I tried buying some MOs at WM for first time in several years tonight. I only did a single $195 MO using a $200 Metabank VGC, I had expected to need to make multiple $99 swipes based off past posts I read but it went through without issue with one swipe.
I'm going to try to increase MO amount to $799 next time and see if it will allow 4x $200 VGC swipes