One might think a Visa Gift Card could pay for a restaurant meal without any complication, but there is one little technicality involved with the process. According to Visa, restaurant order terminals deduct gratuity off the total balance of Visa Gift Cards. This means the card will be declined if the check balance is higher than the card's balance after the reduction.
Perhaps restaurants did this because clientele were putting tips on cards with no balance in an attempt to mess around with the debit card system. To get around this card limitation the card either has to have a high enough balance to include gratuity or the remainder of the check with gratuity can be paid with the rest of the gift card's balance plus cash or with another payment card.
The restaurant will not actually deduct the tip from the Visa Gift Card's balance until the client Visa receipt is signed according to Visa. If the restaurant is able to close the check at the terminal before reconciling the tips via the Visa payment system the card may still be able to be used to pay the check in full using the gift card. However, this would require shrinking or transferring the tip by enough to allow the balance of the card to pay the check amount.
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