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)
Aug 2, 2018, 1:10 pm
#1351
Join Date: Jun 2014
Location: IAD
Posts: 60
I was just told today by a CSR that they couldn't accept GC for MO because *payment via GC* would break the MO machine. Couldn't tell if they really believed this or if they were making it up to make me go away.
Aug 2, 2018, 1:14 pm
#1352
Join Date: Jan 2017
Programs: World of Hyatt Globalist; American Airlines Platinum; IHG Platinum; Marriott Gold
Posts: 42
You should have offered to buy a new money order machine if the GC broke the machine.
Aug 2, 2018, 1:25 pm
#1353
Join Date: Oct 2013
Posts: 483
It will be a bummer if they do program the system to only accept one swipe. A CSR mentioned they were going to update the system soon and it sounds like others have heard that as well in previous posts. We will see if that ever happens, but they did change the multiple swipes for prepaid cards recently.
Aug 2, 2018, 3:53 pm
#1354
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,676
Aug 2, 2018, 4:38 pm
#1356
Join Date: Jul 2014
Posts: 3,688
Years ago, circa 2013 thru early 2015, we can load Serve/BB with vanillas and sometime late 2015(?), WM disallowed vanillas for money services >$49.99. Since they were able to isolate the vanilla GCs, I'm pretty sure that once they decide on enforcing a one swipe rule for all money services, it'll be executed instantly in all their stores that get the register update. It'll definitely be a big blow to MSers, especially those who rely solely on WM to drain their GCs; others may have grocery stores and gas stations as back-up but it'll still affect those who are doing volume transactions. I'm sure many will re-assess whether one swipe is worth stepping at WM. Hopefully, it remains YMMV till end of this year allowing 4 swipes at friendly WMs. It has been reported that MG is monitoring closely bill payments made to various CCs and they have been rejecting these B/Ps processed at WM.
Aug 3, 2018, 12:21 pm
#1357
Join Date: Jan 2017
Programs: World of Hyatt Globalist; American Airlines Platinum; IHG Platinum; Marriott Gold
Posts: 42
Seems like it might just be confined to WNM? I don't know.
Let's just hope that the one swipe isn't done nation-wide. To be honest, I have a hard time believing that they will enforce that nationwide. I would assume that a ton of people need to pay for MOs with 2 debit cards. Who knows?
Aug 3, 2018, 1:17 pm
#1358
Suspended
Join Date: Nov 1999
Posts: 24,153
Seems like it might just be confined to WNM? I don't know.
Let's just hope that the one swipe isn't done nation-wide. To be honest, I have a hard time believing that they will enforce that nationwide. I would assume that a ton of people need to pay for MOs with 2 debit cards. Who knows?
Let's just hope that the one swipe isn't done nation-wide. To be honest, I have a hard time believing that they will enforce that nationwide. I would assume that a ton of people need to pay for MOs with 2 debit cards. Who knows?
Now MSers are a whole different story
Aug 3, 2018, 1:54 pm
#1359
Join Date: Jun 2011
Posts: 3,528
I disagree its very simple to hard code their registers to do whatever they want. I also disagree about most people having to use more then 1 Debit Card. Most folks who have more then 1 BDC probably never purchase MOs they have checks = $0 fee. My gut tells me most folks dont have more then 1 checking acct and probably bank at 1 bank. The vast majority of people needing to get a legit MO will be paying in Ca$h
Now MSers are a whole different story
Now MSers are a whole different story
Aug 3, 2018, 2:43 pm
#1360
Join Date: Oct 2013
Posts: 1,322
I tend to avoid my inner-city WM at end/first of month, as well as Fridays -- lines at CS are crazy long, and using Express Lane for more than one BP transaction just attracts glares from customers and irritates my CS ladies. Wondering if anyone else follows similar strategy.
Aug 3, 2018, 3:12 pm
#1361
Join Date: Aug 2013
Posts: 49
Inconsiderate Whale
MOD NOTE: Photo was removed. Please obscure the identity in the future if sharing photos like that.
went to one of the few friendly WM in the area today. Super long line, maybe 15 people
Whale at work, inviting a MG review
. This guy was hogging the only CSR with $10,000 of MO which took at least 30 min because each time he got the MOs he would take the time to fill them out and endorse before the next transaction. People were getting really restless and ticked off. Then when another CSR comes I catch her and she lets me do two $1,000 MO with four $500 GC. When I asked to do more she tells me not allowed to do more than one transaction in a day. When I pointed out that the whale just did 5 separate transactions of two $1,000 MO she says that the CSR next to her that did the transactions was wrong and didn't even collect personal info. I felt sorry for him. Then another CSR comes up and says you can do more than two $1,000 MOs at a time and that you just have to let them know you are doing 10 $1,000 MO then then do 20 $500 swipes which I believe is wrong as per Wiki. What a cluster
went to one of the few friendly WM in the area today. Super long line, maybe 15 people
Whale at work, inviting a MG review
. This guy was hogging the only CSR with $10,000 of MO which took at least 30 min because each time he got the MOs he would take the time to fill them out and endorse before the next transaction. People were getting really restless and ticked off. Then when another CSR comes I catch her and she lets me do two $1,000 MO with four $500 GC. When I asked to do more she tells me not allowed to do more than one transaction in a day. When I pointed out that the whale just did 5 separate transactions of two $1,000 MO she says that the CSR next to her that did the transactions was wrong and didn't even collect personal info. I felt sorry for him. Then another CSR comes up and says you can do more than two $1,000 MOs at a time and that you just have to let them know you are doing 10 $1,000 MO then then do 20 $500 swipes which I believe is wrong as per Wiki. What a cluster
Last edited by ChrisFlyer66; Aug 6, 2018 at 1:44 pm Reason: remove photo
Aug 3, 2018, 3:20 pm
#1362
Suspended
Join Date: Nov 1999
Posts: 24,153
I disagree. A surprising number of people these days don't have or use checks, even if they have a banking account. Also, I've known plenty of people (myself included) who had to make a rent downpayment using an MO - checks were not accepted (unless maybe they were certified).
