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)
Sep 5, 2018, 2:58 am
#1486
Join Date: Jan 2016
Posts: 369
Swiped a WMGDGC and got a read error, screen said to retry. Same thing. Wiped the mag strip with my shirt, same thing. Cashier wanted to try on her side, but I said it had been glitchin’ and I would check with the bank. Funds on the card.
Now what ?
Now what ?
Sep 5, 2018, 4:54 am
#1487
Join Date: Apr 2005
Location: NYC
Posts: 1,756
2. swipe with the card wrapped in WM plastic bag
3. call GD for a replacement card.
Sep 5, 2018, 9:56 am
#1488
Join Date: May 2011
Posts: 889
Attempt swiping with magstrip towards other side (right instead of left or vice versa)
Sep 5, 2018, 4:32 pm
#1489
Join Date: Dec 2013
Posts: 506
I once got two cards from GCM that would not swipe anywhere. Guess they never encoded the magstripes properly. Called them for replacement. Try to swipe at a vending machine, and if that doesn't work I would just call GD
Sep 8, 2018, 9:47 am
#1490
Join Date: Oct 2013
Posts: 483
BAU at a few 4 swipe stores that only allow one trans with MCGC. We don't go to the one swipe stores that are closer. We have a good MS circle run that is about 40 miles round trip and still worth the effort as long as we get the cards cheap.
Sep 10, 2018, 6:14 pm
#1491
Join Date: Apr 2018
Posts: 27
Hoping someone can help me understand what went right, so I can do it again.
I went to WMT to liquidate some Office Depot MCGC for the firs time. I tried to implement what the wiki says. "Swipe first, then hit cancel, change to debit, and then have the CSR enter the amount". Turns out that didn't work for me. Without an amount, the swipe ended in an error. I did let the CSR know that I needed to swipe first, but we both knew that didnt work the first time. She then said: "let me enter the amount" so she did, I swiped, hit cancel, change to debit, and this time it worked.
At the end of the transaction I asked her what she had done differently, and her response was: "I just didnt hit "card" until you had changed to debit"
Is that correct? Does someone know the system to be able to confirm that is what she did on her end? Did I misheard her and maybe she said something else?
Ultimately, the takeaway for me was to let the CSR enter the amount, but not continue to the next step (whatever that step is). I then swipe and change to debit, and then they can press the screen on their end.
Oh btw, it was a single MO with two MCGC swipes. So no need to just do it on the last one. It does work for all of them, just trying to figure out what actually happened.
Any idea what that was?
Thanks
I went to WMT to liquidate some Office Depot MCGC for the firs time. I tried to implement what the wiki says. "Swipe first, then hit cancel, change to debit, and then have the CSR enter the amount". Turns out that didn't work for me. Without an amount, the swipe ended in an error. I did let the CSR know that I needed to swipe first, but we both knew that didnt work the first time. She then said: "let me enter the amount" so she did, I swiped, hit cancel, change to debit, and this time it worked.
At the end of the transaction I asked her what she had done differently, and her response was: "I just didnt hit "card" until you had changed to debit"
Is that correct? Does someone know the system to be able to confirm that is what she did on her end? Did I misheard her and maybe she said something else?
Ultimately, the takeaway for me was to let the CSR enter the amount, but not continue to the next step (whatever that step is). I then swipe and change to debit, and then they can press the screen on their end.
Oh btw, it was a single MO with two MCGC swipes. So no need to just do it on the last one. It does work for all of them, just trying to figure out what actually happened.
Any idea what that was?
Thanks
Sep 10, 2018, 7:10 pm
#1492
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Hoping someone can help me understand what went right, so I can do it again.
I went to WMT to liquidate some Office Depot MCGC for the firs time. I tried to implement what the wiki says. "Swipe first, then hit cancel, change to debit, and then have the CSR enter the amount". Turns out that didn't work for me. Without an amount, the swipe ended in an error. I did let the CSR know that I needed to swipe first, but we both knew that didnt work the first time. She then said: "let me enter the amount" so she did, I swiped, hit cancel, change to debit, and this time it worked.
At the end of the transaction I asked her what she had done differently, and her response was: "I just didnt hit "card" until you had changed to debit"
Is that correct? Does someone know the system to be able to confirm that is what she did on her end? Did I misheard her and maybe she said something else?
Ultimately, the takeaway for me was to let the CSR enter the amount, but not continue to the next step (whatever that step is). I then swipe and change to debit, and then they can press the screen on their end.
Oh btw, it was a single MO with two MCGC swipes. So no need to just do it on the last one. It does work for all of them, just trying to figure out what actually happened.
Any idea what that was?
