I am so flabbergasted at the fact that Virgin Mobile Canada and CIBC have not got their heads straightened with regarding to topping up a pre-paid phone online.

My Visa Debit is not working on a nice dating site, I had to order a VIA BUY MasterCard, When it arrives I will try to use it and see if my card is the problem or the website itself, Thank you and keep me posted on any useful information

This was 4 years ago that people were having this complaint about CIBC visa debit cards, and they're still not working TODAY?!? WTF!!!

Shame on you CIBC. I love your banking usually, but this is utterly unacceptable.

FIGURE IT OUT

NO EXCUSE.

Hi, I am planning a trip and would like to use the bmo prepaid MC to book online. I will most lolly use a site like expedia or sell off vacations. Has any body successfully used this card to book online for a vacation?

i have noticed that greyhound doesn't accept this card. even though it's a valid way of paying for tickets. i would like them to change that.

I have used my cibc visa debit in Seattle at a four star hotel yet the super 8 which is maybe 1.5 stars in Calgary Alberta doesn't accept it. Leaving my fiancé and I stranded for a place to stay while vacationing to attend a wedding. Very pissed that it fails at such an average location. More pissed that the super 8 pretty much just says "awww too bad" even with an offer of $1000 deposit cash for our room.

I was required to use a Visa with a new Shaw student promotion (bad marketing strategy on their part). I told them "I have a Visa Debit" and they said it would work. We'll have to see, I guess. I also realized I overpaid them before and wanted the money back. They said* they could I could go in-store and get the money returned. I went there any they said the only way they could do it would be through Visa. I said again I had a Visa debit and they said it should work. They said it would take 24-48 hours and it's been 24. So we'll see.

* First they said they could only do it through a cheque that they will mail in 5-8 weeks. Then they said I could go to the retail place. Then a guy at retail said he could only do cheque. Then I wen to another retail place where they said they could only do up to $20 (what?). Then he conceded he could do reverse it to the Visa.

I just booked a ticket with Allegiant Airlines and it worked for me. I couldn't take advantage of the Visa Debit card discount, but it worked as a Visa Credit Card during the checkout process no problems.

visa debit wont work on cineplex.ca---- and "interact online" wont accept the visa capable cards. and i dislike paypal.

Hello everybody,
I represent Pool Supplies Canada and am looking to have PayPal start accepting Visa Debit
I have gone through the whole talking to them and they have an email address we can send our requests to to get this feature integrated into there system.
Please email them a request to [email protected] or [email protected]
Thank you for helping us make Canada a better place for Online sales in your assistance.

Agreed with most. My TD Visa debit has been rejected far more times then it's been accepted. TD customer service informed me today (March 25 2013) this card can only be used for US purchases online and that Canadian merchants will not accept it. So, what exactly is the point of this? What terrible waste of a product launch.

So here is what I have learned from the banks after many complaints.

In Canada VISA transactions are processed for the majority of venodors through the Interac Network. The CIBC TD Visa debit card's do not use the Interac network for VISA Debits, they use the VISA network. But for debit purchased they use the interac network. And since the numbers are registered with the Interac network. Any time you use the card in Canada or a Canadian site. It will try the interac network, and it will reject as a VISA card.

If the Canadian vendor uses the VISA network it will work fine. For transactions in the US, it will process as a VISA Debit since the US does not have the interac network, and will work fine.

What I find odd is I have a ROGERS Internet Stick. And my CIBC VIsa Debit card works fine for it to take my montly charges. It works fine on my wifes Rogers Cell phone. On my spare prepaid cell phone it will not work.

For SHAW it works fine for payment on my Hardware I have a payment plan on it works fine.

But for Shaw I can not use it to pay bills.

So again it seams to be how the Vendor handles the card is it a VISA processed through the VISA network or through the Interac network.

cannot make any online purchases what so ever.

On Black Friday I used my CIBC Debit VISA to purchase 2 iPads and it went off without a hitch. I have also purchased other stuff from the online Apple store without issue.

My banker suggested the CIBC Advantage card because I travel internationally. It works in the ATM, but I have not yet managed a successful POS transaction (not online, in real life, and I do specify it's debit). It keeps telling me my PIN is invalid, and I KNOW I entered it correctly. I went back to the bank after the first week and they exchanged the card, saying it might be a manufacturing defect. Looking through the comments here, I can't believe that in two years they haven't managed to resolve the issues with this card. Who has the time to mess around with crappy products like this? I still have my old debit card - planning to take it back to the bank and see if I can reactivate it instead. I had far less trouble using it in cash machines internationally than I'm having using the new one in Canada. Painful!

Sony PSN, Nintendo 3DS eShop, Google Wallet: Not Accepted.
Steam: does work with TD Debit Visa, possibly others.

Doesn't for for Rogers Wireless, even to top up my phone!

My card wont work for the Google play store. It says "this card has been declined" a few weeks ago it said something along the lines of "we cannot accept this card". Very frustrated.

