Are You Using The Visa Gift Card At A Hotel
Hotels often ask for a card during the check-in process, as a precaution, to cover incidental charges such as using the telephone, eating something out of the mini-bar, ordering room service or charging a meal to your room. When giving a card, the hotel may automatically place a hold on the card for the estimated amount of the stay, plus up to 30 percent for those incidentals. If the hold amount is greater than the balance of your gift card funds, then this pre-authorization amount may decline. To avoid having a hold placed on your gift card, use a credit card when checking into the hotel, but tell the clerk youd like to pay the final bill with your gift card.
How To Check Your Visa Gift Card Balance
The only way to check the remaining balance of your Visa gift card is to visit the website of the card issuer or call the toll-free service number on the backside of the card.
So there you go, youve learned how to use a Visa gift card online and how to solve nearly all the issues youll run into when trying to use the card to make purchases online.
Are You Using The Visa Gift Card At A Restaurant Or Salon
Although bank-issued gift cards are generally usable online, in stores, and anywhere that Visa or Mastercard are accepted, the merchant running the card through the system has more control over how the transaction is processed than the company that issued the card.
Older payment processing terminals at restaurants and other service merchants may automatically run an authorization transaction of 20 percent more than your total bill to ensure the gift card has enough funds to cover a gratuity. If this dollar value is greater than the card balance, the transaction may decline. Ask the cashier to charge only the bill amount or to reduce the bill amount by 20 percent and retry the transaction. Be prepared to pay the bill difference with another form of payment.
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Possible Reasons Why Your Visa Gift Card Might Not Be Working Online
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:
Pending Transactions Are Affecting The Balance
Every time you swipe or enter your Visa gift card number into a payment system , the system checks to see if the card has sufficient funds to complete the transaction. During this authorization check, the system will place a hold on the funds needed for the purchase. If the transaction is cancelled or later declined, then the pending amount is released. If the transaction is completed, then the pending amount is finalized and the card balance is reduced by the dollar amount of the final purchase.
Sometimes holds are not released immediatelyit can take several hours or several days to remove a pending charge depending on how each merchant system works. During that time, your gift card may decline if pending charges are tying up a portion of the gift card balance that you know should be available.
If your card is not working and pending charges are still affecting the card balance, wait a few days and try again. If you want to understand the process more, heres an article on why it takes so long for charges to clear.
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Are You Using The Visa Gift Card For A Car Rental
Many car rental companies require a credit card to make a reservation. To pay with a gift card, instead, make the reservation with a credit card but tell the attendant you will pay the final car rental bill with a gift card. Otherwise, you may be able to make the reservation but the hold on your card will prevent the final transaction from being approved.
Easy Ways To Convert Gift Cards To Cash
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Do you have a Visa gift card that you wish to exchange for cash? Here are several easy methods you can use to convert gift cards to cash.
Visa gift cards are a great way of saving on shopping. Most are sold during promotions where stores offer incentives for shoppers to buy and use them. However, sometimes people need to convert a Visa gift card to cash.
Well, no cause for alarm.
If you wish to convert your gift cards to cash, there are numerous ways to do it.
In this article, we will explore the most feasible ways available to convert that Visa gift card to liquid cash.
But why would you want to convert your Visa card? Well, there are a number of reasons why someone may wish to do this.
If you are like me and check your net worth on Personal Capital daily, you likely think gift cards are a waste of time and space. Why carry virtual money when you can have cold hard cash to invest or pay down debt?
These Visa gift cards cannot be used to withdraw money at an ATM, which therefore makes them somewhat inflexible.
Preferred Method for Converting Plastiq
Our preferred method to use to convert a Visa card is with Plastiq. Its completely free to join and you can pay for anything with credit cards. Even where credit cards arent accepted.
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What You Can Learn About Visa Gift Cards Here
In the post below, Ill talk to you about the following three things.
Though Visa, Mastercard and other bank-issued gift cards work online quite well, there are certainly a few things to know that can make for a more positive experience.
