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)
Apr 23, 2018, 2:29 pm
#736
Join Date: Aug 2017
Posts: 106
Not buying MO but was trying to load serve in WM NM.
Got the debit not authorized slip that gets printed when there is an error in transaction.
Tried 3 times with different gebits, 2 were from giftcards.com (meta visa) and 1 was a GD visa.
Not sure if it's the local WM issue or something else. The gebit balance is intact. Anyone have a similar issue today?
Got the debit not authorized slip that gets printed when there is an error in transaction.
Tried 3 times with different gebits, 2 were from giftcards.com (meta visa) and 1 was a GD visa.
Not sure if it's the local WM issue or something else. The gebit balance is intact. Anyone have a similar issue today?
Apr 23, 2018, 3:36 pm
#737
Join Date: Dec 2004
Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
Posts: 4,432
Please tell me where the WM is that has employees that say, “Thank you. Have a nice day. Please come again”. That would be Utopia. I hope you realize how lucky you are.
Apr 23, 2018, 8:23 pm
#738
Join Date: Oct 2011
Posts: 4,166
Not buying MO but was trying to load serve in WM NM.
Got the debit not authorized slip that gets printed when there is an error in transaction.
Tried 3 times with different gebits, 2 were from giftcards.com (meta visa) and 1 was a GD visa.
Not sure if it's the local WM issue or something else. The gebit balance is intact. Anyone have a similar issue today?
Got the debit not authorized slip that gets printed when there is an error in transaction.
Tried 3 times with different gebits, 2 were from giftcards.com (meta visa) and 1 was a GD visa.
Not sure if it's the local WM issue or something else. The gebit balance is intact. Anyone have a similar issue today?
Apr 24, 2018, 6:20 am
#740
Join Date: Mar 2016
Posts: 31
BAU upstate NY, did get double beep for first time tho. 4 swipes, 500x3, 495.
Apr 24, 2018, 7:41 am
#741
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
Went to my go-to WM here in SAN yesterday. This store has been friendly for years. CSR told me that "after next week" they will no longer allow split tender on MO transactions. She said this was because it is "structuring." I asked if this was a local decision or corporate, and she offered that they have had a new manager since about December and he is now implementing new policies.
Apr 24, 2018, 4:45 pm
#743
Join Date: Sep 2015
Posts: 47
Went to my go-to WM here in SAN yesterday. This store has been friendly for years. CSR told me that "after next week" they will no longer allow split tender on MO transactions. She said this was because it is "structuring." I asked if this was a local decision or corporate, and she offered that they have had a new manager since about December and he is now implementing new policies.
Which one in SAN? I heard no such thing today from my go to WM
Apr 24, 2018, 5:15 pm
#744
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
At my usual go-to WM, it was BAU with 4 swipes @ $500 each, and on 2 of the swipes, the terminal beeped twice, but on the other swipes, it only beeped once.
However, at my local Vons, there are signs at each register that state:
However, at my local Vons, there are signs at each register that state:
Effective Immediately:
You cannot use a Vons/Safeway Gift Card to purchase another Gift Card. You can only use cash, debit or credit (with valid ID).
You cannot use a Vons/Safeway Gift Card to purchase another Gift Card. You can only use cash, debit or credit (with valid ID).
Apr 24, 2018, 8:52 pm
#745
Join Date: Oct 2009
Location: EUG BKK
Programs: Zero Status Nexus
Posts: 432
Tried the usual 4 swipe method tonight and the transaction failed on the 1st swipe. She gave me this 877-784-3202 number (MoneyGram) to call to clear my name. Well, my name isn't on the Gebit card and the rep doesn't know my name. Wonder if the split tender policy is now in effect.
Update: My VGC's worked at another WM location. I suspect the CR made an error.
Update: My VGC's worked at another WM location. I suspect the CR made an error.
Last edited by JetSetDave; Apr 26, 2018 at 6:15 am Reason: Update
Apr 24, 2018, 9:15 pm
#746
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
I'm back in the US Midwest for a bit so I tried a little MSing. I went to my regular stores and all of them accepted GCs -- $2K max except for one which still allows $3K. One that had gone down to $1K max now allows $2K again.
One store with a familiar cashier allowed $2K the first time, but the next day another familiar cashier asked for my DL, typed all the information in, then asked me to key in my SS on the card reader. I refused, and she refused to allow me to use the GCs, claiming I needed to submit the info every time. I believe she's misunderstanding the directive, because she was basically filling out the form they used to use for over-$2K purchases, just electronically.
I don't care, though -- the cashier at a nearby store who, four years ago, let me buy as many MOs as I wanted but soon after moved to Chicago is now back and allowing me to do as many as I like as long as there's no line. So I've been going there the last two days and loving it. She's not always there, but when she is I can get rid of all my Simon cards.
So no trouble in the Midwest to speak of.
One store with a familiar cashier allowed $2K the first time, but the next day another familiar cashier asked for my DL, typed all the information in, then asked me to key in my SS on the card reader. I refused, and she refused to allow me to use the GCs, claiming I needed to submit the info every time. I believe she's misunderstanding the directive, because she was basically filling out the form they used to use for over-$2K purchases, just electronically.
I don't care, though -- the cashier at a nearby store who, four years ago, let me buy as many MOs as I wanted but soon after moved to Chicago is now back and allowing me to do as many as I like as long as there's no line. So I've been going there the last two days and loving it. She's not always there, but when she is I can get rid of all my Simon cards.
So no trouble in the Midwest to speak of.
Apr 25, 2018, 6:52 am
#747
Join Date: Jan 2005
Location: NJ
Programs: World of Hyatt Globalist, Marriott Premier Platinum
Posts: 462
What's the right way to buy MO using mastercard? I tell the Walmart employee the amount and then swipe, then I hit change payment. However, I only have about 50% success since if I don't hit change payment button fast enough, the transaction turned into credit and got declined. Should I hit cancel first?
Apr 25, 2018, 7:01 am
#748
Join Date: Nov 2011
Posts: 766
Don't let the rep hit enter before you change payment. That is the issue.
Apr 25, 2018, 7:11 am
#749
Join Date: Jan 2005
Location: NJ
Programs: World of Hyatt Globalist, Marriott Premier Platinum
Posts: 462
Apr 25, 2018, 7:49 am
#750
Join Date: Sep 2014
Posts: 1,837
at my location, I ask if I can swipe first before they enter amount.
Some ask before I even tell them
Some ask before I even tell them