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)
Oct 13, 2018, 1:56 pm
#1651
Join Date: Dec 2004
Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
Posts: 4,431
My WM only allows 4 swipes, up to 2k, total and I doubt they will change. I don’t think they even read memos at the store.
Oct 13, 2018, 2:20 pm
#1652
Join Date: Jul 2014
Posts: 3,688
I'm sure the $8K allowed per day has to be done in ONE transaction, not up to 4 to accommodate MSers 4 swipes of $500s. Maybe we'll see the new norm of MO orders will be $999.88 or less? LOL
Oct 13, 2018, 2:26 pm
#1653
Join Date: Jul 2014
Posts: 3,688
If software update occurs nationwide, that means all stores will be affected even if store management does not read the memo.
Oct 13, 2018, 3:25 pm
#1654
Join Date: Aug 2009
Posts: 662
If it's true that register will prompt eMSAR for $1K MO, cashiers may be surprised if eMSAR screen prompts them to ask for ID and key in SSN for each $1K MO.
If software update occurs nationwide, that means all stores will be affected even if store management does not read the memo.
If software update occurs nationwide, that means all stores will be affected even if store management does not read the memo.
Oct 13, 2018, 5:43 pm
#1657
Join Date: May 2011
Posts: 889
Sweet dear Lord baby Jesus.
Oct 13, 2018, 5:57 pm
#1658
Join Date: Jun 2001
Posts: 782
My friendly WM CSR confirms the 8k per day limit in one transaction and anything over 3k will require SSN.
Oct 13, 2018, 6:03 pm
#1659
Join Date: May 2015
Posts: 1,066
Not 50kpd routinely?!?!? Simply getting 100 x 500 gcs and the home paperwork to track everything and ensure no losses would be impossible to do together with liquidation inside a day?!?! They must be "saving it up" for a week or so and then liquidate on a once a week run.
Sweet dear Lord baby Jesus.
Sweet dear Lord baby Jesus.
I can say though that if there truely is some sort of hardcoding coming it would definitely change things for a majority of us. Will be interested to see the reports come rolling in this week.
Oct 13, 2018, 6:05 pm
#1660
Join Date: May 2015
Posts: 1,066
But, isn't the over 3k requiring a SSN standard already. Only once ever had to provide that and that was due to getting a MG refund and deciding it would be more prudent to walk out with MOs instead of cash.
Oct 13, 2018, 6:32 pm
#1661
Join Date: Oct 2013
Posts: 1,322
Tried to follow the above convo, but I gave up. Personally, what I'd like to know is if/how supposed new policy affects the following:
Buying 2 MOs for $999.12, paying with 4x $500 GCs.
Buying 2 MOs for $999.12, paying with 4x $500 GCs.
Oct 13, 2018, 8:10 pm
#1663
Join Date: Oct 2010
Location: DFW
Posts: 683
I find most of the time people exaggerate when they reference others and their perceived volume. I know others that have referenced me doing 3x my normal volume so way off. I definitely wouldn't consider myself a whale though I've been referred to as one.
I can say though that if there truely is some sort of hardcoding coming it would definitely change things for a majority of us. Will be interested to see the reports come rolling in this week.
I can say though that if there truely is some sort of hardcoding coming it would definitely change things for a majority of us. Will be interested to see the reports come rolling in this week.
Oct 13, 2018, 10:14 pm
#1664
Join Date: May 2016
Posts: 506
In the past all policies were enforced by management of a particular store. If there was an issue you would simply go to a different store with a more lenient manager. Now everything will be hard coded across all stores. There won't be any way to bypass the policy. And they might tighten the policy even further in the future with a simple system update.
Oct 13, 2018, 10:20 pm
#1665
Join Date: Sep 2015
Posts: 305
I guess we'll have to wait until October 16 to see if that's nationwide or store-specific