Jan 2, 2019, 9:51 am
Last edit by: danpeake
As of Nov 11, 2020, Meta gebits are getting declined when used for MO/BP purchases at MC/SD. New limit appears to be $99 per swipe with some metas at some stores. READ the posts below and add a data point with details. USB and GD gift cards do not seem to be affected.
This is the thread for 2019. The previous discussion can be found here: https://www.flyertalk.com/forum/manu...rt-2018-a.html
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.
Note: The policy for allowing gift cards as payment for money orders can be more restrictive with certain stores or certain clerks. Just because an employee says there's a new restrictive policy "for all Walmarts" means nothing. There are plenty of cases where the employee is incorrect and the new policy is only regional or store specific.
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Tested Gebit (gift debit) cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. See above on Visas issued by MetaBank. New limit appears to be $99 per swipe with some metas at some stores. Follow the posts below for the latest information.
3. MC issued by US bank OR Metabank MC (Giftcards.com) can work, but you need to change payment type to debit before they enter the amount in the register. See below for details.
4. Gdot/sun work but take about an hour to activate.(VGC issued by Sunrise also limited to $99/swipe, same as Metabank issued cards, and Sunrise was available immediately).
5. USB work
__________________________________________________ __________________________________________
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 $1 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 $1 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 transactions: 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.
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.
7. SSN/ID entry - Any MO purchases in one transaction at or over $3K requires you to input your SSN. Any MO at or over $1K requires ID input (and ID requirement can also be forced by cashier at any amount).
Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
Buying Money Orders at Walmart (2019 - 2022)
Nov 26, 2019, 8:40 am
#1636
Join Date: Sep 2009
Posts: 2,833
One of our local WM has a POS update that won't let you use GC for MO or loading to Serve/BB. You swipe, enter PIN and get tender not allowed or something. This happened back in April.
For some reason the other Wal-Mart (although I've not tried lately) lets them through, but that was as of May. That store may have gotten the same POS update since then.
Been going to DG instead to liquidate to Serve.
Metbank Visa GC.
For some reason the other Wal-Mart (although I've not tried lately) lets them through, but that was as of May. That store may have gotten the same POS update since then.
Been going to DG instead to liquidate to Serve.
Metbank Visa GC.
Last edited by ChrisFlyer66; Nov 27, 2019 at 7:31 am
Nov 26, 2019, 8:50 am
#1637
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
For some of us in fly-over country, things are quiet.
However, I still practice circumvention and do no more than 1 mo at a time per WM visited and always less than $1K. I can still do multiple swipes at most of my locations but I visit each less than 2 times a week. (I am definitely small time).
I do understand that especially in large cities and the coasts that utilizing WM is becoming more challenging. I certainly hope that their issues do not migrate into my part of the country.
Last edited by ChrisFlyer66; Nov 27, 2019 at 7:31 am
Nov 26, 2019, 11:00 am
#1638
Join Date: Sep 2019
Posts: 317
One of our local WM has a POS update that won't let you use GC for MO or loading to Serve/BB. You swipe, enter PIN and get tender not allowed or something. This happened back in April.
For some reason the other Wal-Mart (although I've not tried lately) lets them through, but that was as of May. That store may have gotten the same POS update since then.
Been going to DG instead to liquidate to Serve.
Metbank Visa GC.
For some reason the other Wal-Mart (although I've not tried lately) lets them through, but that was as of May. That store may have gotten the same POS update since then.
Been going to DG instead to liquidate to Serve.
Metbank Visa GC.
Nov 26, 2019, 11:19 am
#1639
Join Date: Mar 2009
Posts: 2,295
Or that store is doing something wrong (intentionally or not) such as not entering the partial amount.
Nov 26, 2019, 11:30 am
#1640
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
Nov 26, 2019, 11:43 am
#1641
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
found out I got banned this morning...politely tell the customer that we cant sell MO to this customer ..been doing around 4k MOs almost daily for the past 2 months...one WM csr filed SAR on me at least two times a month ago. That individual fills out SAR on anyone buying MO with VGCs.
Nov 26, 2019, 12:09 pm
#1642
Join Date: Oct 2010
Location: DFW
Posts: 685
found out I got banned this morning...politely tell the customer that we cant sell MO to this customer ..been doing around 4k MOs almost daily for the past 2 months...one WM csr filed SAR on me at least two times a month ago. That individual fills out SAR on anyone buying MO with VGCs.
Nov 26, 2019, 12:18 pm
#1643
Join Date: Feb 2019
Posts: 268
Cards worked fine elsewhere.
