Buying Money Orders at Walmart (2018)

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Old Jun 12, 18, 11:11 am   -   Wikipost
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This is the thread for 2018. The previous discussion can be found here.

New to MO: Read the Wiki and all posts for some tips before asking common questions. It is best to know what you are doing before you try.


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All WM registers allow 4 debit swipes per transaction, but YMMV per store and cashier. Refer to cards as debit.

-Visas issued by MetaBank work great.
-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.
  • The cashier should not enter the amount first.
  • Let the CSR know you need to swipe first and switch the payment type to debit.
  • Swipe and hit "Cancel" or "Change Payment" to select "Debit" on the screen, enter the pin and have them enter the amount.
-Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes > $49.99.

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MO purchase with 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.

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.

1K MO fee is usually 88 cents each. Subtract fee from your total or pay in cash. Can buy two 1K MO in one transaction with 4 swipes. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart.


Start slow and buy one MO to see how it works. Your store or cashier may have rules that other stores do not have.

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.


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.




Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
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Old Jan 1, 18, 10:01 am
  #1  
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Buying Money Orders at Walmart (2018)

Any changes to the Walmart system? New year kicked in.
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Old Jan 1, 18, 10:07 am
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Just left a store, bought 2k of MO and nothing has changed.

Originally Posted by Gitangali View Post
Any changes to the Walmart system? New year kicked in.
Just left a store, bought 2k of MO and nothing has changed.
shipitkthx likes this.

Last edited by ChrisFlyer66; Jan 1, 18 at 10:52 am
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Old Jan 1, 18, 6:32 pm
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Join Date: Oct 2017
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Visited two stores today. I bought $2k at each and nothing changed.

Lots of reports of the new system requiring a signature and printing out MO with the gift certificate label. Although the nature of the "gift certificate" remains in dispute, this seems to be fine and hopefully not going to cause problems going forward.

Can anyone corroborate the report of having to input personal information for anything over $750 and WM subsequently limiting individuals to one MO per day. This would be a killer. Curse the gods if it comes to this.
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Old Jan 1, 18, 8:11 pm
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So, not all wally have the new system yet?
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Old Jan 1, 18, 11:08 pm
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Nothing has changed at the WM's that I patronize.
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Old Jan 2, 18, 7:29 am
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I will be heading out there this afternoon and come back with DPs
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Old Jan 2, 18, 8:15 am
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I bought 2 batches of $2K each yesterday. Have not seen any change, no signature required , doesn't say gift voucher etc. It seems like the new printing paper will have this gift voucher on it. So if you are not seeing that, your WM may still be using old paper??

Last edited by Gitangali; Jan 2, 18 at 8:24 am
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Old Jan 2, 18, 9:07 am
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No changes at my go to store. printing same as always - money order - WM.
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Old Jan 2, 18, 9:18 am
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Originally Posted by Gitangali View Post
I bought 2 batches of $2K each yesterday. Have not seen any change, no signature required , doesn't say gift voucher etc. It seems like the new printing paper will have this gift voucher on it. So if you are not seeing that, your WM may still be using old paper??
I've been to one where I didn't get the "Gift Certificate" printed on the MO and I still had to sign a little slip.

It may be that some still have their older hardware but have switched to the new software.
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Old Jan 2, 18, 9:36 am
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Originally Posted by makelab View Post
No changes at my go to store. printing same as always - money order - WM.
No change in San Diego as of this morning.
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Old Jan 2, 18, 10:03 am
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No change in Northern Los Angeles today at my favorite WMNM. I only buy 1x MO at a time for $499, so this DP might not be complete if some WMs are requiring additional info beyond $750 (?) or more than 1x swipe. Also nothing about gift certificate printed on the MO.
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Old Jan 2, 18, 11:09 am
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I went to two neighborhood Walmarts today. Business as usual. One 999.30 MO at each location with two 500$ swipes. No new printing or procedure. Yellow vest manager couldn't have been less interested in what I was doing.
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Old Jan 2, 18, 11:11 am
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NW Chicago. First 2-swipe attempt for $725. The printer was acting up on previous customer, I almost bailed. No slips of paper, no gift card notation.
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Old Jan 2, 18, 5:38 pm
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I came up with what might be a good work-around for various limitations.

I paid small amounts on two credit card bills at WM using VGC's. I paid Capital One and Elan Financial Services (Fidelity Investments Visa). Now I'll wait a few days to make sure it posts properly.

I asked the clerk, whom I know quite well, if there was any reason I couldn't do multiple swipes on a bill pay and she said no.

So this might be a workaround for both not accepting cards for MO's and for "one transaction a day" limits. I don't think you could do MO's and bill pays in the same transaction, and I don't think they would say a customer has to choose each day whether they want to buy MO's or pay bills, but they can't do both.
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Old Jan 2, 18, 6:31 pm
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Originally Posted by redtop43 View Post
So this might be a workaround for both not accepting cards for MO's and for "one transaction a day" limits. I don't think you could do MO's and bill pays in the same transaction, and I don't think they would say a customer has to choose each day whether they want to buy MO's or pay bills, but they can't do both.
Aren't bill pays the fast way to get shut down?
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