Originally Posted by 3ZeroT

That sounds more like their paper MSAR form (money services suspicious activity report). WM has largely replaced that with electronic SAR reporting but I don't believe their 70 action code has this capability since it isn't a money service, so a store may start filing the old paperwork once you've exceeded their comfort level. This doesn't go to the IRS but faxed to WM corporate and worst case put in a government SAR database, which really is not a big deal at your volume unless there are other (actually legitimate shady things) about your life that could get flagged for investigation. Technically you may not have completely burned the store if they let you continue in this mode - but you have to decide if it's worth the hassle. For me $499 isn't worth it but I would take the opportunity to ask if you can do more swipes/transactions in 1 trip (and thus make less trips) since they're filling out paperwork anyway on your activity.