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)
Jan 28, 2018, 10:22 am
#226
Join Date: Feb 2012
Posts: 4,477
It's ok to show DL (or passport) for the purpose of name matching. Do not disclose your real DOB or SSN to a retail store under any circumstances. Don't fall into the trap of thinking that you must complete your transaction at any cost (and there's definitely a cost of your confidential info ending up on the dark web).
Jan 28, 2018, 10:24 am
#227
Join Date: Jan 2017
Posts: 161
I cringe every time there is a promo. I was doing a single swipe BB load last year at a location I know is a no-go for money orders. Young guy walks up to the other cashier with a stack of staples "GIFT CARD"s in hand going "I WOULD LIKE TO BUY A $999.30 MONEY ORDER SPLIT 4 WAYS PLEASE!" The "GIFT CARD" side was facing the cashier and was so obvious that everyone in the vicinity could tell what it was even if they weren't trying to look. He of course was rejected but I didn't stick around to see if he argued. This is why we can't have nice things people.
Jan 28, 2018, 10:25 am
#228
Join Date: Jan 2017
Posts: 161
It's ok to show DL (or passport) for the purpose of name matching. Do not disclose your real DOB or SSN to a retail store under any circumstances. Don't fall into the trap of thinking that you must complete your transaction at any cost (and there's definitely a cost of your confidential info ending up on the dark web).
Jan 28, 2018, 11:16 am
#229
Join Date: Oct 2017
Programs: Lots
Posts: 320
That's patently ridiculous. There are a LOT of credit cards issued by banks where I can't just "go pay the bank directly". No Capital One, FNBO, American Express, Wells Fargo, etc., branches near me. What if I don't trust the post office to deliver the payment, or have had issues in the past with the payments getting there on time via the mail? There are plenty of absolutely valid reasons why I would come to WM to do a BP with a debit card (what if I used a small CU without online BP?) with no MS intended. Of course, the MSers might outnumber the small CU folks...
Jan 28, 2018, 11:33 am
#230
Join Date: May 2016
Posts: 506
It's ok to show DL (or passport) for the purpose of name matching. Do not disclose your real DOB or SSN to a retail store under any circumstances. Don't fall into the trap of thinking that you must complete your transaction at any cost (and there's definitely a cost of your confidential info ending up on the dark web).
Jan 28, 2018, 11:50 am
#231
Join Date: Mar 2009
Location: LAX
Posts: 3,267
I can say that honestly. My information has been stolen in 4-5 hacks, and there have been 5 attempts to open accounts in my name. All have failed because they have one key piece of information incorrect: my DOB.
Jan 28, 2018, 12:05 pm
#232
Join Date: Oct 2017
Programs: Lots
Posts: 320
Sure, but also be ready to thank them for their time and walk out if they deny you as per their own WM policies. I've seen too many people make a major stink and get managers involved because they didn't want to comply with a particular WM's policy. One got in a shouting match with a CSM because he was asked to sign the MO after receiving them, demanding to see where the policy is in their policy guidelines book. Don't burn down WMs because you feel policies shouldn't apply to you.
Jan 28, 2018, 12:11 pm
#233
Join Date: Dec 2010
Posts: 1,516
That's patently ridiculous. There are a LOT of credit cards issued by banks where I can't just "go pay the bank directly". No Capital One, FNBO, American Express, Wells Fargo, etc., branches near me. What if I don't trust the post office to deliver the payment, or have had issues in the past with the payments getting there on time via the mail? There are plenty of absolutely valid reasons why I would come to WM to do a BP with a debit card (what if I used a small CU without online BP?) with no MS intended. Of course, the MSers might outnumber the small CU folks...
Jan 28, 2018, 1:32 pm
#234
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,675
Things are getting stricter and stricter at WMT. Last time my favorite cashier told me she cannot do any transactions with me, because otherwise she must report it. I went to her colleague. Few days later, I came again and got this guy again. We did a BP, but a the end he told me that WMT is very nervous about financial transactions and cashiers are now should report any unusual activities. Milti-swipe procedure is one of them. From his monologue, I got an idea that MO is ok (like 1 swipe), BP is not really, but 1 BP per week is probably acceptable. His wordings were like, if you have credit card from the bank, you don't need WM to pay the credit card, you should pay the bank directly. I guess it is a matter of time now, that all our activities will be classified as illegal and no more BP or MO.
My understanding that now WM cashiers went through some kind of training about suspicious behavior. This guy showed me a window on his terminal when doing financial transactions. One of the choices was "customer wants to split large transaction for sending money, money order or bill payment ". I guess the problem lies in the split swipes. May be management imposes huge stress on cashiers about it, so that's why they prefer not to deal with us anymore.
I'm not disagreeing with the people I quoted, I'm just sharing my experience with my Walmart. I know many people don't have access to such a friendly Walmart and have to be careful.
Jan 28, 2018, 1:37 pm
#235
Join Date: Apr 2015
Location: Hopkinton, MA
Posts: 232
My understanding that now WM cashiers went through some kind of training about suspicious behavior. This guy showed me a window on his terminal when doing financial transactions. One of the choices was "customer wants to split large transaction for sending money, money order or bill payment ". I guess the problem lies in the split swipes. May be management imposes huge stress on cashiers about it, so that's why they prefer not to deal with us anymore.
I've also found that avoiding the $499.30 MO reduces hassles by massive amounts. Get a $450 MO and just spend the rest on stuff and nobody even blinks. The guy 2 registers over tries $xxx.30 and all the cashiers now look in his direction.
Jan 28, 2018, 5:52 pm
#237
Join Date: Apr 2008
Posts: 615
That sounds consistent with what I've observed for a while. Try to split $1000 and coincidentally the money order machine isn't working. Do $490 and there's no problem.
I've also found that avoiding the $499.30 MO reduces hassles by massive amounts. Get a $450 MO and just spend the rest on stuff and nobody even blinks. The guy 2 registers over tries $xxx.30 and all the cashiers now look in his direction.
I've also found that avoiding the $499.30 MO reduces hassles by massive amounts. Get a $450 MO and just spend the rest on stuff and nobody even blinks. The guy 2 registers over tries $xxx.30 and all the cashiers now look in his direction.
Jan 28, 2018, 6:54 pm
#238
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,675
Jan 29, 2018, 5:02 am
#239
Join Date: Dec 2010
Posts: 1,516
That sounds consistent with what I've observed for a while. Try to split $1000 and coincidentally the money order machine isn't working. Do $490 and there's no problem.
I've also found that avoiding the $499.30 MO reduces hassles by massive amounts. Get a $450 MO and just spend the rest on stuff and nobody even blinks. The guy 2 registers over tries $xxx.30 and all the cashiers now look in his direction.
I've also found that avoiding the $499.30 MO reduces hassles by massive amounts. Get a $450 MO and just spend the rest on stuff and nobody even blinks. The guy 2 registers over tries $xxx.30 and all the cashiers now look in his direction.
Jan 29, 2018, 4:40 pm
#240
Join Date: Apr 2009
Location: SoCal (ONT), PVD/BOS, JAX, RSW
Programs: AA/US PlatPro & 1.05MM, DL Plat (challenge), UA dirt
Posts: 3,189
Today I got to experience the new system...and it takes a very long time for the MO to print. But as normal, the CSR had to input the serial number, and was able to do split transactions.
Also, apparently someone thought it was wise to liquidate $10k worth while the District Manager was touring the store. Needless to say, that store is now torched.
Also, apparently someone thought it was wise to liquidate $10k worth while the District Manager was touring the store. Needless to say, that store is now torched.