I still believe that most folks do NOT have more then 1 checking acct = having 1 BDC
How many times have you gotten more then 1 MO using a BDC at a time? Could be some folks have 2 rent downpayments to make at 1 time and thusly will need more then 1 MO. But highly doubt that many folks walk into a Wally with more then 1 BDC in order to walk out with 1 or more MOs. I didnt say 'no one does it' if its done its a very small % , no different then sending money cant remember teh last time I saw a person use a BDC, its 99.99% Ca$h being used.
Just as they put the brakes on everyones favorite ice cream flavor they can kill this too simply by hard coding the 1st 4 digits, or simply going with 1 swipe and 1 transaction per day or maxing an MO at $500. Im sure in time they will
Aug 3, 2018, 7:41 pm
#1363
Join Date: Dec 2005
Location: South Florida
Programs: AA EXP, HH Diamond, Marriott Platinium
Posts: 1,334
I just came back from my local WM store and it was down, friendly CSR told me that it has been down for 2 hours in all WMs (not sure if was just this area, South FL or state wide).
I couple of times Moneygram has been down in the last two weeks but not the MO service. I hope is just a system issue and not a a system upgrade, if I remember correctly, I was the first person to report the new system a couple of months ago when they started printing a MO with the word "GIFT" or something like that.
I couple of times Moneygram has been down in the last two weeks but not the MO service. I hope is just a system issue and not a a system upgrade, if I remember correctly, I was the first person to report the new system a couple of months ago when they started printing a MO with the word "GIFT" or something like that.
Aug 3, 2018, 7:54 pm
#1364
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,445
A lot of stuff is locally made up by the CSR attending the transaction. I had transactions at 3 different WMs today. One say only 1 transaction a day (in a store where I have regularly done more than 1). Another was about to do the deed for me when a Yellow Vest comes up and asks if my cards had my name on them. (I am honest so I said no). She then said MOs only with DCs with your name on it. So I leave. The third store was BAU.
So I think that it is all local made up BS depending on the CSR and above that you are dealing with.
(As an aside, one store that told me no more MOs with GCs let my wife do 2 MOs with GCs the next afternoon, It just was with a different set of CSRs).
So I think that it is all local made up BS depending on the CSR and above that you are dealing with.
(As an aside, one store that told me no more MOs with GCs let my wife do 2 MOs with GCs the next afternoon, It just was with a different set of CSRs).
Aug 3, 2018, 9:00 pm
#1365
Join Date: Jun 2015
Posts: 1,727
went to one of the few friendly WM in the area today. Super long line, maybe 15 people
Whale at work, inviting a MG review
. This guy was hogging the only CSR with $10,000 of MO which took at least 30 min because each time he got the MOs he would take the time to fill them out and endorse before the next transaction. People were getting really restless and ticked off. Then when another CSR comes I catch her and she lets me do two $1,000 MO with four $500 GC. When I asked to do more she tells me not allowed to do more than one transaction in a day. When I pointed out that the whale just did 5 separate transactions of two $1,000 MO she says that the CSR next to her that did the transactions was wrong and didn't even collect personal info. I felt sorry for him. Then another CSR comes up and says you can do more than two $1,000 MOs at a time and that you just have to let them know you are doing 10 $1,000 MO then then do 20 $500 swipes which I believe is wrong as per Wiki. What a cluster
Whale at work, inviting a MG review
. This guy was hogging the only CSR with $10,000 of MO which took at least 30 min because each time he got the MOs he would take the time to fill them out and endorse before the next transaction. People were getting really restless and ticked off. Then when another CSR comes I catch her and she lets me do two $1,000 MO with four $500 GC. When I asked to do more she tells me not allowed to do more than one transaction in a day. When I pointed out that the whale just did 5 separate transactions of two $1,000 MO she says that the CSR next to her that did the transactions was wrong and didn't even collect personal info. I felt sorry for him. Then another CSR comes up and says you can do more than two $1,000 MOs at a time and that you just have to let them know you are doing 10 $1,000 MO then then do 20 $500 swipes which I believe is wrong as per Wiki. What a cluster
Last edited by ChrisFlyer66; Aug 6, 2018 at 1:45 pm Reason: remove photo