Tried several times with different Metabank VC and got the same thing (different cashier each time, but same local WM over the course of a week) and got the same "tender not allowed" each time.
The thought on Reddit was that WM had banned the bin #'s or something.
Nov 26, 2019, 3:34 pm
#1644
Join Date: Nov 2017
Programs: none
Posts: 106
jjust left Walmart with 2 mo 1k each, funny how the cashier asked when I bought Mo last time, he said someone is monitoring mo. I said I don't buy much and he went ahead input my license and no ban for me. I buy about 4k per week with ID. Normally stay under 990 for me.
Last edited by mySimon411; Nov 26, 2019 at 3:34 pm Reason: None
Nov 26, 2019, 4:23 pm
#1645
Join Date: Jun 2015
Posts: 1,727
found out I got banned this morning...politely tell the customer that we cant sell MO to this customer ..been doing around 4k MOs almost daily for the past 2 months...one WM csr filed SAR on me at least two times a month ago. That individual fills out SAR on anyone buying MO with VGCs.
Nov 26, 2019, 10:57 pm
#1646
Join Date: Apr 2011
Location: MSP
Programs: DL, BA, AA
Posts: 270
Today I fell for it. I visited a WM location that I go to on average once or twice a month maximum in a small town. I waited in line only 2 people in front of me but it took about 10 minutes to get to the front of the line. While I was waiting, I notice the customer service rep (manager?) whispering in the ear of the csr.( hadn’t seen this guy for at months.) Then when it was my turn, I said one $800 money order. The CSR then proceeded to type in a bunch of information, on more than one screen. then the manager came over a couple of times, and typed in some answers.
Then the csr asked for ID, typed it in, and then I got my money order. They did not ask for my SSN.
This was in the evening and I have never had problem there with anyone in the daytime. I should not have fell for it. I guess I should have just said, “this is taking too long” and said “I can’t wait for you to go through these extra procedures” and left. It did take too long, and further delayed by typing in all the data before getting the money order.
So was this a SAR? What happens to this data? Is there any significance to this? I will politely leave if this happens again.
Then the csr asked for ID, typed it in, and then I got my money order. They did not ask for my SSN.
This was in the evening and I have never had problem there with anyone in the daytime. I should not have fell for it. I guess I should have just said, “this is taking too long” and said “I can’t wait for you to go through these extra procedures” and left. It did take too long, and further delayed by typing in all the data before getting the money order.
So was this a SAR? What happens to this data? Is there any significance to this? I will politely leave if this happens again.
Nov 27, 2019, 3:31 am
#1647
Join Date: Mar 2009
Posts: 2,295
Today I fell for it. I visited a WM location that I go to on average once or twice a month maximum in a small town. I waited in line only 2 people in front of me but it took about 10 minutes to get to the front of the line. While I was waiting, I notice the customer service rep (manager?) whispering in the ear of the csr.( hadn’t seen this guy for at months.) Then when it was my turn, I said one $800 money order. The CSR then proceeded to type in a bunch of information, on more than one screen. then the manager came over a couple of times, and typed in some answers.
Then the csr asked for ID, typed it in, and then I got my money order. They did not ask for my SSN.
This was in the evening and I have never had problem there with anyone in the daytime. I should not have fell for it. I guess I should have just said, “this is taking too long” and said “I can’t wait for you to go through these extra procedures” and left. It did take too long, and further delayed by typing in all the data before getting the money order.
So was this a SAR? What happens to this data? Is there any significance to this? I will politely leave if this happens again.
Then the csr asked for ID, typed it in, and then I got my money order. They did not ask for my SSN.
This was in the evening and I have never had problem there with anyone in the daytime. I should not have fell for it. I guess I should have just said, “this is taking too long” and said “I can’t wait for you to go through these extra procedures” and left. It did take too long, and further delayed by typing in all the data before getting the money order.
So was this a SAR? What happens to this data? Is there any significance to this? I will politely leave if this happens again.
Nov 27, 2019, 10:29 am
#1648
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
jjust left Walmart with 2 mo 1k each, funny how the cashier asked when I bought Mo last time, he said someone is monitoring mo. I said I don't buy much and he went ahead input my license and no ban for me. I buy about 4k per week with ID. Normally stay under 990 for me.
Nov 27, 2019, 10:41 am
#1649
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
WM/MG might have used some machine leaning algorithm to ban people...impossible to figure out the algorithm.
Nov 27, 2019, 10:50 am
#1650
Join Date: Dec 2010
Posts: 1,516
I guess there is no point to come back to this store and talk to manager - he still didn't call me back after 4+ days. I guess the location is burned then.