Just spent a frustrating, aggravating, time-consuming/wasting and costly week and a half trying to get Allegiant Airlines to accept our new TDCanadaTrust Visa Debit card. Spoke to Allegiant twice, at-length, on a long distance call that I was paying for and talked to TDCanadaTrust's EasyWeb line three times, also at-length, but it was anything but 'Easy (two 'bum steers' there)! Finally, went to my local branch and was fortunate to get a senior branch person. After his speaking to three different 'Help' lines, it was finally established that the TDCanadaTrust Visa Debit card launch was premature - although all the sales literature from both TDCanadaTrust and Visa says that this card will be accepted for international online purchases "anywhere Visa is accepted", it isn't true. Not by a long shot!!! Apparently, you can get the many U.S. websites that won't currently accept it to process it by selecting 'Visa Credit' instead of 'Visa Debit' as the payment option. Of course, if you were getting a discount for paying by Visa Debit, well you can now kiss that goodbye! You might be able to convince the online retailer to give it to you if you call them, since the payment is ultimately processed as a debit from your account, but there is no guarantee (e.g., Allegiant 'doesn't do refunds'). As a result of all of this, Allegiant just lost a slight competitive advantage with us.
Just so you know, this was about more than a $16 US discount for paying with debit (Allegiant only tells you at the very end of their booking process that they only accept 'Visa Debit' and 'Mastercard Debit' cards (and, as we now know, only a spotty selection of those) and not just any, old bank debit card. As a result of that initial, poor communication, we lost some good tickets (had no idea why our payment was being rejected and, in thrashing about, someone else scooped up the last tickets), costing us a further $36 US!
You would have thought that they would have at least done a simple, web search (which is how I found this website) when they were considering launching the Visa Debit card and learned something from the negative experience of the CIBC Advantage card TWO YEARS ago. TDCanadaTrust made some obligatory commitments to us as to how seriously they were taking this problem and are hoping to have it solved within a couple of months (just before the busy Christmas shopping season - now that might actually provide some motivation). I stressed to them how they need to fix their online literature NOW so that no more customers have to go through what we just did. If the sixth person 'we' spoke to at TDCanadaTrust was "well aware of this problem", why weren't all those other 'Customer Service' reps?!
It is finally becoming clear to me that this is a matter of the various payments processors, in the U.S. anyways, not being ready for these Canadian Debit cards. In an effort to figure this out (since no one else was being of much help), I had contacted Visa Canada and they basically 'blew me off' with a bunch of legaleze, mumbo-jumbo and not a single answer to my questions. That these payments processors need to make some changes in order to accept the cards that Visa/TDCanadaTrust were promising would be accepted "everywhere" certainly should not have been a surprise to anyone in the business.

The CIBC Advantage Visa debit locked me out on vacation in a far flung spot..leaving me near stavation more than 2 weeks while I waited for a replacement card....

RBC Virtual Visa Debit SUCKS! Perhaps they will get the 'kinks' worked out eventually, but if you have a dispute with them, may God help you - sadly, none of the RBC representatives will be able to do anything about it

Went back to my TD Branch and asked for an old Interac card. They had a small pile leftover. Could have burned by TD Visa Debit in effigy for all the headaches and problems and lost time it has caused me. Worst launch of a new banking product I can recall... with use my Interac card for debit and my Visa for credit card purchases, VISA Debit is an epic fail.

Doesn't work online. Even if it's on their approved merchant list. Air canada, amazon, us sites. I can't link my paypal to it. It's useless for any online payments.

I have the TD Visa Debit card and we are now 2012 lol, well so far no luck for me ordering online, Future Shop, Walmart Canada, Staples don't accept this card. Well at least I can get Toy R Us but I still have to go through paypal to make the order.

I have the td visa debit. My old debit card had a problem when i was depositing money in branch so they offered me a new visa debit card.

I have had countless problems with terminals reading the chip as a visa first. I process the trxn and then it says not accepted, use restricted by branch, declined. The retailer then swipes it and i go through the process again and it says restricted , chip card, then i go through one or two more times and it finally accepts the chip as a debit card.

Its almost like visa and interac are fighting over taking my card inside every merchant terminal.

I read up and am sure to tell the merchant that it is a debit transaction before handing them the card to minimize problems but most of the machines autodetect which i beleive is the source of the problem -- its both!

I havent had a problem with a hard decline, usually it eventually works but friggin annoying to have to process the same transaction 3-4 times before the machine gets it right. This is all over the place, mcdonalds, safeway, little shops, boston pizza. I have not ever used the visa features of the card this is all in-person at the merchant terminal.

Expedia.ca
Air Transat
Air Canada
KLM
Air France
British Airways
... are all refusing my VISA debit card !
2 days ago i found a roundtrip montreal-paris for 920 CAD ... couldn't book !
today it was 1030 CAD (same flight), coudn't book !
Now i have to ask my family to book for me, how much will it cost ?

Impossible to book my flight tickets and if I don't have it shortly I will pay the double I aaaaaaaaaaaaaaaaaam so angry !!!!

I have been able to use mine online for instant payments through Paypal, book hotel rooms, Old Navy.. etc. But I have not had success with some other sites like when I tried to renew my Norton Antivirus or buy a Groupon.

My Girlfriend received a Virtual Visa Debit card from RBC a few days ago, interesting, no chip, no magnetic strip, looks more like a library card. Anyway ... I was wondering if anyone has had one of these for a while, is it really "accepted everywhere visa is" or is this card subject to all the same problems with merchants who haven't opted in?

And why the f**k should the merchants have to opt-in, that's stupid, if they accept visa, it should just work!

