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)
May 2, 2018, 12:24 pm
#811
Join Date: May 2016
Posts: 506
that is correct. I came back when different cashier was at same register and second time no questions were asked even for large amounts.
May 2, 2018, 3:47 pm
#812
Join Date: May 2011
Posts: 889
I think it's down to a store manager who's a pain in the butt. Together with the wife unit we're the only folks in town doing MS, have been doing it for years no problemo, I'm a regular, but all of a sudden there's problems with buying MOs in more than one transaction a day and now with the SARs. They even have a note next to the register that says whether I was there that day and when to ensure I don't come back for a second round in the evening.
I've never caused any problems and the bleeping scammers 'returning' merchandise without a receipt are treated with kid gloves. Unreal.
May 2, 2018, 4:47 pm
#813
Join Date: Jul 2014
Posts: 3,688
At first it was only one CSR but now it has spread. I only have one WM nearby so I will have to suck it up. I really can't check multiples times every day which CSR is manning the counter.
I think it's down to a store manager who's a pain in the butt. Together with the wife unit we're the only folks in town doing MS, have been doing it for years no problemo, I'm a regular, but all of a sudden there's problems with buying MOs in more than one transaction a day and now with the SARs. They even have a note next to the register that says whether I was there that day and when to ensure I don't come back for a second round in the evening.
I've never caused any problems and the bleeping scammers 'returning' merchandise without a receipt are treated with kid gloves. Unreal.
I think it's down to a store manager who's a pain in the butt. Together with the wife unit we're the only folks in town doing MS, have been doing it for years no problemo, I'm a regular, but all of a sudden there's problems with buying MOs in more than one transaction a day and now with the SARs. They even have a note next to the register that says whether I was there that day and when to ensure I don't come back for a second round in the evening.
I've never caused any problems and the bleeping scammers 'returning' merchandise without a receipt are treated with kid gloves. Unreal.
IF they go to the extent of doing the bolded part, you better look at the eMSAR forms they're filling in case you haven't seen what's in there that may apply to you. You can google 'images of eMSAR forms at walmart' to see exactly and what they can possibly put on their reports. Since you're providing everything including your SSN and these reports are sent via fax to WM HQ, anyone doing MS should be wary of these forms filled each time they buy MOs and/or do WMBP.
May 2, 2018, 6:57 pm
#814
Join Date: Jul 2016
Location: NY
Posts: 523
At first it was only one CSR but now it has spread. I only have one WM nearby so I will have to suck it up. I really can't check multiples times every day which CSR is manning the counter.
I think it's down to a store manager who's a pain in the butt. Together with the wife unit we're the only folks in town doing MS, have been doing it for years no problemo, I'm a regular, but all of a sudden there's problems with buying MOs in more than one transaction a day and now with the SARs. They even have a note next to the register that says whether I was there that day and when to ensure I don't come back for a second round in the evening.
I've never caused any problems and the bleeping scammers 'returning' merchandise without a receipt are treated with kid gloves. Unreal.
I think it's down to a store manager who's a pain in the butt. Together with the wife unit we're the only folks in town doing MS, have been doing it for years no problemo, I'm a regular, but all of a sudden there's problems with buying MOs in more than one transaction a day and now with the SARs. They even have a note next to the register that says whether I was there that day and when to ensure I don't come back for a second round in the evening.
I've never caused any problems and the bleeping scammers 'returning' merchandise without a receipt are treated with kid gloves. Unreal.
May 2, 2018, 7:17 pm
#815
Join Date: May 2011
Posts: 889
Still, the paranoia on the part of WM is annoying, half of everyone at that desk is returning stuff without receipts and sending cash to mexico - but I'm the suspicious one.
Also, with all MSers being suspicious now, HQ must be getting inundated with SARs, which makes them completely useless. Any SAR is now almost guaranteed a false positive.
May 2, 2018, 7:21 pm
#816
Join Date: Jul 2016
Location: NY
Posts: 523
Occasionally, yes. I'm pretty sure I'm the only MSer at that WM, so a note specifically targeting me isn't that odd, as I'm the only 'suspicious' MO-buyer.
Still, the paranoia on the part of WM is annoying, half of everyone at that desk is returning stuff without receipts and sending cash to mexico - but I'm the suspicious one.
Still, the paranoia on the part of WM is annoying, half of everyone at that desk is returning stuff without receipts and sending cash to mexico - but I'm the suspicious one.
May 2, 2018, 11:29 pm
#817
Join Date: Sep 2011
Location: USA
Posts: 1,179
Not sure what to make of it but went to WMT after a few months to get MO using Meta.
