Old Jan 1, 2018, 10:53 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: wyogold
This is the thread for 2018. The previous discussion can be found here.

The 2019 thread can be found here

New to MO: Read this entire Wiki (Click to open) and all posts for some tips before asking common questions. It is best to know what you are doing before you try.
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Tested Gebit cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. Visas issued by MetaBank work great.
3. MC issued by US bank work good, but you need to change payment type to debit before they enter the amount in the register. See below for details.
5. Gdot/sun work but take about an hour to activate.

NEW Limits as of 11/18 - 8K with ID every 24 hours. ID required for MO over 1K.
__________________________________________________ __________________________________________

Some tips for starting out:

All WM registers allow 4 debit swipes per transaction, but YMMV per store and cashier. Refer to cards as Debit cards.

Start slow and buy one MO with one Gebit to see how it works. Refer to cards as Debit, only this community calls them Gebits. Your store or cashier may have rules that other stores do not have, only allowing one swipe per trans or up to 4 swipes per trans. Read all the tips below and all the posts below before trying more advanced transactions. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card. Fee: 1K MO or less is usually 88 cents each, but ask or check the wall. Subtract the fee from the total or pay in cash. If a store says "no", thank them and try again another day with a different clerk.


Helpful details and tips for advanced transactions:

1. Cost:
1K MO fee is usually 88 cents each(Some states limit MO total to 750 or 950 and may have a different fee). Subtract fee from your total or pay in cash. Can buy two 1K MO in one transaction with 4 swipes for 88 cents x 2 in most states. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card.

2. Split payment transcations: You cannot successfully swipe more than 4 cards in a single transaction. If the cashier screws up and enters $50.00 instead of $500.00 (thus making it impossible for 4 swipes to complete the transaction), the transaction will need to be canceled. The funds should return to your cards right away but may take 24 hours, so note the time and person helping you. When a transaction is canceled during the trans, the money returns to the cards. If canceled after, the cash reg drawer opens and they pay you back in cash.

3. Split payment: The amount of each swipe needs to be entered by the cashier. Ask to "split the payment by $$$". The Gebit must have current balance of that amount or more otherwise slip with Error 51 will print out. Warning: (YMMV) It appears (my experience on 3 occasions during prepaid card load and buying MO in 2 different WMs) that after the debit card was charged no cash could be credited back to the card. Cashier should issue cash back. Keep the slip and contact manager if in doubt. Remember date, time and register if no slip.

4. Bad Printer: IF, by chance, you've swiped your GCs successfully, a receipt prints but the MO doesn't, make sure to ask to see the receipt and check near the bottom IF it says CHANGE/REFUND with a negative sign before the amount of GCs you swiped, that means the cashier must give you cash refund. Cashier may have to call for the cash dept manager to verify the refund. Some stores may outright give your cash refund immediately while there are others that will ask you to come back. Think twice before you buy MOs while on vacation or when you're in unknown to you territories for issues like this.

5. Kiosk: Very few Kate's can sell money orders anymore.>>>>Sometime 2016, a lot of WM supercenters have done away with Kate (kiosks that allows loading of prepaids/sell $500 MOs). As of today, MOST, if not ALL WMs, have replaced this with the regular slim ATM to check balance/withdraw money.

6. MCGC liquidation- The cashier should
not enter the amount first. Technically they just can't hit enter after entering the amount. Let the CSR know you need to swipe first and switch the payment type to debit, then swipe and hit "Cancel" or "Change Payment" to select "Debit" on the screen, enter the pin and have them enter the amount.

Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
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Buying Money Orders at Walmart (2018)

Old Nov 2, 2018, 6:39 am
  #1831  
 
Join Date: Aug 2009
Posts: 662
Originally Posted by knopfler
Just tried to get two MO for $999 and got error message. Politely inform customer they have reached their money order limit. Not good.
location ?
briang191 is offline  
Old Nov 2, 2018, 6:53 am
  #1832  
 
Join Date: Oct 2010
Location: DFW
Posts: 682
Originally Posted by briang191


location ?
DFW
knopfler is offline  
Old Nov 2, 2018, 6:55 am
  #1833  
 
Join Date: Oct 2010
Location: DFW
Posts: 682
Originally Posted by Travelz
I hear it is 8K every 24 hours, so that might be the issue. They are tracking us by our DL number.
i hope that is the case. I bought $8k yesterday, but all within the past 24 hours. Will find out this afternoon I guess.
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Old Nov 2, 2018, 7:03 am
  #1834  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Originally Posted by knopfler
Just tried to get two MO for $999 and got error message. Politely inform customer they have reached their money order limit. Not good.
did you privide you DL 4 times for.4*$2000 MOs? so walmart system knows you have reached the daiy 8K MO limit. assuming rolling 24 hours like CVS . rolling 24 hours is more horibble than simple a calendar day.
coolguy100 is offline  
Old Nov 2, 2018, 7:08 am
  #1835  
 
Join Date: Aug 2009
Posts: 662
I guess I'll make a trip to my local WM and purchase 2k in mo
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Old Nov 2, 2018, 7:22 am
  #1836  
 
Join Date: Oct 2010
Location: DFW
Posts: 682
Originally Posted by coolguy100
did you privide you DL 4 times for.4*$2000 MOs? so walmart system knows you have reached the daiy 8K MO limit. assuming rolling 24 hours like CVS . rolling 24 hours is more horibble than simple a calendar day.
Yes, three $2k stops in the morning and one $2k stop in the afternoon. Just checked my receipt and first $2k was 0820 central time, so we are now one minute past that. About to go try last WM for the morning.
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Old Nov 2, 2018, 7:23 am
  #1837  
 
