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 14, 2018, 3:53 pm
#1411
Join Date: Oct 2017
Programs: Lots
Posts: 320
a problem I’ve seen now at a second WM is that the swiping terminals are failing. It’s not the MO machine, it’s the terminal. One WM told me they aren’t accepting debit cards, bank debit or GC debit because their terminals are all down. Just went to another WM and 2 out of 3 of the terminals were down. Hopefully they replace them sooner than later. Can’t imagine them being able to do their jobs without them.
Aug 14, 2018, 3:59 pm
#1412
Join Date: Oct 2015
Location: NRT
Programs: UA gold
Posts: 135
a problem I’ve seen now at a second WM is that the swiping terminals are failing. It’s not the MO machine, it’s the terminal. One WM told me they aren’t accepting debit cards, bank debit or GC debit because their terminals are all down. Just went to another WM and 2 out of 3 of the terminals were down. Hopefully they replace them sooner than later. Can’t imagine them being able to do their jobs without them.
Aug 14, 2018, 9:47 pm
#1414
Suspended
Join Date: Aug 2009
Location: Look up - On a ✈ DELTA ✈ jet NOW!
Programs: Blogger & Delta Diamond Medallion Million Miler
Posts: 4,174
Aug 15, 2018, 3:38 pm
#1415
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
a problem I’ve seen now at a second WM is that the swiping terminals are failing. It’s not the MO machine, it’s the terminal. One WM told me they aren’t accepting debit cards, bank debit or GC debit because their terminals are all down. Just went to another WM and 2 out of 3 of the terminals were down. Hopefully they replace them sooner than later. Can’t imagine them being able to do their jobs without them.
Aug 16, 2018, 9:54 pm
#1416
Join Date: Mar 2015
Location: RBK
Programs: AA EXP
Posts: 128
SoCal WM today for my usual $2k, 4-swipe transaction. Newbie cashier fumbles at the screen for a few minutes and then asks for my name, address, occupation, and ID. I asked why, and she called over an asst mgr who said that when it's a split-tender , the register now requires them to collection your personal info.
I'll go back tomorrow when my friendly cashiers are on, and see if I get the same result. But this concerns me. If they're collecting ID for all split-tender transactions, regardless of the size, I fear this is a prelude to MoneyGram blacklisting us.
I'll go back tomorrow when my friendly cashiers are on, and see if I get the same result. But this concerns me. If they're collecting ID for all split-tender transactions, regardless of the size, I fear this is a prelude to MoneyGram blacklisting us.
Aug 16, 2018, 10:26 pm
#1417
Suspended
Join Date: Aug 2009
Location: Look up - On a ✈ DELTA ✈ jet NOW!
Programs: Blogger & Delta Diamond Medallion Million Miler
Posts: 4,174
SoCal WM today for my usual $2k, 4-swipe transaction. Newbie cashier fumbles at the screen for a few minutes and then asks for my name, address, occupation, and ID. I asked why, and she called over an asst mgr who said that when it's a split-tender , the register now requires them to collection your personal info.
I'll go back tomorrow when my friendly cashiers are on, and see if I get the same result. But this concerns me. If they're collecting ID for all split-tender transactions, regardless of the size, I fear this is a prelude to MoneyGram blacklisting us.
I'll go back tomorrow when my friendly cashiers are on, and see if I get the same result. But this concerns me. If they're collecting ID for all split-tender transactions, regardless of the size, I fear this is a prelude to MoneyGram blacklisting us.
Aug 16, 2018, 10:40 pm
#1418
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,795
This is in part why I don't split tender. Most normal people don't, and I don't like drawing attention to myself. For the 200 VGCs from OD/OM/S I don't even really deal with wally anymore since I have another laundromat that's half the price.
Aug 17, 2018, 12:35 am
#1419
Join Date: Mar 2015
Location: RBK
Programs: AA EXP
Posts: 128
The extra $0.88 per $1000 wouldn't be a big deal. But having to convert VGC to MO one $500 transaction at a time would be painful
Aug 17, 2018, 1:06 am
#1420
Join Date: May 2011
Posts: 889
Most normal people also don't buy the exact same money order every single day....
Aug 17, 2018, 9:22 am
#1421
Join Date: Oct 2010
Location: DFW
Posts: 685
. Seriously though, I'm surprised anyone besides FT'ers use money orders...or checks for that matter anymore. There are so much easier and cheaper ways if you just want to send money somewhere.
Aug 17, 2018, 9:42 am
#1422
Join Date: Jun 2014
Location: IAD
Posts: 60
A WM CSR once told me the MO limit was $750 and so I've never asked for more, but I keep seeing people saying they're getting 1K MOs. I guess my CSR was just making that up?
Aug 17, 2018, 10:15 am
#1423
Join Date: Jan 2013
Location: California
Programs: AA EXP 2MM, HH DIA, Hertz PC, GE + Pre✓, Amazon Super Special Prime
Posts: 1,008
Your guess is correct. There are a bakers dozen of data points of a CSR making up their own policy, overriding store policy (for the good or bad of MSers), or just plain lying to a customer. The only certainty is uncertainty in the land of Wally, so YMMV and HUCA apply.
Aug 17, 2018, 12:39 pm
#1424
Join Date: May 2011
Posts: 889
The real horror show IMO at the money center is people sending or receiving money WM->WM for a $4 fee, often just $20 or $50. Holy smoke, I calculate my recycling cost at 0.088%, you poor stranger just lost 16.7% to send $20! Talk about predatory practices .
Aug 17, 2018, 12:54 pm
#1425
Join Date: May 2011
Posts: 889
Limit is 1K / MO and 4 swipes per transaction, so 4 x 500 for 2 x 999.18 MOs per transaction for most of us