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.
---------------------------------------------------------------------------------
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 5, 2018, 5:49 pm
#31
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Exp, but not sure for how long. Enterprise Platinum woo-hoo!
Posts: 4,550
Jan 6, 2018, 12:32 pm
#32
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,783
I don't really follow how they're rolling out the new system. My normal WMs haven't switched, but I went to one by my friends house on the opposite side of town yesterday and got my first of the "new system" MOs. The clerks were actually commenting how much they liked it since they don't have to key in the last 4 digits anymore.
Jan 6, 2018, 2:08 pm
#33
Join Date: Jul 2015
Location: DFW
Posts: 522
I'm thinking of getting into the WM MO business after the death of USPS MS. Does Walmart sell VGC that will work with WM MO? Metabank is the best option, right?
Jan 6, 2018, 6:21 pm
#36
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
One question would be, what category credit card would get you lots of points with Wally's VGCs other than meeting Min Spend? For that, I would go Simon any day. But yes, VGCs from Wally do work for MO.
I usually cash out VGCs from Groceries and Simon at Wally. But guess there are people wanting to meet minimum spend at Wally. Good thing my Middle of Nowhere Wallys are still with the old system and have NO other person trying to Manufacture Spend via MOs. I now practically know and am friends with all the CSRs working them.
I usually cash out VGCs from Groceries and Simon at Wally. But guess there are people wanting to meet minimum spend at Wally. Good thing my Middle of Nowhere Wallys are still with the old system and have NO other person trying to Manufacture Spend via MOs. I now practically know and am friends with all the CSRs working them.
Jan 7, 2018, 9:48 am
#38
Join Date: Jul 2014
Posts: 3,688
No adverse changes buying MOs at 4 of my go-to WMs; they're still pushing for customers to use the Express Lanes. A bank inside my go-to supercenter is moving to another location so I'm expecting this WM to open MC, hopefully the friendly cashiers are assigned there. Good tidings for 2018, oh the possibilities!
Jan 7, 2018, 10:12 am
#39
Join Date: Jan 2013
Location: USA
Posts: 78
No adverse changes buying MOs at 4 of my go-to WMs; they're still pushing for customers to use the Express Lanes. A bank inside my go-to supercenter is moving to another location so I'm expecting this WM to open MC, hopefully the friendly cashiers are assigned there. Good tidings for 2018, oh the possibilities!
Jan 7, 2018, 12:55 pm
#40
Join Date: Mar 2009
Location: LAX
Posts: 3,267
The MO printer was broken when I tried yesterday, so no data point available. I didn't mind... They had already taken my payment, so I was reimbursed in cash. Wish all liquidations were so easy!
Jan 7, 2018, 4:08 pm
#41
Join Date: Jan 2018
Posts: 3
So I said “can I do two swipes?” which (naturally) leads to them asking me “Why? What card you using?” Then they saw it’s VGC, and rejected me.
So, when you are purchasing $999.30, what did you say to them to get the chance for two swipes? I assume if you don’t say two swipes, when you swipe your $500 VGC, it will say “not sufficient fund”, right?
Jan 7, 2018, 4:38 pm
#42
Join Date: Jul 2014
Posts: 3,688
Newbie here. A quick question for you. I went to Walmart today, and tryna buy $999.3 with two swipes. The sales monitor says I need to pay $1000 which makes sense.
So I said “can I do two swipes?” which (naturally) leads to them asking me “Why? What card you using?” Then they saw it’s VGC, and rejected me.
So, when you are purchasing $999.30, what did you say to them to get the chance for two swipes? I assume if you don’t say two swipes, when you swipe your $500 VGC, it will say “not sufficient fund”, right?
with the bolded part, when you ask can I? some may respond with ~ while you can, you MAY not. Therefore, when I venture into unknown WMs, I don't ask permission, when I intend to do two up to four swipes, once the total comes up I say, I'm paying $500 with my debit card and cashier inputs amount and tells me when to swipe. (one time cashier asked me why and I told her because the DCs only have $500 in them and I am avoiding error msg 51 to print. most of them don't even know and are grateful I told them) If I encounter resistance and they ask to see my GCM/GCC VGCs with my name printed on them and they reject it, I don't argue nor get mad and I just move on. Fortunately, online GCs pass the sniff test and I get the green light after inspection; I proceed till all swipes are done and tell them thanks, have a great day!
IOW, you may encounter stores whose cashiers have been trained to be suspicious and ask to see the cards used for MO payments, it may be best to just do one swipe or else, keep on trying till you find that cashier who DGAD whatever DC you use as long as they go through. It's always YMMV so just roll with the punches.
Jan 7, 2018, 5:00 pm
#43
Suspended
Join Date: Nov 1999
Posts: 24,153
first and foremost, know that it has, and will always be YMMV which means what happens at YOUR WM may be different from what happens at other WMs.
with the bolded part, when you ask can I? some may respond with ~ while you can, you MAY not. Therefore, when I venture into unknown WMs, I don't ask permission, when I intend to do two up to four swipes, once the total comes up I say, I'm paying $500 with my debit card and cashier inputs amount and tells me when to swipe. (one time cashier asked me why and I told her because the DCs only have $500 in them and I am avoiding error msg 51 to print. most of them don't even know and are grateful I told them) If I encounter resistance and they ask to see my GCM/GCC VGCs with my name printed on them and they reject it, I don't argue nor get mad and I just move on. Fortunately, online GCs pass the sniff test and I get the green light after inspection; I proceed till all swipes are done and tell them thanks, have a great day!
IOW, you may encounter stores whose cashiers have been trained to be suspicious and ask to see the cards used for MO payments, it may be best to just do one swipe or else, keep on trying till you find that cashier who DGAD whatever DC you use as long as they go through. It's always YMMV so just roll with the punches.
with the bolded part, when you ask can I? some may respond with ~ while you can, you MAY not. Therefore, when I venture into unknown WMs, I don't ask permission, when I intend to do two up to four swipes, once the total comes up I say, I'm paying $500 with my debit card and cashier inputs amount and tells me when to swipe. (one time cashier asked me why and I told her because the DCs only have $500 in them and I am avoiding error msg 51 to print. most of them don't even know and are grateful I told them) If I encounter resistance and they ask to see my GCM/GCC VGCs with my name printed on them and they reject it, I don't argue nor get mad and I just move on. Fortunately, online GCs pass the sniff test and I get the green light after inspection; I proceed till all swipes are done and tell them thanks, have a great day!
IOW, you may encounter stores whose cashiers have been trained to be suspicious and ask to see the cards used for MO payments, it may be best to just do one swipe or else, keep on trying till you find that cashier who DGAD whatever DC you use as long as they go through. It's always YMMV so just roll with the punches.
Jan 7, 2018, 7:15 pm
#44
Join Date: May 2016
Posts: 506
I have one location where they openly accept gift cards. But only one transaction a day so I rarely go there for MOs.