Jan 1, 2018, 10:53 am
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
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.
---------------------------------------------------------------------------------
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
Buying Money Orders at Walmart (2018)
Nov 15, 2018, 4:44 pm
#1981
Join Date: Mar 2009
Posts: 2,293
Does Passport work for MO? Had a person today deny me due to my driver's license being "fuzzy." Yellow Vest came over and said that yes I need to get a new license. I even comapred it to another employee there and mine was less worn than hers. The person that denied for this reason always has an annoyed look on her face like she hates life. I'm guessing she would say the passport looks fuzzy as well but figured I'd ask. License is good enough for TSA but not her lol.
Nov 15, 2018, 4:59 pm
#1982
Join Date: Nov 2013
Posts: 572
Even one visit once a week would make me feel depressed.
Nov 15, 2018, 5:12 pm
#1983
Join Date: May 2015
Posts: 1,066
Thanks. I guess I'll just make sure to have it on me in case i get an over-zealous cashier and then whip it out if need be.
Nov 15, 2018, 6:09 pm
#1985
Join Date: Aug 2016
Posts: 4
Walmart negative :money order
I’m not sure whether new rules just come out . Cashier denied to do the transaction with split payments . She mentions that memo just come out that she doesnt suppose to take separate payments for money order or bill pay anymore .
Any thought?
Any thought?
Nov 15, 2018, 6:38 pm
#1986
Join Date: Feb 2016
Location: Northeastern United States
Posts: 597
Ran into the same thing today at one of the WMs in my area. Got the same "memo" line from the yellow vest. Drove 10 minutes down the road to a different WM and it was business as usual. Might just be the WMs where there is heavy MS going on that gets the memo. Who know?
Nov 15, 2018, 6:52 pm
#1987
Join Date: Nov 2018
Posts: 3
Had no problems with doing split. Each Simon card had 500 each and did 1500. One MO was 500 other one was 1000.
had a really cool cashier really helpfull.
Was told over 3k need pass port or another ID or SSN.
And its 10k a day max. seems like no one is really doing it much if at all at this location.
But I think I’m do more on my websites on back end With gift cards. And order cards for the compines in bulk. And leverage the spending on lending for amex and website sales lending. All ways looking for ways to leverage things.
Nov 16, 2018, 8:58 am
#1988
Join Date: Oct 2010
Location: DFW
Posts: 683
I just went to WM one around my area.
Had no problems with doing split. Each Simon card had 500 each and did 1500. One MO was 500 other one was 1000.
had a really cool cashier really helpfull.
Was told over 3k need pass port or another ID or SSN.
And its 10k a day max. seems like no one is really doing it much if at all at this location.
But I think I’m do more on my websites on back end With gift cards. And order cards for the compines in bulk. And leverage the spending on lending for amex and website sales lending. All ways looking for ways to leverage things.
Had no problems with doing split. Each Simon card had 500 each and did 1500. One MO was 500 other one was 1000.
had a really cool cashier really helpfull.
Was told over 3k need pass port or another ID or SSN.
And its 10k a day max. seems like no one is really doing it much if at all at this location.
But I think I’m do more on my websites on back end With gift cards. And order cards for the compines in bulk. And leverage the spending on lending for amex and website sales lending. All ways looking for ways to leverage things.
Nov 16, 2018, 9:06 am
#1989
Join Date: Oct 2010
Location: DFW
Posts: 683
MG now has an easy way to control totals. They can easily lower the limit to $2k per 24 hours if they want, so I think you are safe. I doubt they would go lower than $2k.
Nov 16, 2018, 9:28 am
#1990
Join Date: Oct 2010
Location: DFW
Posts: 683
If someone is asked for ID for one MO below $1k including fees, it is definitely manually done by the CSR and not automatically done by the terminal. There were several WM's in my area that did that before the new software was implemented, but they stopped asking for info for under $1k after the new limits were implemented. There are still some WM's (or more specifically some CSR's) around here that won't even sell you one $499 MO if you don't have a DC with your name on it. So it's always YMMV. Each WM, and each CSR can and will make up their own rules if they so desire.
Nov 16, 2018, 10:22 am
#1991
Join Date: Sep 2011
Posts: 891
If someone is asked for ID for one MO below $1k including fees, it is definitely manually done by the CSR and not automatically done by the terminal. There were several WM's in my area that did that before the new software was implemented, but they stopped asking for info for under $1k after the new limits were implemented. There are still some WM's (or more specifically some CSR's) around here that won't even sell you one $499 MO if you don't have a DC with your name on it. So it's always YMMV. Each WM, and each CSR can and will make up their own rules if they so desire.
Nov 16, 2018, 10:35 am
#1992
Join Date: Oct 2013
Posts: 483
How many heavy hitters do you think are buying 8K plus a bunch for 999 each day? I think there are at least 2500 across the US. I think they might lower the limit after a few months because that is the easy way to handle it. Most people get MO's for rent and 4K sounds like it would work. We buy 2K at a time so the new limits really don't affect us much.
Nov 16, 2018, 11:26 am
#1993
Suspended
Join Date: Nov 1999
Posts: 24,153
How many heavy hitters do you think are buying 8K plus a bunch for 999 each day? I think there are at least 2500 across the US. I think they might lower the limit after a few months because that is the easy way to handle it. Most people get MO's for rent and 4K sounds like it would work. We buy 2K at a time so the new limits really don't affect us much.
Nov 16, 2018, 12:31 pm
#1994
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
f you are only getting $2k once a month you probably will slip by, however if youre getting $2k even once a day x days a week, you probably wont slip by in the end, since MG will have a hard time figuring why you need $2k more then once a month. But I can be wrong, I just think/feel that MG will eventually shut down those folks whom they cant figure out why they are buying at a reg basis the exact same amount and exact same number of MOs
I'm just lucky that I've never seen any HTs when I visited stores. I won't be happy if I see any HT tying up the line. Most stores have low limit on daily loading. Several of them have started to check the cards regularly and will turn away anyone who has the Debit on the cards. The last WM I visited in low income area has huge lines everywhere and it is impossible to do anything.
Nov 16, 2018, 12:33 pm
#1995
Join Date: Mar 2018
Programs: United, Hyatt, AA, Southwest, Aeroplan
Posts: 43