Want To Get A Visa Gift Card
A smart gift anyone can appreciate.
The Visa Gift card is an ideal choice for birthdays, holidays, weddings, and suits all your gift-giving needs. It’s also perfect for people of all ages. You decide how much money to give they decide where to spend it.
You will receive important information regarding the Visa Gift card such as how to activate and use the card. This information should be given to the recipient of the card.
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Can You Use A Visa Gift Card For Online Purchases
You might be wondering and have this common question: whether you can make use of a Visa gift card for your online purchases, here we are going to tell you.
So, the answer is yes, you can easily use this card to make and process all kinds and types of online purchases at your end. Furthermore, this card is packed and injected with a Visa logo and you can freely use this card to millions and trillions number of places.
This card is accepted everywhere and you can avail of it for your offline and online purchases.
When you make a purchase, you just have to handover this card to the specific merchant, he enters this card into the machines, then he is going to give you the receipt of your purchase.
The best part of this Visa gift card is that you can use to make your Amazon online purchases.
How Do You Activate A Visa Gift Card Online
There is a specific process to activate this Visa gift card online, below you can see the details and if you have any questions on this activation process, then you can ask and convey to us:
First of all, you have to visit and access the respective activation link that is marked and listed right there on the sticker part of your Visa gift card. This link is present on the front side of your card.
Some people prefer activating their card through phone calls and others opt for this online method. At times, this activation link is present on the backside, and sometimes, it is present on the front side of this card.
With the help of this link, you can complete the registration procedure of your card as well.
If you fail to see a sticker on your Visa gift card, then you can take help from the website that is marked and provided on the backside section of your card.
This website tells you who is the issuing vendor and by checking out that site, you can get the activation link from there.
When you get the activation link, then you have to open it and enter the correct and needed information so that this card can get activated as soon as possible.
This is an important step to register and activate your card. Upon activating this card, you can make purchases and even allowed to make in-person purchases.
This is a legal need and requirement that you have to fill all of these sections.
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Problem #: Not Always Easy To Use
Clarks second problem with Visa gift cards is that a lot of people say its difficult to use up the entire balance on the card, especially when theres only $5 or $10 left.
Although the cards can be used at millions of retailers where Visa debit cards are accepted, both online and offline, there are times when purchases are declined.
For example, a member of Team Clark received a Visa gift card that was disabled at gas pumps and had to go inside the station to use it.
Restaurants can also be tricky. Some of them authorize an additional temporary 20% gratuity charge to your bill, but the actual charge is the price of the meal plus any gratuity you add.
If your bill is $50 before tip, your $50 gift card may be declined due to the preauthorization hold.
Hotels and car rental companies also place preauthorization holds. You must always make sure you have enough money on the card to cover the purchase amount and the hold.
Explanation of pre-authorization holds from the terms and conditions:
When making a purchase at a merchant that provides certain services or accepts tips, a preauthorization hold may be placed on your card for the estimated total price of your transaction.
This estimated total price will be for an amount greater than the initial purchase, 20% or more, to allow for tips, incidentals or additional services and will reduce your available balance.
Can I Create A Pin
Yes – you can create a pin on the Gift Card website by selecting “My Pin” under the My Settings tab.
You can also request one at the time you activate your card using the toll-free number on the sticker. There is no charge for using the voice response system. If you activate your card on the website, you will need to call 866.543.9161 to request a PIN.
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How To Get Money Off Your Gift Card
Here is how to get money off a gift card.
The process is easier than you think. First, you have to check the balance on the card. This is so that you can determine if this is worth it or not.
Next, you are going to want to take your card to a gift card exchange kiosk. Follow the directions on the screen. Check over everything before you hit accept.
Take the receipt to the cashier and get your cash. Its like going to the CoinStar.
Alternatively, to get money from your gift card you can do the following:
- Sell your gift card.
- Use the gift card to buy an in-demand product and then sell the product.
- Buy money orders directly to pay yourself.
