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 30, 2018, 6:24 pm
#1786
Join Date: Sep 2014
Posts: 1,837
That cashier decided to do the eMSAR on you on her own. That is the exact same experience I had trying to get some MOs in LAS back in June. One of the WMs I hit took an unusual amount of time to get to the screen she wanted, then started asking for all this info. Once she got to the SSN part I said no chance.
She tried to convince me in a nice way they don't do anything with the SSN!
I'll do 2 BPs like I normally do instead of doing 1 BP and 1 MO. It's hard to gauge these CSRs what they will allow!
Oct 31, 2018, 9:16 am
#1787
Join Date: Jul 2006
Posts: 333
Went to my regular WM this morning, very friendly CSRs that know me, did a two swipe $1000 MO. She was surprised that when she was prompted for ID, she said hmmm that's new it only did that for over $3000 before. Handed her my DL which she had to enter name and address, no SSN. Took a while for her to manually enter info. I usually stop early in the morning after dropping off my wife so no line or back up, but I don't think they will be thrilled about the extra time.
Oct 31, 2018, 9:35 am
#1788
Join Date: May 2015
Posts: 1,066
Went to my regular WM this morning, very friendly CSRs that know me, did a two swipe $1000 MO. She was surprised that when she was prompted for ID, she said hmmm that's new it only did that for over $3000 before. Handed her my DL which she had to enter name and address, no SSN. Took a while for her to manually enter info. I usually stop early in the morning after dropping off my wife so no line or back up, but I don't think they will be thrilled about the extra time.
Oct 31, 2018, 11:07 am
#1789
Join Date: Oct 2013
Posts: 483
Went to my regular WM this morning, very friendly CSRs that know me, did a two swipe $1000 MO. She was surprised that when she was prompted for ID, she said hmmm that's new it only did that for over $3000 before. Handed her my DL which she had to enter name and address, no SSN. Took a while for her to manually enter info. I usually stop early in the morning after dropping off my wife so no line or back up, but I don't think they will be thrilled about the extra time.
Last edited by Travelz; Nov 1, 2018 at 5:17 am
Oct 31, 2018, 12:10 pm
#1790
Join Date: Sep 2015
Posts: 305
would help if people mention location, at least state where it happens
Oct 31, 2018, 12:32 pm
#1791
Join Date: Jul 2014
Posts: 3,688
associates can initiate eMSAR regardless of the amount, nothing we can do about it. it's futile to call them out about policy and argue with them because you'll just likely burn such store because if you tick them off, they can and possibly will report you to management for suspicious activity by coming back regularly for MOs and doing multiple swipes. meanwhile, you have the right to cancel a transaction if asked for IDs. it is best to lay low and just come back when a friendly associate is on duty.
Oct 31, 2018, 1:16 pm
#1792
Join Date: Oct 2012
Location: BOS, PVD
Programs: SPG Gold, Hyatt Pt, CBP Global Entry
Posts: 96
I did the same today in MA and she did ask for an ID for name and address. I think this is requirement by moneygram for tracking. Now your name and address are printed on the small receipt.
Oct 31, 2018, 2:49 pm
#1793
Join Date: Jul 2006
Posts: 333
Went to my regular WM this morning, very friendly CSRs that know me, did a two swipe $1000 MO. She was surprised that when she was prompted for ID, she said hmmm that's new it only did that for over $3000 before. Handed her my DL which she had to enter name and address, no SSN. Took a while for her to manually enter info. I usually stop early in the morning after dropping off my wife so no line or back up, but I don't think they will be thrilled about the extra time.
Northern NY State
Northern NY State
Last edited by Adirondacker; Oct 31, 2018 at 2:50 pm Reason: added original
Oct 31, 2018, 3:11 pm
#1794
Join Date: Sep 2014
Posts: 1,837
you must've gotten one of those overzealous associates; now you know the one(s) to avoid ; )
associates can initiate eMSAR regardless of the amount, nothing we can do about it. it's futile to call them out about policy and argue with them because you'll just likely burn such store because if you tick them off, they can and possibly will report you to management for suspicious activity by coming back regularly for MOs and doing multiple swipes. meanwhile, you have the right to cancel a transaction if asked for IDs. it is best to lay low and just come back when a friendly associate is on duty.
associates can initiate eMSAR regardless of the amount, nothing we can do about it. it's futile to call them out about policy and argue with them because you'll just likely burn such store because if you tick them off, they can and possibly will report you to management for suspicious activity by coming back regularly for MOs and doing multiple swipes. meanwhile, you have the right to cancel a transaction if asked for IDs. it is best to lay low and just come back when a friendly associate is on duty.
Oct 31, 2018, 5:11 pm
#1795
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
asking for ID w/o needing SSN is new.....seems to be the "know your customer" thing mentioned in the memo.
Oct 31, 2018, 7:45 pm
#1796
Join Date: Oct 2017
Posts: 28
I just bought $8k in MO from a friendly cashier and she had to manually enter ID for each transaction. What a terrible idea.
Oct 31, 2018, 8:18 pm
#1797
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
That just happened to me this evening. They took my info from my Driver's license but never asked for SSN. Maybe they only get SSN if you do $3k within 24 hours?
Last edited by ChrisFlyer66; Oct 31, 2018 at 8:27 pm
Oct 31, 2018, 8:52 pm
#1798
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
my understanding is this ID/no SSN thing is due to KYC (know your customer) on the Memo. old ID/SSN is independent process. not sure if the new ID/no SSN will replace old ID/SSN or both will exist. need more DPs.
Oct 31, 2018, 8:54 pm
#1799
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Oct 31, 2018, 9:10 pm
#1800
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
I think if it is $999.99 or less then no ID is needed.. If the cashier is willing to do it, then theoretically I would assume you could do unlimiited transactions with no ID.