Funny thing is, I have major issues with purchases within Canada, but when I went to Cuba (others could not use their CC or Debit cards there (TD CanadaTrust & First Calgary Financial))My CIBC Visa worked like a charm!

Have tried it one Apple, Homedepot, Best Buy, HP, Lenovo.. Everywhere! It doesnt work it comes out rejected ..

It has worked ONCE though - Orbitz.com God bless I could book a plane ticket

Not impressed, CIBC/Visa. Not impressed

CIBC debit-visa card does not work at Costco gas pumps; specifically at Merivale location. It works fine in store however.
I have asked store manager why, but to date have no satisfactory reply.

Attempted to make a purchase on allposters.com and received an email shortly after stating that my back had declined to authorize the payment. This is an american website so I didn't think that I would run into similar issues that people are having on Canadian sites.

My CIBC visa debit works better in the US than what it does in Canada. It works perfectly online when I buy from UK and US websites, but is often declined through Canadian websites.
Also Canadian retailers get confused when I present the card. They completely ignore the debit sign and put it through as a Visa credit card.

Here's the link to today's press release: http://www.newswire.ca/en/story/970667/visa-debit-takes-flight-with-air-canada

EVEN GOVERNMENT OF CANADA DOES NOT ACCEPT THIS CARD>>>TRIED TO PURCHASE FISHING LINCENCE ONLINE>>>DECLINED AS WELL

My husband was told he had to have this card collective debit/visa, rather then the two seperate cards. This was last november 2011. He went to the bank yesterday because he misplaced it and needed a new one. The bank replaced it and when he inquired as to the account balance they advised him and also told him of recent transactions( there should have been none). To horror and shock, Visa had fraudulently taken money without his authorization over $300.00. The payment for this month is not yet due. BE WARNED PEOPLE THEY WILL JUST GO IN AND TAKE YOUR MONEY.

My CIBC Visa debit works part time with Godaddy. It drives me insane because nobody has any answers. Godaddy says it is CIBC and CIBC says it is Godaddy. Neither actually know why it happens. I just go to Netfirms(officially accepts the card) for when it doesnt work. Then a couple of days go by and it will work at Godaddy again. Weird. I wish they would just fix it.

It appears that the card- cibc debit does not work on the Bay's website. says it's not a valid credit/debit card. Anyone try the Bay yet? Online, not instore I'd be interested in others comments on this situation.

NOT accepted online. I've talked to them a few times on the phone about it. Weird thing is that they will accept those damn prepaid credit cards. haha I JUST want to pay my bills. Yeeeeeesh!

not working with psn i have tried adding it on both psp and ps3 and nothing i have though sucsesfully added it on itunes and steam havent tried anything else yet

I buy a lot of books through Kobo for my ereader. They don't recognize the debit Visa card. I sent them an email trying to explain that is 'should' work....they replied they don't accept pre-paid cards....I was like 'this isn't a prepaid card....it's a DEBIT card that should be recognized as a VISA card as well'......they had no clue what I was talking about.

KOBO is the only place I've run into this problem....can use it fine with other places I've tried (ie: netflix, Xbox, PSnetwork)

I have tried for the past month to buy the BTK Twins app from the Android market for the past month or so with no luck. It will not let me purchase any apps at all with my Visa debit card. It is one I got at the bank, bt it is still a Visa. It keeps telling me my instrument is invalid when it is not. I have used it at multiple stores and Amazon.com. So there is nothing wrong with my card.

Best Buy and HP also do not accept the CIBC visa debit card. It seemed like a good idea, but if merchants can refuse to honor this legitimate form of payment, what's the point?

BTW, I have had a U.S. bank Mastercard debit card for 12 years, and used it everywhere from hotels to online retailers, and never once had it refused.

If you live in Canada and want to buy from amazon.ca and pay through Paypal, go to localamazon.webs.com and place your order through us. No need to worry because we have amazon's A-Z guarantee to protect us from the sellers and you have Paypal to protect you.

I wish I wouldn't have cancelled my CC's now. UPS doesn't accept CIBC Visa Debit card. They won't take cash either. The packages had to be sent back to the retailer. Well, the commercial sold me at the time. Online, iHerb won't accept it among many others. This really limits my online shopping.

Doesn't work on PS network, doesnt work on B.C. government website. Can't call up and order pizza and put it on the card. Doesn't work on Google Wallet (Android Market). Overall Quite Useless.

Just made a successful purchase with Greyhound's online booking service.

Bell Mobility still doesn't work

Having problems with the card being accepted by Google Wallet.

weight watchers online wont accept it either.
and I work for CIBC .. I didnt know that lots of places wouldnt accept it.. talk about being kept in the dark and sh** on ..
I apologize for myself and will know to not brag about being the first to have this stupid card in canada if it doesnt work in most places

This Card is awesome!!! I use mine for Netflix just fine
Also on the iTunes for purchasing apps and songs

Maybe this has just been updating. But thanks Cibc Thos card is
Fantastic! Great job on being the first bank to
Step up :)

worked for Netflix, won't won't for trying to book a ticket online at Porter Airlines

Doesn't work.