The first and my regular location where I've been going for over a year declined splits for the first time- the CSR stated starting 5/1 they stopped taking Meta/doing splits. This is my reliable tested location where I know most of the CSRs and it was surprising to see them lock down on splits. They have been quite generous with their policy and allowed everyone $3k/day without any issues. I'll try again later this week with another CSR to make sure this is now the new rule.
The second location, upon my "$500 on debit" request for a $999.12 MO declined saying they don't accept "those" cards.
The third location- I played it safe and got a $499 MO and swiped fast to process the payment. Then when I tried to get another MO for $495.xx the system alerted the CSR to ask for ID and Card to match names. Strange! (the second transaction was not immediately after the first so not sure why the ID request popped up on the second one and not the first one. The CSR didn't ask for it and processed the payment only to see that on the screen.)
I guess I'll have to start looking for other channels to liquidate Metas.
The first and my regular location where I've been going for over a year declined splits for the first time- the CSR stated starting 5/1 they stopped taking Meta/doing splits. This is my reliable tested location where I know most of the CSRs and it was surprising to see them lock down on splits. They have been quite generous with their policy and allowed everyone $3k/day without any issues. I'll try again later this week with another CSR to make sure this is now the new rule.
The second location, upon my "$500 on debit" request for a $999.12 MO declined saying they don't accept "those" cards.
The third location- I played it safe and got a $499 MO and swiped fast to process the payment. Then when I tried to get another MO for $495.xx the system alerted the CSR to ask for ID and Card to match names. Strange! (the second transaction was not immediately after the first so not sure why the ID request popped up on the second one and not the first one. The CSR didn't ask for it and processed the payment only to see that on the screen.)
I guess I'll have to start looking for other channels to liquidate Metas.
May 3, 2018, 1:18 am
#818
Join Date: Feb 2012
Posts: 4,477
It sounds like WM in your area is already more accommodating than most other places. If I lived in such neighborhood, I'd count my blessings and not feel entitled to cross the stated limits.
May 3, 2018, 7:20 am
#820
Join Date: Aug 2005
Posts: 127
I used us bank vgc with split payment yesterday at my local WM without any issues
May 3, 2018, 7:53 am
#821
Join Date: Sep 2015
Posts: 305
Not sure what to make of it but went to WMT after a few months to get MO using Meta.
The first and my regular location where I've been going for over a year declined splits for the first time- the CSR stated starting 5/1 they stopped taking Meta/doing splits. This is my reliable tested location where I know most of the CSRs and it was surprising to see them lock down on splits. They have been quite generous with their policy and allowed everyone $3k/day without any issues. I'll try again later this week with another CSR to make sure this is now the new rule.
The second location, upon my "$500 on debit" request for a $999.12 MO declined saying they don't accept "those" cards.
The third location- I played it safe and got a $499 MO and swiped fast to process the payment. Then when I tried to get another MO for $495.xx the system alerted the CSR to ask for ID and Card to match names. Strange! (the second transaction was not immediately after the first so not sure why the ID request popped up on the second one and not the first one. The CSR didn't ask for it and processed the payment only to see that on the screen.)
I guess I'll have to start looking for other channels to liquidate Metas.
The first and my regular location where I've been going for over a year declined splits for the first time- the CSR stated starting 5/1 they stopped taking Meta/doing splits. This is my reliable tested location where I know most of the CSRs and it was surprising to see them lock down on splits. They have been quite generous with their policy and allowed everyone $3k/day without any issues. I'll try again later this week with another CSR to make sure this is now the new rule.
The second location, upon my "$500 on debit" request for a $999.12 MO declined saying they don't accept "those" cards.
The third location- I played it safe and got a $499 MO and swiped fast to process the payment. Then when I tried to get another MO for $495.xx the system alerted the CSR to ask for ID and Card to match names. Strange! (the second transaction was not immediately after the first so not sure why the ID request popped up on the second one and not the first one. The CSR didn't ask for it and processed the payment only to see that on the screen.)
I guess I'll have to start looking for other channels to liquidate Metas.
May 3, 2018, 1:23 pm
#823
Join Date: May 2016
Posts: 506
BAU. Any DPs about restrictions people post here seem to be store specific and not hard coded nationwide.
May 3, 2018, 5:14 pm
#824
Join Date: May 2018
Posts: 1
Was told for the first time at WM (in the state of WI) that they do not accept prepaid VGCs for MOs. I had never had that particular employee before, so I'm not sure if it's a new store policy or just the employee. I'll try again soon and post an update.
May 3, 2018, 6:15 pm
#825
Join Date: Mar 2018
Posts: 14
I suspect it was just that employee. Bought MO today in PA, BAU. I have three or four employees here who regularly handle my MO (so much so that they have the $1000 and $998.24 purchases down), but if someone else is working they say they don’t know if it can be done, or if they can take debit cards, etc.