.  I closed the account because I felt they should have honored it for that month, with a warning going forward.  However, it is going to be a hassle going forward if other merchants start doing this.  You'll run out of stores to shop at to fulfill the requirement.
  |     |   2,893 posts since 2010
Lake Michigan Credit Union allows anyone to join or did allow everyone to join. They pay 3% up to $15,000 with 10 debits a month either as a pin or signature based. I have had this account for years. 
I think I opened it when United Federal reduced their rate from 6.5 or 6.25 in 2008. They have continued with 3% throughout the financial crisis and have not change any of the requirements. 
  |     |   501 posts since 2011
I have never done by RCA transactions at walmart, I usually do them at a few gas stations that don't shut me down for too many transactions. One station had a crazy foreigner saying "You no buy 2 cent only" Others shut me down from inside. Once, a station called the police on me and another threatened too so I stopped. Cant blame any of them because of the fees they likely pay.

In the winter, I can pay my gas bill $1 at a time repeatedly but 6-7 months of the year, I use no gas and my bill is only $8 or something so thats just 8 transactions. I could also pay AT&T that way but I prepaid for the next 10 months because of a 5% cashback deal. I find myself prepaying a lot of things when the rewards for doing so justify it. My 2% credit card is 3% for the next 2 weeks because I went over my average spend so Im considering paying my taxes by credit card too. Never done that before but did not realize the federal fee was down to 1.99% either.

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