after trying 10 times, i can't get my card to work on sephora.com, even though i made sure i was using their canadian checkout, had enough balance on my hard and triple checked the info was correct! sephora tells me that theres something wrong with my card but after calling cibc, they told me that there was something wrong with the merchant (sephora) and that they may not accept my card. correct me if i'm wrong but i thought the whole point of this visa debit was that it was accepted ANYWHERE a VISA is accepted. sephora accepts visa but my card isn't going through

I have used the cibc visa debit card for a while. I have not had any problems using it. Either online or over the phone. How long has it taken merchants to accept the chip card? There are still merchants out there that cannot process chip cards. It is the merchants that need to keep up with the technology. The online purcahses seem to work with this card because they are up to date with the technology. We should have had this card a long time ago as the U.S. has been using it for a really long time. I am sure that there will be more banks that will have the same card in the near future. There will always be problems when a new product comes out on the market. Everyone just needs to be patient, as everything is new for everyone.

Opened up an account with you to use your Visa debit for purchases online with Expedia,Groupon and Cineplex ...so far ALL of these companies have declined my CIBC Visa debit card!!

OMG...got this card specifically for groupon internet purchases..and ebay. Told by CIBC it would wourk same as a credit card...TOTALLY WRONG!!!

Here's the today's Westjet announcement: http://www.newswire.ca/en/story/902811/visa-debit-takes-off-at-westjet

CIBC SUCKSDONKEY COCK

apparently I can not make payments to purchase movie tickets online as it declines my debit visa.

No Mobilicity either.

That's good.

I tried for so long on abercrombie.com to use my prepaid mastercard, but it always declined. I continually kept checking my balance on the card at vanillamastercard.com. It always said I had the same balance. However, I finally noticed there was a 'register' section next to the other sections like 'FAQS'. I clicked on the 'register' section and it said I had to put in my postal code, and once I did it, it said I was now able to use my prepaid mastercard for online, mail, and other purchases. So I tried using it again on abercrombie.com, AND IT WORKED!!!

Keep trying to buy a game for my Sony Ericsson Xperia PLAY, but everytime google declines it!

I don't have a visa or mastercard due to bankruptcy when married to my husband. I'm just newly seperated and am going aboard an Air Canada trip to Ontario. If I were to purchase one of these are they accepted on board for buying food or drinks.?

So retailers in Canada are waaaaayyyyyy behind the 8 ball here. I'm super pissed about signing up for VISA Debit here in Vancouver only to find out most online retailers won't accept it. Ridiculous! I have accounts in the US, Australia, New Zealand and the UK and all have VISA Debit cards and all are accepted either online or in store. So when will the merchants get on board with this like the rest of the world? Anyway now I am hooked into CIBC for three months at least paying for an account which I didn't need with a VISA Debit card which I can't seem to purchase things online with. Stoooooooopped. (CIBC need to make prospective customer aware of this before allowing them to sign up) BMO Prepaid Mastercard seems like a much more favourable option till VISA Debits manages to get itself into more retailers/online merchants. Big Burn. Very Gutted. I'm an trying to at all costs avoid an instrument of debt (credit card) and would prefer to use my own money anyway, but this slight snag is not making it easy. I just wanted a concert ticket man. And it can't be done. Oh well, do not go to happy land, bend over and get rogered by paying twice as much on the door. BOOOOOO merchants (and the banking system in Canada) get your acts together and make it all cohesive!! By the way Canadians, your banks are ripping you off, as are your phone companies. Makes me laugh just how much you guys take it. Just sayin' as and outsiders perspective!

So retailers in Canada are waaaaayyyyyy behind the 8 ball here. I'm super pissed about signing up for VISA Debit here in Vancouver only to find out most online retailers won't accept it. Ridiculous! I have accounts in the US, Australia, New Zealand and the UK and all have VISA Debit cards and all are accepted either online or in store. So when will the merchants get on board with this like the rest of the world? Anyway now I am hooked into CIBC for three months at least paying for an account which I didn't need with a VISA Debit card which I can't seem to purchase things online with. Stoooooooopped. (CIBC need to make prospective customer aware of this before allowing them to sign up) BMO Prepaid Mastercard seems like a much more favourable option till VISA Debits manages to get itself into more retailers/online merchants. Big Burn. Very Gutted. I'm an trying to at all costs avoid an instrument of debt (credit card) and would prefer to use my own money anyway, but this slight snag is not making it easy. I just wanted a concert ticket man. And it can't be done. Oh well, do not go to happy land, bend over and get rogered by paying twice as much on the door. BOOOOOO merchants (and the banking system in Canada) get your acts together and make it all cohesive!! By the way Canadians, your banks are ripping you off, as are your phone companies. Makes me laugh just how much you guys take it. Just sayin' as and outsiders perspective!

HMV announced today that they accept this card online now. Here's the link to their announcement:

http://www.istockanalyst.com/business/news/5512124/hmv-hits-a-high-note-with-visa-paywave-in-store-and-visa-debit-online

I tried it on etsy and wolltrends and no go. Also on a japanese bento supply site (JBOX.com). Going to try it on amazon this weekend. Really though I am quite happy with it. I don't qualify for a credit card and it's better than what I had so I'm really not complaining. It's expanding what I can do, even if just a little so good!

Im going away to Montreal in a couple days and i booked the hotel with it online and it worked. Now I'm not sure if this still would work at the hotel to use as the deposit on a room. Does anyone know ?