Join Date: Oct 2013
Posts: 1,322
Originally Posted by Travelz
One CSR said it comes up for over $750, but not sure if she knows what she is talking about. .
CSR told me same thing, terminal prompts for ID at $750. She laboriously types in everything from my DL, also asked reason ( I told her payment).,
tuphat is offline  
Old Nov 2, 2018, 7:45 am
  #1838  
 
Join Date: Jul 2014
Posts: 3,688
Originally Posted by knopfler


Yes, three $2k stops in the morning and one $2k stop in the afternoon. Just checked my receipt and first $2k was 0820 central time, so we are now one minute past that. About to go try last WM for the morning.
If ID check is their means to control MO purchases, hopefully, it's like CVS's rolling 24 hrs policy on VGC. Please let us know result.
Mamibear is offline  
Old Nov 2, 2018, 8:36 am
  #1839  
 
Join Date: Oct 2014
Programs: All of them
Posts: 1,663
Originally Posted by knopfler


i hope that is the case. I bought $8k yesterday, but all within the past 24 hours. Will find out this afternoon I guess.
The CSRs at my go-to store are trying to convince the manager to just let me do 4 x 2k in one sitting since the new memo has no mention of 1-transaction rule. If that goes through, this policy change could be a huge help for me.
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Old Nov 2, 2018, 8:46 am
  #1840  
 
Join Date: Oct 2010
Location: DFW
Posts: 682
Originally Posted by Mamibear
If ID check is their means to control MO purchases, hopefully, it's like CVS's rolling 24 hrs policy on VGC. Please let us know result.
It was a success. So to summarize:

1. Purchased $2k of MO at 8:20am Thursday morning, followed by $6k more at three stops later Thursday. All four stops required DL info to be entered.
2. Stopped at WM at 7:45am Friday morning. DL info was entered, following by message to inform customer they had reached their MO limit. Left with no MO.
3. Stopped at another DFW area WM. Purchased $999 MO, no ID required.
4. Stopped at third WM, asked for $2k of MO. DL info was entered and transaction was successful for $2k of MO (4 swipes). This was approximately 8:30am, so 24 hours and 10 minutes after first purchase Thursday.

So looks like the 24 hour rolling $8k limit theory might be spot on.
knopfler is offline  
Old Nov 2, 2018, 10:06 am
  #1841  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Originally Posted by knopfler
It was a success. So to summarize:

1. Purchased $2k of MO at 8:20am Thursday morning, followed by $6k more at three stops later Thursday. All four stops required DL info to be entered.
2. Stopped at WM at 7:45am Friday morning. DL info was entered, following by message to inform customer they had reached their MO limit. Left with no MO.
3. Stopped at another DFW area WM. Purchased $999 MO, no ID required.
4. Stopped at third WM, asked for $2k of MO. DL info was entered and transaction was successful for $2k of MO (4 swipes). This was approximately 8:30am, so 24 hours and 10 minutes after first purchase Thursday.

So looks like the 24 hour rolling $8k limit theory might be spot on.
thanks for the detailed DP. so you are not concerned about personal info being typed into walmart system 4 times daily?
coolguy100 is offline  
Old Nov 2, 2018, 11:35 am
  #1842  
 
Join Date: Apr 2014
Posts: 8
Moneygram will shutdown users

Moneygram will start denying customers with their drivers license information they deem at high risk for money laundering by their drivers license tracking soon. Frequent 24 hour 8K money orders will trigger this denial. Moneygram is definitely going to address this abuse severely in the near future.

This high risk activity will come out easily in the big data analysis. Moneygram is completely aware of what is going on and implemented this check to stop this practice. The Walmart MO is going to be dead soon. All the people who keep doing 2k to 8k everyday will get locked out soon.

Normal customers do not do $2k a day in money orders every week. Ever year the Walmart MO method becomes more restrictive.

Last edited by businessworkflyer; Nov 2, 2018 at 11:43 am Reason: Adding info
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Old Nov 2, 2018, 12:05 pm
  #1843  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Originally Posted by businessworkflyer
Moneygram will start denying customers with their drivers license information they deem at high risk for money laundering by their drivers license tracking soon. Frequent 24 hour 8K money orders will trigger this denial. Moneygram is definitely going to address this abuse severely in the near future.

This high risk activity will come out easily in the big data analysis. Moneygram is completely aware of what is going on and implemented this check to stop this practice. The Walmart MO is going to be dead soon. All the people who keep doing 2k to 8k everyday will get locked out soon.

Normal customers do not do $2k a day in money orders every week. Ever year the Walmart MO method becomes more restrictive.
do you have inside news or it is your own analysis?
coolguy100 is offline  
Old Nov 2, 2018, 12:18 pm
  #1844  
 
Join Date: Apr 2014
Posts: 8
Insider Moneygram team

Insider information Moneygram team.

Last edited by businessworkflyer; Nov 2, 2018 at 12:26 pm Reason: Append
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Old Nov 2, 2018, 12:44 pm
  #1845  
 
Join Date: Oct 2010
Location: DFW
Posts: 682
Originally Posted by coolguy100
thanks for the detailed DP. so you are not concerned about personal info being typed into walmart system 4 times daily?
I would rather not give the info, but I have places to go in lie down seats! If they were asking for SSN I would probably just switch to $999 MO's. And I may do that anyway, or a mix of $2k and $999. If MG bans me, it will be unfortunate but I will be OK with it. The PRG amex card devaluation has already made it much more labor intensive.
knopfler is offline  

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