Thanks
I went to WMT to liquidate some Office Depot MCGC for the firs time. I tried to implement what the wiki says. "Swipe first, then hit cancel, change to debit, and then have the CSR enter the amount". Turns out that didn't work for me. Without an amount, the swipe ended in an error. I did let the CSR know that I needed to swipe first, but we both knew that didnt work the first time. She then said: "let me enter the amount" so she did, I swiped, hit cancel, change to debit, and this time it worked.
At the end of the transaction I asked her what she had done differently, and her response was: "I just didnt hit "card" until you had changed to debit"
Is that correct? Does someone know the system to be able to confirm that is what she did on her end? Did I misheard her and maybe she said something else?
Ultimately, the takeaway for me was to let the CSR enter the amount, but not continue to the next step (whatever that step is). I then swipe and change to debit, and then they can press the screen on their end.
Oh btw, it was a single MO with two MCGC swipes. So no need to just do it on the last one. It does work for all of them, just trying to figure out what actually happened.
Any idea what that was?
Thanks
Sep 10, 2018, 7:29 pm
#1493
Join Date: Apr 2018
Posts: 27
Thanks. So you dont tell the CSR to not hit the last key, you just swipe as soon as you tell them the amount, hoping you catch that on time?
Sep 10, 2018, 7:56 pm
#1494
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Sep 11, 2018, 6:52 pm
#1495
Join Date: Oct 2017
Posts: 28
BAU at secondary & tertiary WMs today. However, my primary WM asked for my ID so they could fill in info on their screen, ask occupation, etc. I then had to input my SSN into the keypad. He told me when he asked for my ID that the limit had changed. I asked what the limit was and he said it's now $2k. This was a totally friendly cashier who has never given me any trouble. What did I just fill out? Why did I fill it out? Why was this WM different than the other ones? Will I keep having to fill it out if they already have my info? Does MG receive the info?
Sep 11, 2018, 8:22 pm
#1496
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
BAU at secondary & tertiary WMs today. However, my primary WM asked for my ID so they could fill in info on their screen, ask occupation, etc. I then had to input my SSN into the keypad. He told me when he asked for my ID that the limit had changed. I asked what the limit was and he said it's now $2k. This was a totally friendly cashier who has never given me any trouble. What did I just fill out? Why did I fill it out? Why was this WM different than the other ones? Will I keep having to fill it out if they already have my info? Does MG receive the info?
Sep 11, 2018, 9:07 pm
#1497
Join Date: May 2011
Posts: 889
BAU at secondary & tertiary WMs today. However, my primary WM asked for my ID so they could fill in info on their screen, ask occupation, etc. I then had to input my SSN into the keypad. He told me when he asked for my ID that the limit had changed. I asked what the limit was and he said it's now $2k. This was a totally friendly cashier who has never given me any trouble. What did I just fill out? Why did I fill it out? Why was this WM different than the other ones? Will I keep having to fill it out if they already have my info? Does MG receive the info?
Sep 11, 2018, 10:00 pm
#1498
Join Date: Apr 2011
Location: MSP
Programs: DL, BA, AA
Posts: 270
BAU at secondary & tertiary WMs today. However, my primary WM asked for my ID so they could fill in info on their screen, ask occupation, etc. I then had to input my SSN into the keypad. He told me when he asked for my ID that the limit had changed. I asked what the limit was and he said it's now $2k. This was a totally friendly cashier who has never given me any trouble. What did I just fill out? Why did I fill it out? Why was this WM different than the other ones? Will I keep having to fill it out if they already have my info? Does MG receive the info?
Sep 12, 2018, 12:02 pm
#1499
Join Date: Jul 2009
Location: FL
Programs: BA, AA, DA, UA, CO
Posts: 212
Just got back from a new to me WM in my area. First bought one MO with VGC from GCMall for 999.12 splitting the payment on two cards.
Then, since I had one more card for $500, I asked for a second MO for 499.12, and she said only one transaction is allowed as per WM policy as that would be called Structuring. I call that BS but walked politely.
Always being buying two MO at a time at another WM.
Then, since I had one more card for $500, I asked for a second MO for 499.12, and she said only one transaction is allowed as per WM policy as that would be called Structuring. I call that BS but walked politely.
Always being buying two MO at a time at another WM.
Sep 12, 2018, 12:47 pm
#1500
Join Date: Feb 2016
Location: Northeastern United States
Posts: 597
Just got back from a new to me WM in my area. First bought one MO with VGC from GCMall for 999.12 splitting the payment on two cards.
Then, since I had one more card for $500, I asked for a second MO for 499.12, and she said only one transaction is allowed as per WM policy as that would be called Structuring. I call that BS but walked politely.
Always being buying two MO at a time at another WM.
Then, since I had one more card for $500, I asked for a second MO for 499.12, and she said only one transaction is allowed as per WM policy as that would be called Structuring. I call that BS but walked politely.
Always being buying two MO at a time at another WM.