I've had the Advantage card for over a year now and have had some success with certain retailers. As many have already said, Amazon.ca will accept this now, as will PayPal. I've used it at Old Navy successfully as well. In October 2010, I was able to pay for my pet's flights through Air Canada, though I'm not certain if it still works there.

I cannot use it at Canadian travel sites (Hotels.ca, Expedia, etc.) however the card works through their American counterparts. Perhaps along with the action taken against CIBC, people should be writing to Canadian retailers advising them that they are losing business to the American side of their business and other competitors (e.g. I cannot shop at Chapters, and so shop at Amazon) as they do not take this card.

No luck with Future Shop and I assume Best Buy. Has anyone tried to shop at Costco online using the card? I have an order processing at the moment, but no word on whether the card is accepted there or not.

CIBC Advantage Visa/Debit does not work on line or over the phone with Expedia.ca for booking trips. I'm transferring the funds to my BMO Pre-Paid Travel Mastercard and will let you know if it works ...

the card doesn't work at googlefor android market place .... and whats fun ... android market doesn't take paypal .. lol

I'm not sure why so many people take the time to bash the card without first googling or trying to get a grasp of its limits and how far it reaches in terms of its visa-like capabilities

1, it will not work in its 'visa' role when; making an in-person-card-in-hand transaction in Canada...., purchasing items online or over the phone with Canadian merchants who have not opted in with the new visa debit initiative ( a comprehensive list of merchants who've opted in is conveniently available at visa.ca )

2, where will it work?

EVERYWHERE ELSE....websites, companies, all points of transactions outside of Canada will process the card as Visa....

From my own experience the card was indispensable while I drove through the u.s...everywhere from parking lot attendants, to dingy gas stations, to hospitals to card enabled vending machines...not one hiccup nor a transaction that didn't work as advertised....

You can blame a lot of its Canadian-confined crutches to the Interac lobby....

I for one am thankful for the added perks provided from a canadian bank to a debit card that didnt need to provide us with it at all in the first place...cibc is the only bank that fought for this, and this card is the only reason I left my 15yr relationship with RBC

No I don't work for CIBC....

or Visa for that matter...

Just rec'd this card last week of Sep 2011. Used it
successfully to make an online purchase on my iPod
App store. When they ask for a credit card, click
Visa. I don't qualify for a credit card, so I am happy
with it so far.

I tried to purchase some tickets to a show in Las Vegas through Ticketmaster. Was a no go, said to try another card, so i'm transferring funds to my BMO card instead and will post an update here if that works.

I tried to purchase some tickets to a show in Las Vegas through Ticketmaster. Was a no go, said to try another card, so i'm transferring funds to my BMO card instead and will post an update here if that works.

For those who had a traditional visa credit card that was "enhanced" with the chip - is this not breach of contract??

- Contract claims a valid, active card will be accepted anywhere visa credit is accepted. IT'S NOT. Some glitch on visa's part makes chip card numbers unrecognizable worldwide as a credit card, reducing it to a only a debit card, thereby changing the service visa provides and revoking its previous function as a credit card.

- Contract says they can close your account, but have to provide notification. Has anyone unable to use this card received notice that their credit usage was now limited to onsite, strip-based usage? Didn't think so.

By the by - having a margin of credit that one doesn't use lowers your credit score. I don't even have true-as-described access to my credit anymore. Am I wrong here?

I relocated from Canada to the USA years ago (but visit a lot and still need to pay for stuff there!). USA debit is horrible so I use my old CIBC Visa Classic from the USA as much as in Canada. Because my income is based out of Canada for now, I can't qualify for a new Canadian card to link to my still active CIBC account with anyone else either - so truly stuck with these idiots. Thanks to them migrating to the chip before perfecting it:

- Cannot use the magnetic strip ANYWHERE in Canada if the place now uses the chip (the paperwork they sent never said I wouldn't still have a choice, either, so I failed to memorize a PIN I thought I'd never opt to use upon my first trip with this stupid thing).

- Cannot make an online purchase at any USA online store mentioned here and many, many others, even after CIBC VISA's OWN VERIFICATION PROCESS!!!!! (So thanks for making me type up a bunch of info your security tips discourage from revealing online only to $crew me over anyway).

- Cannot rely on this card AT ALL when traveling. Awesome - I've always wanted to give a company 15+ years of admirable membership and timely payments only to wind up stranded without shelter in war-torn land. Visa - It's POSSIBLY anywhere you MIGHT need to be... if you're lucky.

Oh, and I don't know if that's part of this issue but thanks to the "wireless" credit card system, I keep being told to get up and go pay at the crowded-not-designed-for-patrons-to-pay-at-it-like-a-24hr-diner register at every fricking restaurant because "their signal does make it far enough". Wow. so... paying cash would be easier and much faster now? Can you say "counter-productive"?????

It works on Netflix now. My advantage card used to work on Netflix via paypal before, because paypal accepted it, however it works directly now.

try bmo pre paid mastercard

I tried using my CIBC Visa Debit card at the university of toronto bookstore (online). It did not work. The notification I received was "Visa Debit Not Allowed".

