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 20, 2018, 8:34 am
#1531
Join Date: Oct 2013
Posts: 1,322
My primary WM has lowered their reporting threshold to $2k. Now everytime I do a batch, they fill out their digital form and I input my SSN. F*** extremely annoying. I'm worried this is going to lead to MG blacklisting me. If it's all digital and tied to SSN, what's to keep them from monitoring my activity directly and laying down the ban hammer? Secondary and tertiary WMs have not instituted this.
Sep 20, 2018, 12:05 pm
#1532
Join Date: Oct 2010
Location: DFW
Posts: 684
They are saying that they are doing $2k and WM is requiring the form. Same thing at two of my local WM's (out of about 10). I just avoid those two now. The form is actually triggered by split payment according to the CSM I talked to, regardless of total. $399.32 split on two $200 cards will trigger the form if what that CSM said is correct.
Sep 20, 2018, 12:12 pm
#1533
Join Date: Oct 2017
Posts: 28
They are saying that they are doing $2k and WM is requiring the form. Same thing at two of my local WM's (out of about 10). I just avoid those two now. The form is actually triggered by split payment according to the CSM I talked to, regardless of total. $399.32 split on two $200 cards will trigger the form if what that CSM said is correct.
Sep 20, 2018, 12:14 pm
#1534
Join Date: Oct 2017
Posts: 28
I will just continue plowing ahead then. I've never done more than $2k at this store as they already consider me a criminal/scammer and asking for more than $2k would be tantamount to asking them to move mountains.
Sep 20, 2018, 12:22 pm
#1535
Join Date: May 2011
Posts: 889
With some luck, this shall pass for you too.
Sep 20, 2018, 12:23 pm
#1536
Join Date: May 2011
Posts: 889
Be nice and polite, make some small talk, make yourself a known customer. Social skills are tremendously useful in the MS game.
Sep 20, 2018, 12:50 pm
#1537
Join Date: Oct 2010
Location: DFW
Posts: 684
When my WM became a 2K pp per day store a bunch of CSRs liked to do eMSARs as my activity was "suspicious". They quickly decided I wasn't. It's not mandated by the system. I had one overzealous CSR who liked to do the eMSAR for 2K for a while longer. Eventually he got tired of it too. It takes 10-15 minutes depending on how good the CSR is.
With some luck, this shall pass for you too.
With some luck, this shall pass for you too.
Sep 20, 2018, 2:17 pm
#1538
Join Date: Jun 2015
Posts: 1,727
Which banks DC thats attached to a checking acct will work as a CC and not DC and no need to input your pin when doing a transaction. The banks Ive banked at their DC works as a DC only, while a GC usually works as a CC and no need to input the pin eg at a supermkt checkout, thats w/o me making a choice which way I want it to be used, its automatic
Sep 20, 2018, 8:29 pm
#1541
Join Date: Oct 2017
Posts: 28
When my WM became a 2K pp per day store a bunch of CSRs liked to do eMSARs as my activity was "suspicious". They quickly decided I wasn't. It's not mandated by the system. I had one overzealous CSR who liked to do the eMSAR for 2K for a while longer. Eventually he got tired of it too. It takes 10-15 minutes depending on how good the CSR is.
With some luck, this shall pass for you too.
With some luck, this shall pass for you too.
I'm aware. While fairly non-social and introverted normally, I try my best when MSing. I have excellent rapport with most of the CSRs which has allowed me to push what I consider to be a respectable amount of volume over the past couple of years. It's just mostly two witchy yellow vests that are convinced I'm a criminal. No amount of smiling and small talk is going to change their minds. I'm sure everyone here knows the type.
Sep 20, 2018, 10:56 pm
#1543
Join Date: Jan 2014
Location: SFO
Programs: OZ Diamond/*G, IHG Diamond Amb, Hilton Gold
Posts: 2,239
I had a thought today after a WM cashier refused my VGC for buying an MO. Putting a UnionPay sticker on my Discover card in China worked wonders for getting merchants to accept it, so I thought what I we stuck an sticker on top of the VGC with a debit card looking design and our name on the card. Would they look closely enough at the card to realize that there's a sticker attached?
Sep 21, 2018, 1:00 pm
#1544
Join Date: Apr 2018
Posts: 27
Hey guys, when you buy MOs do you always leave some change in your cards to create "random" MOs balances? I've read in several blogs what people do with the cents that are "always" left in their cards. I am a bit confused, bc the only way to have those cents left is if you purposely request odd amounts. But why? Does it really make a difference when you are depositing several 1K MOs at a bank vs several 99X.XX MOs? From a suspicious activity standpoint, even amounts or odd amounts will seem suspicious based on the frequency of deposits.
Also, when depositing do you spread the MOs across several banks, or just use a single bank? Have you ever had to answer a call from your Bank asking about why so many MOs? Any suggestions as to what to respond?
Thoughts?
Also, when depositing do you spread the MOs across several banks, or just use a single bank? Have you ever had to answer a call from your Bank asking about why so many MOs? Any suggestions as to what to respond?
Thoughts?
Last edited by Carlos_OL; Sep 21, 2018 at 1:02 pm Reason: added extra question
Sep 21, 2018, 1:04 pm
#1545
Join Date: Oct 2010
Location: DFW
Posts: 684
Hey guys, when you buy MOs do you always leave some change in your cards to create "random" MOs balances? I've read in several blogs what people do with the cents that are "always" left in their cards. I am a bit confused, bc the only way to have those cents left is if you purposely request odd amounts. But why? Does it really make a difference when you are depositing several 1K MOs at a bank vs several 99X.XX MOs? From a suspicious activity standpoint, even amounts or odd amounts will seem suspicious based on the frequency of deposits.
Thoughts?
Thoughts?