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 3, 2018, 9:04 pm
#1366
Join Date: Jun 2015
Posts: 1,727
I was told by the person who told me that it was a one-swipe policy now that Walmart Neighborhood Markets have different policies than Walmarts at the MC (my one-swipe rule is at the Walmart NM).
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?
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, 9:10 pm
#1367
Join Date: Oct 2010
Location: DFW
Posts: 683
Aug 3, 2018, 10:49 pm
#1368
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
Personally I find the whole thing kind of amusing, the fact that this huge a company, which probably does more financial transactions per day than any bank, has so few standards. Can you imagine Wells Fargo or BoA having different policies at different locations (unless pursuant to state law)?
Aug 4, 2018, 11:40 am
#1369
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Aug 4, 2018, 8:24 pm
#1371
Join Date: Oct 2013
Posts: 1,322
Personally I find the whole thing kind of amusing, the fact that this huge a company, which probably does more financial transactions per day than any bank, has so few standards. Can you imagine Wells Fargo or BoA having different policies at different locations (unless pursuant to state law)?
Aug 6, 2018, 10:55 am
#1374
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,672
Aug 6, 2018, 10:57 pm
#1375
Join Date: Sep 2005
Location: LAX-HNL-TYO
Programs: ANA PLATINUM,HYATT GLOBALIST, AA PLATINUM FOR LIFE, UNITED SILVER, HILTON DIAMOND, MARRIOTT TITANIUM
Posts: 606
Aug 6, 2018, 10:59 pm
#1376
Join Date: Sep 2005
Location: LAX-HNL-TYO
Programs: ANA PLATINUM,HYATT GLOBALIST, AA PLATINUM FOR LIFE, UNITED SILVER, HILTON DIAMOND, MARRIOTT TITANIUM
Posts: 606
I heard that one a few days ago as well. I think they are full of crap!
Aug 6, 2018, 11:06 pm
#1377
Join Date: Sep 2005
Location: LAX-HNL-TYO
Programs: ANA PLATINUM,HYATT GLOBALIST, AA PLATINUM FOR LIFE, UNITED SILVER, HILTON DIAMOND, MARRIOTT TITANIUM
Posts: 606
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
Aug 6, 2018, 11:22 pm
#1378
Suspended
Join Date: Sep 2014
Posts: 350
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
Aug 7, 2018, 2:11 pm
#1379
Join Date: Jun 2015
Posts: 1,727
I somewhat agree with you, however filling out and endorsing both money orders between every transaction is pretty inconsiderate of other people's time. Take them out to your car and fill them out there all at once. Speaking of whales, saw evidence of a beached whale the other day.
Aug 7, 2018, 2:20 pm
#1380
Join Date: Jun 2015
Posts: 1,727
Behavior by the poster of complaining to the CSRs is more likely to lead to a shut down than the alleged whale. No evidence was presented of the person photographed doing a high value. Even if there was there is nothing implicitly illegal with doing any value of MOs. Posting the picture is like revenge porn. The best thing that can happen is for Walmart to do a complete shutdown of the gebits. That way no one can feel bad they don’t get treated differently. The dumbest thing anyone can do is say bbbbbbut that csr let’s me do this or that transaction. The more you get them thinking the more they talk and ultimately the shutdown comes.