I just got my CIBC Advantage card today. Apparently is is fully activated and should be running. BUT THIS STUPID PIECE OF SHIT ISN'T WORKING ANYWHERE. I TRIED ABERCROMBIE, I TRIED HOLLISTER, I TRIED ALDO SHOES, I TRIED ALOT OF RETAILERS. The CIBC card doesn't work anywhere. And we're in September, i mean its been a while since this card has been launched, it still isn't useful. I am disappointed with CIBC. And if soon they don't resolve this, i am saying good bye to CIBC.

None of them work, this card is useless except as a regular debit card. Cant book flights with Air Canada or West Jet.... why bother trying?

CIBC has a list of vendors who do take the card, but do you see it published anywhere.... UMMMMM NO, of course not.

I recently travelled to Peru, Bolivia, Honduras, Costa Rica and the US, and I was able to use the card as credit card all over, bought airline tickets, bus tickets and much more. I can't use with Chat R and other companies here, the Canadian market is way behind!

althought the order gets accepted first, they sent me an email later that the order didn't go through.
Really annoying. Same with fido.

LIKE THE BANK ITSELF THIS CARD IS JUST WASTED TIME.....................

I tried using this card to pay my Bell Mobility Phone bill and it did not work. It also didn't work for Sephora! I am beginning to think this card doesn't work anywhere other than in stores!

I have recently attempted to make a couple of online purchases with this card from HP Canada. No luck so far. - Cheers, Richard

I tried purchasing money for an online game and it directed me to paypal to pay and it said my card could not be accepted. It works at other places like gamestop and walmart but it just doesn't work for paypal. I tried other sites that sell it but it doesn't work cause they all use paypal. Anybody else have this problem?

Up until today, I had attempted several times to purchase apps through the Google Market only have my card declined. Today, without really paying attention, I attempted to purchase an app and to my surprise....it went through! *shock*

I just got a CIBC advantage hoping to use it for Netflix, but no dice. It does however work fine for my Xbox live account. I haven't tried it on anything else yet

What a waste of time. Honestly!!! Total disappointment...guess they needed to have their clerks do SOMETHING to fill hours and so invented a supposedly convenient card to facilitate extra hours of paperwork... the only ADVANTAGE Cibc was that you kept me as a naiive customer for a few weeks longer. pfft. I'm outtie.

This card will not work period on Netflix. They only take "american "debit cards with visa. Tried to pay with papal. Must have a US address or a Real "credit card" . Netflix won't take on cdn debit cards anytime soon.

Don't even bother trying it. They don't specifically say cdn debit cards on their website.

Hollister doesn`t work :(

I specifically got it for online purchases for trave ie. plane tickets and after reading this that doesnt look like a go. Then today I tried to use it for the PSN and again no go. Im not understanding this at all. Very frustrating, it seems that this has been going on since day one and really no success. I guess thats why they dont advertise the card anymore too much headaches

I tried travelocity.ca & expedia.ca & both were declined using the CIBC visa/debit card. Both sites claimed " We could not obtain authorization for this credit/debit card." What a rip off.

As of May 5, 2011, the CIBC Advantage Debit Visa is not being accepted by Vonaga.ca either.

No luck paying for plane tickets, now I need to figure out how I'm gonna pay for my flight. I feel this is false advertising...doesn't do anything it promises. What a disappointment CIBC.

I was thinking of changing my BMO account to this one because of the Visa Debit option, but having read many of these responses I'm not so sure.

I'm not a Canadian citizen, but I have had a BMO account for over 5 years - and I use it in conjunction with a British Visa Debit card. I have never had any problems with using my British Visa Debit card for either online or pin-number transactions in stores (I use it monthly to pay Shaw Cable with no problems whatsoever and I use it virtually every day to buy petrol, groceries etc). It's my default card on all Amazon sites I use (US, UK, Germany, Canada and Japan). No problems whatsoever. It's the default card for Apple iTunes and Paypal. No problems. My Visa Debit card is treated like any Visa card - I either sign for the transaction or enter a pin number and it is debited from my UK account.

I can't for the life of me see why the CIBC card would be any different from this.

But the reason, and the only reason, I wanted to look into this card was because I need a Visa card that was issued in Canada linked to my Canadian address. I can't for example, use my UK Visa Debit card for the Canadian Apple store because my address is not linked to a Canadian one. Same with iTunes - I must use the UK store. Those problems would disappear if I had a Canadian Visa Debit card.

I have to say, it's been disappointing to read so many negative responses to the card - but at least it saves me a visit to CIBC!

Its not Cibcs fault, its the merchants who choose not to opt in. The reason why VISA hasnt had a huge foothold in the Canadian market is because the interac system is so cheap for merchants. Now with the VISA network being used because of this card they do not want to pay a higher fee (1.15%). Its Canadian merchants that are holding back this card not CIBC. Ive used this abroad and over the boarder without a problem.

Ok, I got the card.
Then I loaded funds into my account, went home,
opened up my MacBook and tried to sign up for a free trial of Netflix, DECLINED.

Hmm, then tried some websites like everybody,
Apple, Paypal, OFCOURSE NONE OF THEM WENT THROUGH.

Goodbye, CIBC.

