The One Big Catch: Insufficient Funds
This is the most common issue people have when using Visa gift cards online. So whats the problem?
Well, using a Visa gift card online is a little different than using that same gift card in a store.
When you go to the store with a $25 Visa gift card and buy something thats $30, the cashier would use the Visa gift card and then ask for a second form of payment for the remaining $5. This is known as a Split Tender Transaction.
Unfortunately, almost no online merchants are set up to accept Split Tender Transactions. This means if you attempt to buy something that exceeds the value on your Visa gift card youll get an insufficient funds error.
There are some hacky ways around this that allow you to use a Visa gift card for partial payment.
Activate Your Visa Gift Card:
First, you have to make sure youre Visa gift card is activated. If you bought it in a brick and mortar retail store then your gift card was most likely activated when you bought it at the cash register.
If you bought your gift card online it is possible that you have to activate it. Normally all you have to do is go to the website thats printed on a label stuck on the card and enter the 16 digit number along with the security code. You may have to call the 800 number printed on the gift card if there is no website.
Not sure if youre Visa Gift Card is already activated?
Just go through the process of activating your card again. It wont hurt and youll know for sure if its already activated or not.
Can You Use A Credit Card To Buy A Gift Card At Walmart
Retailers where you can buy gift cards with your credit card include Amazon, Target, Walmart, The Home Depot, Walgreens, CVS, Simon Malls and GiftCards.com. … Many credit card rewards programs allow you to redeem your points or miles for gift cards, so that’s another avenue to get them with your credit card.
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Are There Transaction Limits
Purchase transactions are limited to the available balance remaining on the Card. Some merchantsrestaurants, hair/nail salons, etc.preauthorize for an amount slightly higher than the actual transaction to ensure sufficient funds for tips, generally 20% of the transaction. This amount is held until the transaction settles and will not be part of the available balance. Only the amount signed for will ultimately be deducted. If the transaction is only a preauthorization and does not settle, the amount can be held up to 30 days from the date of the transaction.
To make a purchase greater than the balance on your Card, you will need to use another payment method – cash, check, credit card or debit card – to cover the difference. Tell the cashier the amount to deduct from your Card and how much you will pay with the other method. We do not guarantee the establishment will fulfill this request.
Can You Buy Gift Cards Online With A Credit Card
Asked by: Cordie O’Conner
You can buy gift cards with a credit card, in store and online, but there are a few things you might want to consider. … Plus, some credit card issuers also charge an additional fee for buying gift cards, so the value on the card might end up being much less than it cost you.
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Problem #: Gift Card Fraud
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.
Can You Use A Credit Card To Purchase A Gift Card
Yes, you can purchase gift cards using your credit card at most stores. Sometimes this is not allowed for several possible reasons, for example, due to a particular stores policy or a reported transaction from the card issuer. Although there may be exceptions, purchasing a gift card using a credit card is usually coded as a purchase rather than a cash receipt.
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Can I Use My Gift Card In A Foreign Country
Possibly, but please note these limitations. Gift cards do not have the EMV chip some foreign merchants may not accept the Gift Card as payment if they require the EMV Chip or for the name to be embossed on the Card. At times prepaid cards may be restricted from use in certain countries due to national security watch lists. Also, some locations may be unable to process debit card transactions and are only able to accept cash payments. Gift Cards cannot be used at ATMS or for cash advances. Purchases made with the Card in foreign currencies will be charged in U.S. dollars. The conversion to U.S. dollars will be made in accordance with Visa operating regulations. No currency conversion fee is assessed.
Reasons An Order May Have Been Cancelled
Your Visa gift card order may be cancelled for the following reasons: 1. The delivery address or email was deemed undeliverable.2. The personal or payment information provided did not match the details on file at your banking institution.3. Our third-party risk analysis partner refused to accept your order for compliance purposes.
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Visa Gift Card Payments Faq
Giftcards.com accepts Visa, Mastercard®, Discover®, and American Express® credit and debit cards registered to U.S. addresses. Gift Cards cannot be used to purchase additional gift cards. We dont presently accept international orders.
eGifts are delivered electronically and can only be used for online or over the phone purchases. There are no shipping fees for eGift cards. Refer to our Purchasing Fee Schedule page for more information.
How To Activate Your Card
Visa Gift cards can be used for purchases just like you use your other cards. Many Visa Gift cards are activated automatically upon purchase and may be used immediately. However, some cards must be activated before they can be used. Follow the activation instructions provided by the issuer with your card.
Sign within the designated area on the back before making your first purchase to help prevent someone else from using the card. Keep a record of your card number and the issuer contact information in a safe place, separate from the card in case of loss or theft.
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Easy Ways To Convert Gift Cards To Cash
Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase or sign up through my links, at no cost to you. Please read my disclaimer for more info.
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. It’s completely free to join and you can pay for anything with credit cards. Even where credit cards aren’t accepted.
Visa Virtual Account Faq
A Visa Virtual Account is delivered via email and delivery may take up to 24 business hours from the time of purchase.
Visa Virtual Account is only redeemable online and the balance of the card must cover the full amount of the transaction. Heres a tip! If the Visa Virtual Account balance is less than the transaction total, then first use the Visa Virtual Account to buy an eGift card from the online merchant. When the merchants eGift card arrives, apply the merchants eGift card to your purchase and pay the remaining balance due with a debit or credit card.
Both Visa gift cards and Visa Virtual Account are redeemable wherever Visa is accepted, however, Visa Virtual Account are only redeemable online and the balance of the Virtual Account must cover the full amount of the transaction. Visa gift cards are shipped via USPS or UPS, depending on the shipping method selected. Visa Virtual Account are delivered via email.
