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)
Jan 2, 2018, 7:57 pm
#16
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
I wouldn't see why. Get "shut down" from what?
Lots of people pay their bills at WM. Back in the halcyon days of the SunTrust Delta debit card, I would regularly pay my credit card bills at WM with that card.
I know some people have said that depositing money orders into accounts will get your bank account shut down. I did have an account shut down for that reason a few years ago. The next bank I used was one where my father had been working for 15 years, and then I moved to one where I had a high 5-figure loan balance.
Although I have frequently mailed MO's directly to Fidelity, both when they had the Amex through BoA and now with the Visa through Elan, and never a problem. Just that it's slower and more uncertain than depositing them in the bank, because of mail delays and no paper trail.
Lots of people pay their bills at WM. Back in the halcyon days of the SunTrust Delta debit card, I would regularly pay my credit card bills at WM with that card.
I know some people have said that depositing money orders into accounts will get your bank account shut down. I did have an account shut down for that reason a few years ago. The next bank I used was one where my father had been working for 15 years, and then I moved to one where I had a high 5-figure loan balance.
Although I have frequently mailed MO's directly to Fidelity, both when they had the Amex through BoA and now with the Visa through Elan, and never a problem. Just that it's slower and more uncertain than depositing them in the bank, because of mail delays and no paper trail.
Jan 2, 2018, 9:28 pm
#17
Join Date: May 2011
Posts: 889
2017 Shutdown Thread
2018 Shutdown Thread
One thing many shutdowns have in common is use of WMBP to pay off CCs. Banks don't like too many accounts being used to pay accounts, especially when they are anonymous, and often respond by closing accounts and not accepting future apps.
Fortunately my small town CU doesn't care about depositing MOs at all.
2018 Shutdown Thread
One thing many shutdowns have in common is use of WMBP to pay off CCs. Banks don't like too many accounts being used to pay accounts, especially when they are anonymous, and often respond by closing accounts and not accepting future apps.
Fortunately my small town CU doesn't care about depositing MOs at all.
Jan 3, 2018, 9:24 am
#18
Join Date: Oct 2017
Programs: Lots
Posts: 320
BAU doing 4 swipes for 2 MOs.
Jan 3, 2018, 3:09 pm
#19
Join Date: Nov 2006
Location: So.FL
Programs: AA Platinum Jet Blue Mosaic
Posts: 106
DP: South Florida WM today. Received a money order for $1,000. Three swipes of $200 META's and $400 in cash.
The MO had "GIFT CERTIFICATE" printed to the left of the pink validation mark.
Has anyone encountered any difficulties with depositing (or cashing) these critters?
Wonder if this 'legend" is on every MO or only on MO's purchased with GC ?
Anyone?
The MO had "GIFT CERTIFICATE" printed to the left of the pink validation mark.
Has anyone encountered any difficulties with depositing (or cashing) these critters?
Wonder if this 'legend" is on every MO or only on MO's purchased with GC ?
Anyone?
Jan 3, 2018, 4:10 pm
#20
Join Date: May 2003
Location: N/A
Posts: 403
NO problem depositing into my CU. Never cashed it before so no DP from me.
Jan 3, 2018, 6:43 pm
#21
Join Date: Dec 2004
Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
Posts: 4,431
DP: South Florida WM today. Received a money order for $1,000. Three swipes of $200 META's and $400 in cash.
The MO had "GIFT CERTIFICATE" printed to the left of the pink validation mark.
Has anyone encountered any difficulties with depositing (or cashing) these critters?
Wonder if this 'legend" is on every MO or only on MO's purchased with GC ?
Anyone?
The MO had "GIFT CERTIFICATE" printed to the left of the pink validation mark.
Has anyone encountered any difficulties with depositing (or cashing) these critters?
Wonder if this 'legend" is on every MO or only on MO's purchased with GC ?
Anyone?