I moved from the US to Canada, and started my Vonage service using my American Visa Debit card.
Now that I'm living in Canada, the US card is no longer active; and I want to switch to the CIBC Visa Debit card.
However, I cannot, as Vonage requires Visa Credit instead. I've not lived back in Canada long enough to
qualify for Visa credit, so I can't pay my phone bill anymore. Vonage says "get a Visa credit card"; I said
I guess I'll get another telephone provider. I'd rather CIBC got it's act together, thank you very much.

I have the CIBC advantage card, and I used it for my iPhone4 app store, and it was working fine, so long as I only upgraded my apps or stuck to the free apps. I started purchasing apps (making sure that there was money in the account) and although all of the initial non-free apps downloaded, as soon as the app store tried to bill my account, it started telling me there was something wrong with my account. It now keeps asking me to update my payment info, and won't let my download free apps or even upgrade the ones I already have. I am going to attempt to get a new advantage card and see if it will accept that new info. As someone who hates credit cards this is very frustrating.

The card works perfectly. Make sure that you have at least 1$ in the card before using it. If you do not have at least 1$ in the card , it will get rejected in every site you'll try to use it. So if you are trying to use it on PayPal as a Credit Card, make sure that you have at least 1$ in the card.

Thanks.

So I got this card for netflicks and iTunes and it doesnt work ( in Canada for either, lame) it does however work
For paypal so I can use it for netflick, as for iTunes.ca they only take actuall visa, and no pay pal so it's back to buying gift cards... So much time and money for nothing... If you don't have a visa I would advise you to get one asap.. So much easier... Most banks will give u a visa if you invest 500$ with there bank. This is only for Canadian residents. In the states you could probably front iTunes from your local drug dealer for payment. Lol.

i WAS GIVEN THIS CARD WITHOUT ASKING FOR IT. i WAS TOLD i COULD BOOK MY FLIGHTS WITH IT. I CANNOT, AND THE CARD DOESNT WORK FOR MANY OTHER WEBSITES OR OVER THE PHONE TO PURCHASE THIGS. CRAP!

I am pissed that I go this damn card and it never effin works!!! So I did some more reasearch and even went to CIBC website to say PPPFFTTTT to half the crap they say about this car, however on that same page they give a link: (which apparently while trying to post this for all of you has triggered this blogs SPAM filter, sorry) to now see that I got this card for NO REASON AT ALL because NONE of the retailers I deal with on a day to day basis are on here like seriously CIBC WTF!!!!
Anyways to find this 'list' go to visa Canada, then go to Personal card options, then select Visa Debit Cards and finally search the list of merchants

Those red label DVD rental kiosks in supermarkets and Telus/ Bell payphones, Netflix and audible .com cannot enter cvv number.The 3 digit code on the back of the card.

I just my advantage card on amazon.ca and it worked fine and haven't had trouble with my card so far.
Think they got most of the problems figured out now.

Paid my subscription with it.

After many failed attempts at online banking, a cow who decided to answer the phone for ticketweb.ca (a partner site for ticketmaster) explained to me that as the Advantage Card doesn't have a name on it there is no way to verify that the card is yours, and that is why they seem to be universally declined. Thanks, CIBC, for your brilliant innovation. What I really meant was thanks for wasting my time.

I ordered a product on EBAY via paypal, added my cibc debit visa as a visa card via paypal and it worked great. When I paid for the ebay item it was deducted immediately from my chequing account. So if your buying thru paypal. or another store in any other country other then Canada it should work good, its an issue in canada cause of the interac market thinking visa is going to take over, thats what the canada issues are i guess so canadian retailers have to accually OPT IN to accpeting the cibc visa debit.

Just got a call from them saying my card was refused.

F-CIBC

Add one more to the list.

Really not worth opening an account with Cibc for..

I havent been able to buy one thing yet online.
Doesnt work for the playstation network
Or Netflix
Or Ebay.
(Three of the main reasons why I got this card)

Cibc better get their shit together.

I was stoked about this because I've had one in Europe before which worked great.
So today I open up an account with CIBC primarily to get this card. I come home and was going to buy a game on the Playstation Network but it kept getting rejected, claiming the information entered is not valid.

Slightly annoying as I didn't want to sign up for a credit card and just prefer having it all come from my debit account.

Hope this gets fixed soon.

I recently emailed Gamestop.ca (EBGames.com's canadian site) about using prepaid credit cards and specifically mentioned the cibc visa debit card. I got a reply back saying that they do accept prepaid products. I haven't tested yet. If anyone needs something from there, perhaps they could post their results here?

I have a friend who is blind. I tried to purchase something from the CNIB web-store. My card was rejected. Screw you CIBC!

Somewhat discouraged first day I tried to purchase online book for KOBO. They also do not accept pay pal as of yet.
CIBC does not mention that only a few retailers are accepting this form of payment on line, but hopefully down the road, more merchants will like the idea, as the cash comes straight from our accounts.

Oh well, concept is good., I've heard from a couple of other people they have had trouble with online purchases as well.

I have talked to CIBC at great length about attempting to use my card which i got specifically to use for netflix canada, was told there should be no reason it doesn't work. Finally last call to CIBC the person admitted it was a known issue they have been working on for a month and they still have no clue why it's not working and most likely won't be working for the foreseeable future. What the hell, aren't these people supposed to be experts with this stuff. Or are they just muddling through like cavemen and when something works it was purely by accident????