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Visa Gift Card Return Refund & Cancellation
Prepaid Visa cards are not returnable to Gift Card Granny. They cannot be redeemed or exchanged for cash, check, credit or another gift card.
If a recipient does not receive the Visa gift card, he or she should check spam folders, deleted email folders or automatic filters. If the card is still not found, contact our customer support team for assistance.
For additional questions regarding returns, please see our refund and return policy.
Find Your Initial Balance And Track Card Value
Before you use your card you should know your cards initial balance, and remember to track your remaining balance after each purchase.
You can check your card balance by visiting the website of your card issuer or calling their toll-free customer service number.
If you would like to make a purchase for an amount greater than the balance on your card, youll need to use a second form of payment to cover the differencejust tell the cashier in advance the amount youd like applied to your gift card. The balance will then need to be paid with the second payment method.
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Mastercard And Visa Gift Cards
Whats your occasion? Gift Card Store has the perfect prepaid gift card for every life event with more than 150 designs. Youll find the card thats just right for you when you browse the range of Christmas gifts, birthday gifts, wedding gifts,anniversary gifts, new baby gifts, Mothers Day giftsor Fathers Day gifts. Gift Card Store makes gift giving easy choose from a prepaid Visa gift cardor prepaid Mastercard gift card.
A prepaid gift card from Gift Card Store gives the gift of choice. You know theyll love to choose just what they want with a gift card designed for every life event from newborn giftsto thank you gifts, from engagement gifts to housewarming gifts and all the happy experiences you love to celebrate with a prepaid gift card.Gift cards are time saving and convenient. Nine out of 10 people say theyre Australias most popular gift! Secure and easy to use online or in store, a prepaid Mastercard or prepaid Visa card can be used anywhere in the world where Mastercard or Visa are accepted.
Check out the range and filter the results according to your preferred event to find the card that is right for you. Prefer to go DIY? At Gift Card Store, custom gift cards are easy. Design your own gift cardwith your own photo and personalised message for the ultimate in prepaid cards.
Buying Products To Resell
I know youve probably heard about this method, but if you havent, here is how it goes.
The technique not only offers you a chance to get cash out of your Visa gift card, but you can also make some extra money. In essence, its about taking advantage of great deals.
Platforms like PayPal allow you to pay for products through prepaid gift cards, and various retailers accept online payments.
Therefore, you can make an online or in-store purchase using Visa gift cards through PayPal.
If you spot a deal that is ideal for a product you can buy, you can do so and then resell the product at a profit or at a breakeven price to get your cash.
This can be a great option if you are able to get cheap deals for useful products that you can later resell.
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About Visa Gift Cards
Visa is the world’s most widely-accepted credit card company. They help over 200 countries connect people, governments, businesses and financial institutions. From financial inclusion to advancing digital currency, Visa offers its consumers and clients secure and cutting edge solutions to their financial needs.
Get the best Visa gift card deals when you shop Gift Card Granny. We take pride in our customization options, ease of ordering and speed of delivery. You can also save on the go with our mobile app!
Send a prepaid Visa gift card to anyone, for any occasion. Simply select a traditional plastic gift card or an eGift card that the recipient can download for immediate use. Usable to make purchases on anywhere* that accepts Visa as a form of payment.
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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Beware Of Visa Gift Cards: What You Should Know First
When you are looking to get someone a gift but dont know what to get them, you might have considered getting them a gift card so they can go buy whatever they like. But what if they dont shop at Bed Bath & Beyond or eat at Applebees? A Visa gift card seems like a great idea since they are accepted everywhere.
Before you grab that American Express, Discover, Visa, or MasterCard gift card off the rack, these gift cards may be a worst gift than giving socks on Christmas.
List Of Gift Cards Sold At Publix
Publix has a gift card for every special occasion. Shop their large in-store selection and find the perfect gift card for that special someone.
Publix carries over 166 different types of gift card brands in-store. Some of the most popular gift cards at Publix include Starbucks, Chick-fil-A, Bass Pro Shops, GameStop, Xbox Live, Roblox, Subway, Applebees, Golden Corral, Red Lobster, Visa, Fortnite, and American Express.
Denominations come in $5, $10, $25, $45, $50, $100, and $500 per card.
For your convenience, we have provided the complete list below in Alphabetical order.
To locate a Publix store near you, .
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Take Your Pick: Predesigned Or Personalized
These days, Visa Gift Cards are more than just a last-minute gift that is bought off a rack. We offer shoppers the option to go online and design their own cards for a more personal and memorable gift. And theres also a digital version, the Visa Virtual Gift Account, that can be delivered quickly via email.
They Are Convenient Until They Arent
Many people give Visa gift cards because along with MasterCard gift cards, they are accepted anywhere credit and debit cards are accepted.
However, people have run into situations where their gift cards are declined leading to embarrassment and frustration as the checkout line backs up.
The most common place where people have run into problems using a Visa gift card is at the gas station. Many gas stations obtain a preauthorization hold to ensure there are enough funds available to cover the amount of gas purchased when you are paying at the pump.
These temporary authorizations can be as much as $100. When this amount is more than the available balance on the card, it can lead to the card being declined. To use a prepaid gift card at a gas station, you should go inside to prepay at the register.
Restaurants are another place where you may have issues using your gift card. Some places preauthorize an extra 20% for gratuity when a card is swiped.
Other businesses that use preauthorization holds are hotels and rental car agencies. Make sure your gift card has enough funds available before using it at these places and carry cash or a backup card in case the charge is declined.
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