I’m pretty sure I’m not the only one who wasn’t always a fan of getting gift cards as a gift growing up. To me, gift cards just weren’t sentimental. They were an uncomplicated escape for someone who felt the need to give a gift. While I was happy to be receiving anything at all, I’m someone who believes that presents should have a personal touch and have meaning. Gift cards absolved the buyer of all obligation and meant that whatever I purchased only meant something to me. No memories shared.
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As time went on, I found gift cards to be a permanent thing in my life, so I resolved to accept them. Even in the freelance world, companies were offering to make payment via gift cards instead of sending payments to our bank account. Admittedly being paid via Sephora gift cards wasn’t that bad as I always had a new beauty product that I wanted to purchase (you can read how I stay on budget and still look great here), but when I companies started sending Visa/Mastercard/Amex gift cards myself and many other fellow freelancers weren’t to hip to the idea.
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Now Check Debit Card Number. Generate a fresh debit card number by clicking the given refresh button. Issuing network: Visa. Card number: 211956. Click below to check the validity of your generated debit card number Debit Card Checker Online. Sep 07, 2020 All modern contactless cards that make use of the Visa protocol, including Visa Credit, Visa Debit, Visa Electron, and V Pay cards, are affected by the security flaw, but the researchers posited it could apply to EMV protocols implemented by Discover and UnionPay as well. The loophole, however, doesn't impact Mastercard, American Express, and JCB.
Here’s why cash based gift cards don’t work for most people.
- They’re too restrictive: Have you ever taken a look at the terms and conditions that come along with a gift card? Yes, it’s technically you’re money; however, here’s a limited list of things you can do with it.
- They expire: The thought of money expiring still blows my mind, yet if you don’t use your gift card promptly you may lose all the money on it or a small portion of it every year after a specific date (it’s all in those pesky terms and conditions)
- You can’t get cash back. The money has to stay on the gift card. Meaning you have to keep up with exactly how much you spent at all times and only use the card for that amount or it can be declined.
- Some gift cards don’t allow you to use them to make online purchases. While there are some gift cards out there that let you register your name and address so that you can use them online, there are many that don’t. You can only use them in brick and mortar stores. There go those pesky restrictions again.
After receiving over $1000 in payments via Visa gift cards from a company, I was fed up and decided to try something that in theory seemed like a logical solution however the means by which I was hoping to achieve this had never been tested.
I was going to send myself an invoice and use the gift cards to pay myself with this Ultimate Gift Card Hack!
Sounds easy enough, right?
Here’s how to do it!
To set things into motion, I created an alternate PayPal email address.
I then added the visa gift cards as payment cards onto that PayPal account
Next, I proceeded to try and send money to myself as a friend.
Now here is where it gets a bit tricky because like me Paypal wants to be paid if we use their service so I had to make sure I calculated how much I would be assessed in fee’s when sending the payment (use this nifty calculator here). For instance, if I only had a card that had $100 on it, I could only pay myself $96.80. This way, the remaining balance would cover the fee.
Okay, so you might be thinking, “but, you’re losing money this way!”
Yes, you are, but think about it, would you instead pocket $96.80 in cash or be held captive by a piece of plastic for $3.20?
“I’ll take the cash for $100 Bob!”
So let’s carry on. Once you’ve paid the invoice you’ll get an alert via email, text, facebook, however, you’ve got it set up that you have sent yourself money and bippity boppity boop the money is now in your personal account and no longer on a gift card!
Now if a company insist on paying me via gift card, I don’t bother to argue because I know I can get the money off quickly and easily. If you need a video walk-thru on how to, this is done, I shared it on my IG storiesunder “Money Hacks.”
Give it a try and let me know how it works for you. I promise you’ll never look monetary gift cards (AMEX/Visa/MasterCard) the same way again.
Get ready for a facepalm: 90% of credit card readers currently use the same password.
The passcode, set by default on credit card machines since 1990, is easily found with a quick Google searach and has been exposed for so long there's no sense in trying to hide it. It's either 166816 or Z66816, depending on the machine.
With that, an attacker can gain complete control of a store's credit card readers, potentially allowing them to hack into the machines and steal customers' payment data (think the Target(TGT) and Home Depot(HD)hacks all over again). No wonder big retailers keep losing your credit card data to hackers. Security is a joke.
This latest discovery comes from researchers at Trustwave, a cybersecurity firm.
Administrative access can be used to infect machines with malware that steals credit card data, explained Trustwave executive Charles Henderson. He detailed his findings at last week's RSA cybersecurity conference in San Francisco at a presentation called 'That Point of Sale is a PoS.'
The problem stems from a game of hot potato. Device makers sell machines to special distributors. These vendors sell them to retailers. But no one thinks it's their job to update the master code, Henderson told CNNMoney.
'No one is changing the password when they set this up for the first time; everybody thinks the security of their point-of-sale is someone else's responsibility,' Henderson said. 'We're making it pretty easy for criminals.'
Trustwave examined the credit card terminals at more than 120 retailers nationwide. That includes major clothing and electronics stores, as well as local retail chains. No specific retailers were named.
The vast majority of machines were made by Verifone(PAY). But the same issue is present for all major terminal makers, Trustwave said.
A spokesman for Verifone said that a password alone isn't enough to infect machines with malware. The company said, until now, it 'has not witnessed any attacks on the security of its terminals based on default passwords.'
Just in case, though, Verifone said retailers are 'strongly advised to change the default password.' And nowadays, new Verifone devices come with a password that expires.
In any case, the fault lies with retailers and their special vendors. It's like home Wi-Fi. If you buy a home Wi-Fi router, it's up to you to change the default passcode. Retailers should be securing their own machines. And machine resellers should be helping them do it.
Trustwave, which helps protect retailers from hackers, said that keeping credit card machines safe is low on a store's list of priorities.
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'Companies spend more money choosing the color of the point-of-sale than securing it,' Henderson said.
This problem reinforces the conclusion made in a recent Verizon cybersecurity report: that retailers get hacked because they're lazy.
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The default password thing is a serious issue. Retail computer networks get exposed to computer viruses all the time. Consider one case Henderson investigated recently. A nasty keystroke-logging spy software ended up on the computer a store uses to process credit card transactions. It turns out employees had rigged it to play a pirated version of Guitar Hero, and accidentally downloaded the malware.
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'It shows you the level of access that a lot of people have to the point-of-sale environment,' he said. 'Frankly, it's not as locked down as it should be.'