I have to think they don't really give a crap about fixing this issue. I'm beyond frustrated. I have poor credit due to misspent youth, so i really don't have any immediate options. I even tried the paypal option on netflix and it doesn't work. I have never gone through so much trouble for something so simple. I would even pay double just to have netflix working, curse you CIBC for getting my hopes up about getting into the world of online shopping.

I agree it should be working anywhere were visa is accepted in Canada.

I dont understand why I can use my RBC Bank USA VISA DEBIT Canada anywhere in Canada but not CIBC
I dont understand why transaction through the VISA network have a fee or detuct off your amount of transaction fees iwth your debit card on your bank package.

Else where in the world the VISA debit they can use it everywhere, in Canada its very LIMITED>

There is a not too well advertised card that works exactly like a Debit Card. You can get it only from a Credit Union. It is called "Mastercard Global Payment Card". You must be a Credit Union member to get one. Here is information from a Credit Union web site:

"This is a unique product that's only available to Credit Union members. It provides a convenient way for you to pay for goods and services, and can be used wherever MasterCard is accepted. Unlike a credit card, funds are automatically taken from the member's deposit account or a pre-arranged line of credit. All the transactions will appear on your monthly statement. For more information, please visit your local xxxxxxx Credit Union."

If you do not apply for a line of credit then you might be able to get it without a credit check.

Visit your local Credit Union or Google "credit union global payment card". By the way I do not work for Mastercard or a Credit Union.

Good luck

Future Shop
Chapters/Indigo (but their competitor, Amazon,ca, does.)
Time/Life

Just tried it at Webpiggy (one of those Deal of the Day sites, like Groupon) and the card was refused. Fuck CIBC.

Bell Canada accepted it at first now it comes up with an error indicating problem obtaining authorization.

Bell Canada first accepted it now it says problem authorizing

Just an update on my visa debit refund, it went through this morning. I guess it takes a few days, but reversals do work for those wondering.

Does anyone know if you can receive refunds on the Advantage card? I bought something through Paypal on the card, then canceled and got a full refund. Though, Paypal refunded the charge "back to the card". Will the funds go back to my chequing account (where they came from), or into Paypal? It's been 2 days, and I haven't seen my money yet. Have the funds been lost in cyberspace?

Also, a note; I've had no problems using the card online or through Paypal. Most retailers do not distinguish between Visa and Visa Debit though.

I used mine to buy a ring for my girlfriend at a company called Stauer, they are an online jewelery company who apparently have an A+ from the Better Business Bureau. Anyways I had to change the ring size on my order so they gave me two authorization charges. They assured me one would drop. Well because it is an online debit card, the money for both authorization charges was taken out of my account. They may have reversed the authorization, but I did not receive the money back. Has anyone else had this problem? I have contacted them several times to no avail.

Dec. 31, 2010 Branch Transaction SERVICE CHARGE DISCOUNT $0.25
Dec. 31, 2010 Branch Transaction SERVICE CHARGE $3.90

As you can see, I was charged the customary monthly fee of $3.90 for CIBC's basic chequing account and then I got a HUGE discount of TWENTY-FIVE CENTS! Of course there is no explanation attached, so I can only assume CIBC is trying to make it up to me for their DIS-ADVANTAGE card. The CEO will have to take a small pay cut this year! 25 cents multiplied by x customers is a lot of money, don't you know?

GOD BLESS YOU CIBC for your generosity. A much better move would have been to credit the full $3.90, better yet give me double my money back.

Anyone else see a tiny, puny, pathetic credit on your account?

I was actually thinking of having a sarcastic "thank you" conversation with a CIBC agent but I figure that's a waste of my time. If anyone wants to do this, please post the results!

I wonder if I'll get 25 cents back next month, and the month after that, and the month following etc!

Typical Companies. I am guessing they weighed out the pros and cons of how many customers would jump ship over this, and the initial boost in profits succeeded the marketing and roll out costs of this product. They also weighed in how many customers couldn't be bothered to move back to their old bank and will just stay with them as well as the ones who will try to get a regular visa with them. Its all calculated so they act callous and oblivious to any issues but we're the ones who are truly not seeing what is going on. They've crunched the numbers and we played their game. You don't think that with the spike of sudden income they didn't invest that money? Hypothetical for ya. I'm Joe Blow num nuts with $2 in my pocket. Lend me a Million Dollars cause I gave you a good pitch, and with the right knowledge, a 2 week buffer, can I not go turn that million into two? Oh darn I lied to you? Sorry here's your million dollars back. Bye leave me alone and don't let the card hit you in the ass on your way out. Banks are in deep waters and are in serious debt with China and they have 1.5 Billion people. Thats 1500 Million people. Where do you think they are going to live when they are tired of living in cramp conditions? Foreclosures, updated banking policies the new that just hit Canada with higher down payments and less time to pay off, I don't mind diversity, I live with people from China right now, but do they date outside their race? Do they buy outside of their trade routes? Do they diversify within their companies? Slave Labor here we come!!

How is this an advantage? West jet purchases do not work either. I have only found one site that this card has worked with.

Every time I try to use this thing at a store that has a chip card reader for processing as a debit transaction, I get a PIN error and then a decline, I can walk from the cash register to a bank machine and withdraw funds with ease. This happens at every chip reader and it is embarassing and extrememly annoying.

Get with it CIBC!