Jan 3, 2018, 11:45 pm
#22
Join Date: Nov 2017
Posts: 5
Got 2k in Texas no problem.
also did 1k on serve onevip
also did 1k on serve onevip
Jan 4, 2018, 9:14 am
#23
Join Date: Jun 2014
Location: PSC
Programs: Hilton Diamond/IHG Platinum/DL Plutononium
Posts: 1,728
Do you think the printing of "Gift Card" on the MOs are just so they can track how much of their MO volume is with Gift Cards? That would be my guess.
Jan 4, 2018, 9:29 am
#24
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
No change in Northern Los Angeles today at my favorite WMNM. I only buy 1x MO at a time for $499, so this DP might not be complete if some WMs are requiring additional info beyond $750 (?) or more than 1x swipe. Also nothing about gift certificate printed on the MO.
ive just been sticking to 1 or 2 swipes because the lines at the MC are fairly long these days.
Jan 4, 2018, 10:35 am
#25
Join Date: Sep 2015
Programs: SPG Plat, SWA Companion Pass, United Silver
Posts: 186
Normal morning at my local WMNW. No mention of GC on the MO. Has anyone in a region with the new MO system tried buying an MO with a bank DC to see if GC is printed out on the MO?
Jan 4, 2018, 11:27 am
#26
Join Date: Sep 2014
Posts: 1,837
I thought someone on the 2017 thread mentioned that it doesnt matter what debit was used, it printed the GC on the MO
Jan 4, 2018, 6:52 pm
#27
Join Date: Apr 2011
Location: Colorado
Programs: Alaska, Shell VC, Wyndham VC, Starwood, RCI, II--I bought it on eBay!
Posts: 159
Went today and bought MO's with VGC's from Staples, $300 X 3 swipes. Got four $899.30 money orders between the two of us. No problems at the Walmart Neighborhood Market. Love that store.
Last edited by cheaptimesharetraveler; Jan 6, 2018 at 2:22 pm
Jan 4, 2018, 9:28 pm
#28
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
One of my two local WM's switched to the new system today. It was actually a positive. They used to keep a handwritten log of MO's sold, which they don't do anymore. Also, they don't seem to need to enter the last 4 digits of the MO into the terminal anymore.
I haven't tried to deposit them yet, but I can't imagine that will be an issue. Selling MO's that people can't deposit in a bank would make them useless. But yes, why they say "Gift Certificate" is curious.
I haven't tried to deposit them yet, but I can't imagine that will be an issue. Selling MO's that people can't deposit in a bank would make them useless. But yes, why they say "Gift Certificate" is curious.
Jan 4, 2018, 11:06 pm
#29
Join Date: Jun 2015
Posts: 1,727
2017 Shutdown Thread
2018 Shutdown Thread
One thing many shutdowns have in common is use of WMBP to pay off CCs. Banks don't like too many accounts being used to pay accounts, especially when they are anonymous, and often respond by closing accounts and not accepting future apps.
Fortunately my small town CU doesn't care about depositing MOs at all.
2018 Shutdown Thread
One thing many shutdowns have in common is use of WMBP to pay off CCs. Banks don't like too many accounts being used to pay accounts, especially when they are anonymous, and often respond by closing accounts and not accepting future apps.
Fortunately my small town CU doesn't care about depositing MOs at all.
Jan 5, 2018, 12:53 pm
#30
Join Date: Dec 2013
Posts: 3,504
One of my two local WM's switched to the new system today. It was actually a positive. They used to keep a handwritten log of MO's sold, which they don't do anymore. Also, they don't seem to need to enter the last 4 digits of the MO into the terminal anymore.
I haven't tried to deposit them yet, but I can't imagine that will be an issue. Selling MO's that people can't deposit in a bank would make them useless. But yes, why they say "Gift Certificate" is curious.
I haven't tried to deposit them yet, but I can't imagine that will be an issue. Selling MO's that people can't deposit in a bank would make them useless. But yes, why they say "Gift Certificate" is curious.