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 6, 2018, 5:35 pm
#841
Join Date: Oct 2017
Programs: Lots
Posts: 320
Ran into my first MO denial due to “structuring.” Wasn’t in my usual routes of WMs, but during a road trip. Apparently using more than one card to buy MOs is structuring to them, even though it’s 4 different cards (with my name on them and matching my DL) with 4 different account numbers on them.
May 6, 2018, 6:57 pm
#842
Join Date: Mar 2017
Posts: 161
Ran into my first MO denial due to “structuring.” Wasn’t in my usual routes of WMs, but during a road trip. Apparently using more than one card to buy MOs is structuring to them, even though it’s 4 different cards (with my name on them and matching my DL) with 4 different account numbers on them.
May 6, 2018, 9:26 pm
#843
Join Date: Jan 2016
Posts: 369
Good to hear. Glad it was just another local CSR making-up their own rules. I've heard it all. Federal crime, structuring, money laundering, or my favorite, "You're up to something, I'm just not sure what."
May 6, 2018, 10:45 pm
#844
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
My personal favorite is when they want to fill out some kind of form but don't know what form to complete, so they pick one more or less at random.
While I know things could change on a dime, I'm in nirvana at my WM. They all know me including the supervisors. I'm limited to one transaction (four swipes) of MO's but can do as many billpays a day as I like. (Most I've done so far in a day is four.)
While I know things could change on a dime, I'm in nirvana at my WM. They all know me including the supervisors. I'm limited to one transaction (four swipes) of MO's but can do as many billpays a day as I like. (Most I've done so far in a day is four.)
May 7, 2018, 9:41 am
#845
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
Business as usual for me. I limit myself to 2x MOs per visit and single swipes only
May 7, 2018, 10:06 am
#846
Join Date: Oct 2009
Location: EUG BKK
Programs: Zero Status Nexus
Posts: 432
May 7, 2018, 1:26 pm
#848
Join Date: Mar 2007
Location: Northern VA
Programs: Marriott Plat, HHonors Gold, Hertz President's Circle
Posts: 235
Two additional questions: 1. MO can only be bought at money center not the regular register right?
2. Never bought any MO ever, so what info I need to fill out before swiping cards (I guess recipient - self or wife?)
Thanks a lot.
2. Never bought any MO ever, so what info I need to fill out before swiping cards (I guess recipient - self or wife?)
Thanks a lot.
May 7, 2018, 1:39 pm
#849
Join Date: Aug 2002
Location: Raleigh, NC, USA
Posts: 300
2. You don't need to provide any information, but would recommend filling in the recipient as soon as you get it to prevent it from being lost and anyone being able to fill in the recipient.
May 7, 2018, 3:15 pm
#850
Join Date: Mar 2007
Location: Northern VA
Programs: Marriott Plat, HHonors Gold, Hertz President's Circle
Posts: 235
Thanks. I also see bill pay as option to cash out vgc at Walmart. Can I pay credit card bill with vgc or how is this done? Much appreciate it.
May 7, 2018, 3:54 pm
#851
Join Date: Aug 2002
Location: Raleigh, NC, USA
Posts: 300
May 8, 2018, 10:49 am
#852
Join Date: Mar 2007
Location: Northern VA
Programs: Marriott Plat, HHonors Gold, Hertz President's Circle
Posts: 235
OK, I went to four different stores today and managed to cashed out for four MOs. Got one rejection for buyng the 2nd one at my closet store, and 2nd store (w/ a different rep) claiming not accepting the vgc after seeing those. Please bear with my ignorance, judging from the print out, I see no names/address (all printed as "original document"), but only one place in the back for "payee endorsement". I happen to have USAA checking which according to wiki and their site, accept mobile deposit for MO.
Two questions before I do anything:
1. I need to tear off the stub says "receipt" before deposit right?
2. Just sign my own name in the back and deposit it the way I deposit regular check right?
3. I saw in the wiki that some banks will shut down account for mo deposit to a certain extent? Can anyone share the experience?
Thanks so much, guys. I'm a little relieved that I could cash them out and put most of them back for my renovation project.
One final question, I have one $200 meta vgc left, and a bunch of vanilla vgc and mgc. I figure it would not worth the hassle and effort to put them into mo right (vanilla vgc seem to have much more limit in this)?
Two questions before I do anything:
1. I need to tear off the stub says "receipt" before deposit right?
2. Just sign my own name in the back and deposit it the way I deposit regular check right?
3. I saw in the wiki that some banks will shut down account for mo deposit to a certain extent? Can anyone share the experience?
Thanks so much, guys. I'm a little relieved that I could cash them out and put most of them back for my renovation project.
One final question, I have one $200 meta vgc left, and a bunch of vanilla vgc and mgc. I figure it would not worth the hassle and effort to put them into mo right (vanilla vgc seem to have much more limit in this)?
May 8, 2018, 12:42 pm
#853
Join Date: Sep 2015
Posts: 305
Out of those "Everywhere" cards , is it "Style Everywhere" or "Grocery Everywhere" that is most likely to work for buying MO at WM? I know YMMV, but I also know some of those "Everywhere" cards have higher chance of success than others.
May 8, 2018, 1:40 pm
#854
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Anybody else notice the new payment amount field? No more asterisks between digits in the amount field. Guess it depends on the store though. Got them at different locations today and some are the old and some are the new style. Should be clearer for photo deposits.
May 8, 2018, 1:54 pm
#855
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 it was somewhat BAU, with my local WMNM, but at the MC, VGCs (and for that matter) all GCs are INP. When I asked the CSM, she said that it was due to the high levels of GC fraud coming through the store and therefore was in trouble with compliance.