- Trade your gift card for something else. This is similar to selling but you can get a different product for it in exchange.
Where Can Gift Cards Be Used
It can be used to make purchases everywhere Visa debit cards are accepted.
Here are some tips when using the card at:
- Restaurants, Beauty Salons, Hotels, Car Rental Agencies – It is customary for service-oriented or travel companies to require an available balance over the purchase amount . This is to ensure sufficient funds for tips or accidental expenses.
- Gas Stations – Paying at the pump using this card requires at least a minimum balance of $100. However, only the actual amount spent will be deducted from the card. If your gift card balance is less than $100, you can use the card inside the station, as long as the purchase does not exceed the remaining balance.
- On-line Merchants – In order to use this card for merchants who use address verification to verify purchases, you must register your card on-line at www.harlandclarkegiftcard.com. Login as a “Returning Cardholder” and follow the instructions to register your card. Your card may not be used at age restricted on-line merchant sites.
How To Get Cash From A Gift Card
Gift cards have been the preferred present or gift of choice for nearly every occasion, including holidays, birthdays, Valentines Day and you get the point.
Gift cards seem to be the king of gifts when you dont know what to get that special someone.
But what if you dont get the right gift card?
That money shouldnt have to go to waste now, should it?
What if I were to tell you that you could get cash off of that gift card? Dont worry, this is perfectly legal and rather simple.
Visa Gift Cards: Frequently Asked Questions
What is a Visa Gift Card?Your DCCU Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.
How can I check the balance on my Visa Gift Card?Call the number on the back of your card for balances and transaction history.
How can I use my Visa Gift Card?You can use your Visa Gift Card at most places Visa Debit is accepted. See Terms and Conditions for further information.
What should I do when the merchants sales terminal asks me to press Debit or Credit?You should always press the Credit button. Although the Visa Gift Card is not a Credit Card, the transaction is processed like one. You should always sign a sales receipt.
When I swipe my card, the terminal asks me to input my PIN. What is my PIN?A Personal Identification Number is not issued with the Visa Gift Card. If a PIN is requested, simply press Cancel on the terminal, then select Credit to complete your transaction.
What if the item I want to purchase exceeds the value of my Visa Gift Card?If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, Credit or Debit Card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will be declined.
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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:
Top 5 Grocery Delivery Services And The Accepted Payment Methods
The demand for online grocery shopping increased significantly in the past few years. Grocery delivery services like Instacart and Shipt are servicing many customers across the U.S and have their own policies on what type of payment methods they accept.
Given that payment transactions are happening online, traditional payment methods like cash and checks are not accepted. However, some grocery delivery services accept PayPal, which is an additional convenience for those who have PayPal accounts.
I wrote a separate article on how to use PayPal to buy groceries. You should check out that article if youre interested in finding out more about this topic.
Below, you can find the accepted payment methods at the most popular grocery delivery services.
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Making A Purchase With Your Visa Gift Card
- What if I change my mind and want to cancel a purchase?
If a merchant cancels a purchase transaction for you, it may take three to seven business days for the cancellation to show up on your Visa Gift card record and for the funds to be credited to your card and available for use. Check the balance on your card, either online or by phone, to see when your cancelled purchase transaction has been processed. Refer to the back of your card for the web site address/phone number of the financial institution that issued your card.
- Why was my Visa Gift card declined?
- Your card may have expired. Check the expiry date printed on the front of your card. In this case, let the merchant know how much remaining balance you have on your card. The merchant may split the transaction and allow you to pay for part of your purchase with the Gift card, and then the remaining part of your purchase with another form of payment, such as a credit, debit or cash.
- Your remaining card balance may be less than the value of the item you wish to purchase.
- Merchants who only possess a manual imprint machine cannot accept Gift cards which have the phrase “ELECTRONIC USE ONLY” printed on the front of the card.
- Some internet merchants use fraud protection software that may decline a Gift card purchase transaction.
- Your card may not be activated or registered yet. Follow the activation and registration instructions that came with the card, or contact the card issuer