Buying Money Orders at Walmart (2018)

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Old Jan 4, 19, 9:43 am   -   Wikipost
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Last edit by: wyogold
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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.
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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
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Old Jul 30, 18, 10:16 pm
  #1336  
 
Join Date: May 2011
Posts: 889
Originally Posted by coltonatx View Post
Has anyone had luck using the Dining Everywhere VGCs since the update or any other variations?
Dining home and style ok for mo at sc's
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Old Jul 30, 18, 10:33 pm
  #1337  
 
Join Date: Aug 2009
Posts: 692
Originally Posted by coltonatx View Post
Has anyone had luck using the Dining Everywhere VGCs since the update or any other variations?
DE's only work at half the WM's in my area. So I only buy DE's as a last resort.
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Old Jul 30, 18, 10:37 pm
  #1338  
 
Join Date: Sep 2013
Posts: 767
Originally Posted by wyogold View Post
Dining home and style ok for mo at sc's
SC's?
coltonatx is offline  
Old Jul 30, 18, 11:09 pm
  #1339  
 
Join Date: Sep 2015
Posts: 39
Walmart is only allowing cash or debit for in-store purchases of VGCs at a rapidly growing number of stores. This is clearly part of the same crackdown. Walmart is tired of gifting us CC rewards by losing money on transaction fees on low-margin financial instruments.

So which gift cards should I turn to now? I've avoided online GCs because I don't want them to get lost in the mail. Are there any that have security measures like activating them with an authentication code after they've been received? Also, why are people using MCGCs despite the extra complication?
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Old Jul 30, 18, 11:31 pm
  #1340  
Moderator, Manufactured Spending
 
Join Date: Mar 2011
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Originally Posted by pdxuser View Post
Walmart is only allowing cash or debit for in-store purchases of VGCs at a rapidly growing number of stores. This is clearly part of the same crackdown. Walmart is tired of gifting us CC rewards by losing money on transaction fees on low-margin financial instruments.

So which gift cards should I turn to now? I've avoided online GCs because I don't want them to get lost in the mail. Are there any that have security measures like activating them with an authentication code after they've been received? Also, why are people using MCGCs despite the extra complication?
I think people are using the MCGC because, with limited exceptions, portals stopped paying cash back on VGC. Some people, including me, are willing to put up with more complications for more cash back.

As for your question about what GC to turn to... If you don't want to buy them online, then the next cheapest option is probably to buy VGC at simon mall.
ChrisFlyer66 is offline  
Old Jul 30, 18, 11:46 pm
  #1341  
 
Join Date: May 2011
Posts: 889
Originally Posted by coltonatx View Post
SC's?
Supercenters, not regular walmarts
wyogold is offline  
Old Jul 31, 18, 1:09 am
  #1342  
 
Join Date: Sep 2015
Posts: 39
Originally Posted by ChrisFlyer66 View Post
I think people are using the MCGC because, with limited exceptions, portals stopped paying cash back on VGC. Some people, including me, are willing to put up with more complications for more cash back.

As for your question about what GC to turn to... If you don't want to buy them online, then the next cheapest option is probably to buy VGC at simon mall.
I'm willing to buy online now. The nearest Simon mall is way out of town. What are the best options? Does anyone mail GCs particularly quickly? Is there a good blog post or something somewhere?

Last edited by pdxuser; Jul 31, 18 at 5:22 pm
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Old Jul 31, 18, 3:48 am
  #1343  
 
Join Date: Jul 2016
Posts: 62
BAU July 30th, 2018. Long Island, New York. one - 1k MO.

Last edited by joeaseer; Aug 2, 18 at 7:26 am
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Old Aug 1, 18, 2:08 pm
  #1344  
 
Join Date: Oct 2010
Location: Dallas, TexasBorn and raised in Dallas, TX. UT grad. Veteran
Programs: AA, DL, CO
Posts: 8
Originally Posted by Gitangali View Post
Any changes to the Walmart system? New year kicked in.
No Walmart--or any other place--in Dallas, TX area will sell MOs using PIN-enabled gift cards.I and many others would be delighted to find some place.
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Old Aug 1, 18, 8:40 pm
  #1345  
Moderator, Manufactured Spending
 
Join Date: Mar 2011
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Several posts discussing buying GC and MO at Kroger were moved to the appropriate thread:

https://www.flyertalk.com/forum/manu...nwards-65.html
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Old Aug 1, 18, 9:42 pm
  #1346  
 
Join Date: Apr 2011
Location: MSP
Programs: DL, BA, AA
Posts: 271
When I went to buy 2- $1000 money orders at WM today, they asked for ID and then had to input my SSN on the screen. First time this happened. Has this happened to anyone else?
worldtravels is offline  
Old Aug 1, 18, 9:50 pm
  #1347  
 
Join Date: Feb 2008
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Originally Posted by worldtravels View Post
When I went to buy 2- $1000 money orders at WM today, they asked for ID and then had to input my SSN on the screen. First time this happened. Has this happened to anyone else?
it happened to me about 2 months ago. Only time in about two hundred visits. Since then everything is normal. Four swipes this afternoon. Routine.
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Old Aug 1, 18, 10:41 pm
  #1348  
 
Join Date: Oct 2010
Location: DFW
Posts: 600
Originally Posted by worldtravels View Post
When I went to buy 2- $1000 money orders at WM today, they asked for ID and then had to input my SSN on the screen. First time this happened. Has this happened to anyone else?
Happens every time at two of my nearby local WM's (out of about 10).
knopfler is offline  
Old Aug 2, 18, 12:31 am
  #1349  
 
Join Date: May 2008
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Originally Posted by pdxuser View Post
I'm willing to buy online now. The nearest Simon mall is way out of town. What are the best options? Does anyone mail GCs particularly quickly? Is there a good blog post or something somewhere?
Go to simongiftcard.com. They can be random about rejecting orders, but when they don't they're pretty good.

The process works like this: First you put in the order and get a confirmation. 15-60 minutes later you get an email saying "Your payment was accepted." The next day at 9PM Eastern you get an email saying "Your order has shipped." Arrival time is 3-6 days - In the past couple of weeks, I've twice had two orders placed 2-3 days apart arrive at the same time.

If you have a VPN, it may reject you. Disable the VPN.

I don't log in, I always check out as "Guest."

I've had times when I went weeks or even months with every order being rejected, but lately that hasn't happened much. I do vary the email addresses and credit cards used, and even the name (as one of my cards has my father as an AU, with a different cards number, and the same address as me since we live together).
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Old Aug 2, 18, 2:07 pm
  #1350  
 
Join Date: Jan 2017
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DP - One of my normal stores just told me it was only "one swipe" for now on, because of money laundering. The other one didn't care (4 swipes).

Oh well. I guess I'll have to start adding in a different Walmart into my routine. I'll figure it out. Ugh.
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