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.
---------------------------------------------------------------------------------
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)
Dec 16, 2020, 7:06 am
#3031
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
The memo matters, presuming it is true, in that it empowers the managers to take whatever steps is necessary for them to stop people from buying MOs with GCs. The managers now know that there will not be blow back from HQs if someone complains about "lack of service".
There already is a hard stop (on metas) of $99/swipe. If a "normal?" customer wants to buy a $1000 MO, they still can with a single swipe from an standard bank issued debit card. However, someone doing multiple swipes will automatically become a "person of interest" where certain procedures could be instituted (such as examining the debit card) prior to issuing the MO. So if the memo is true, the ball will be in the hands of the store managers as to how it is implemented.
You are correct that until I gather personal DPs as to what is going down, I will continue my behavior, but it will be modified. I am curtailing my GC purchases because I have no desire to be loaded down with hard to monetize GCs. I will need to secure my alternatives to WM for buying MOs. And I will be looking for confirmatory DPs (from others) to those I have discovered for myself.
I may choose to believe whatever I wish, just as you do. However, I like to back up my faith with some real time data
There already is a hard stop (on metas) of $99/swipe. If a "normal?" customer wants to buy a $1000 MO, they still can with a single swipe from an standard bank issued debit card. However, someone doing multiple swipes will automatically become a "person of interest" where certain procedures could be instituted (such as examining the debit card) prior to issuing the MO. So if the memo is true, the ball will be in the hands of the store managers as to how it is implemented.
You are correct that until I gather personal DPs as to what is going down, I will continue my behavior, but it will be modified. I am curtailing my GC purchases because I have no desire to be loaded down with hard to monetize GCs. I will need to secure my alternatives to WM for buying MOs. And I will be looking for confirmatory DPs (from others) to those I have discovered for myself.
I may choose to believe whatever I wish, just as you do. However, I like to back up my faith with some real time data
Dec 16, 2020, 7:49 am
#3032
Join Date: May 2003
Location: N/A
Posts: 403
Yes! The yellow vest had a hawk eye and spotted what I was about to swipe was Gebit. I went to casually swipe the card, entered pin (pretend as if nothing is wrong). But she wouldn’t process it unless shown the card. Never happened at this WM. Even when new hires(?) manned the registers, they will process it no problem. First time at this WM.
I really hope I’m not losing the reliable WM.
Last edited by msiamsia; Dec 16, 2020 at 7:59 am
Dec 16, 2020, 8:17 am
#3033
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
More and more WMs got killed..... We'll keep trying until it is cold dead. 
Dec 16, 2020, 11:17 am
#3035
Join Date: Dec 2010
Programs: Hilton Diamond, Marriott Titanium, Radisson Gold, Hyatt Globalist, M life Gold, IHG Spire
Posts: 918
BTW, they let the transaction go through. She simply told me not to do it again.
Dec 16, 2020, 6:01 pm
#3036
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Naaa, Wally is still up and going. Just left one of my two local Wallys and Business as Usual.
If it is coming to an end, then why not hit hard the promo of the year with the Amex Plat 10X MR. Already maxed out the Amex Gold 4X for the year, so we are getting there thanks to Wally's MO via double swipe on $500 VGCs from Krogy. Loving it ...
Definitely glad the whales are out with Simons.
If it is coming to an end, then why not hit hard the promo of the year with the Amex Plat 10X MR. Already maxed out the Amex Gold 4X for the year, so we are getting there thanks to Wally's MO via double swipe on $500 VGCs from Krogy. Loving it ...
Definitely glad the whales are out with Simons.
Dec 16, 2020, 9:02 pm
#3037
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Naaa, Wally is still up and going. Just left one of my two local Wallys and Business as Usual.
If it is coming to an end, then why not hit hard the promo of the year with the Amex Plat 10X MR. Already maxed out the Amex Gold 4X for the year, so we are getting there thanks to Wally's MO via double swipe on $500 VGCs from Krogy. Loving it ...
Definitely glad the whales are out with Simons.
If it is coming to an end, then why not hit hard the promo of the year with the Amex Plat 10X MR. Already maxed out the Amex Gold 4X for the year, so we are getting there thanks to Wally's MO via double swipe on $500 VGCs from Krogy. Loving it ...
Definitely glad the whales are out with Simons.
Dec 16, 2020, 9:42 pm
#3038
Join Date: Dec 2020
Programs: Delta Diamond (MM) | Hertz President's Circle
Posts: 158
I've churned a s-ton through WM and never had that occur. It would be interesting to know what was displayed on the screen that they "couldn't do". I've had a few CSRs ask to see the card I swiped or am going to swipe but that happens a lot more at Kroger than WM. I don't do a lot of volume at Kroger anymore but when I did, I just used a card overlay to deal with that (but that's a hassle and time consuming...) When they ask you to physically hand them the card, that's when things go south. 😧
That is incorrect. Not a POS "message" but I have had the manager come out from the back, point at the employee's screen, and tell the employee "you can't do that" without ever seeing the card I'd swiped. So they can tell what is going on, but they let this go on because they don't care or are trying to be nice.
BTW, they let the transaction go through. She simply told me not to do it again.
BTW, they let the transaction go through. She simply told me not to do it again.
Dec 16, 2020, 11:08 pm
#3039
Join Date: Jun 2020
Posts: 170
Have seen an interesting post on Reddit. Apparently the $99 limit on Metas was a deliberate attempt by Walmart to decrease MS traffic at MCs. And when that didn't work, the latest memo was done. Walmart is worried about what they consider to be "nuisance" traffic at the customer service desk because the customer service desk is typically overwhelmed with returns processing after the Christmas holiday. WMT want to get rid of the MS'ers.
Dec 16, 2020, 11:31 pm
#3040
Join Date: Sep 2013
Location: Seattle
Programs: United Gold, Delta Silver, SPG Gold
Posts: 81
I saw that comment as well over at DOC. Should be interesting if WM MO’s returns possibly in Q2 of 2021 if the primary goal was indeed to not overwhelm customer service desk with holiday order returns
Dec 17, 2020, 12:24 am
#3041
Join Date: Nov 2020
Posts: 28
Proactive
Couldn’t all the bloggers just ask for a MS moratorium from Dec 26 - January 26. This will alleviate WM from having to go to these extremes. Maybe call it a “MS holiday”.
Also can we find out what WM numbers are for MO? Curious how this impacts their MO revenue.
But at the end of the day MS’ers could care less to be thoughtful they tend burn things into the ground.
Also can we find out what WM numbers are for MO? Curious how this impacts their MO revenue.
But at the end of the day MS’ers could care less to be thoughtful they tend burn things into the ground.
Dec 17, 2020, 2:20 am
#3042
Join Date: Feb 2012
Posts: 4,477
Without drama there will be less reason to click on blogs. Can't expect the bloggers to act against their self interest.
Dec 17, 2020, 8:54 am
#3043
Join Date: Nov 2006
Location: So.FL
Programs: AA Platinum Jet Blue Mosaic
Posts: 106
As of yesterday (12/16) could still do $99 swipes with META's at my WM in Florida.
I think its time for a "vacation"" tho till things sort out.
I think its time for a "vacation"" tho till things sort out.
Dec 17, 2020, 9:46 am
#3044
Join Date: Jan 2015
Location: Champaign, IL
Programs: Total Rewards Diamond, Wyndham Diamond, Marriott Gold, AA Gold
Posts: 564
I tried to load the Walmart Moneycard yesterday with a Sunrise bank GC and I got the ole, "Cannot process debit transaction" message (Or whatever that message says, I can't remember).
Dec 17, 2020, 2:14 pm
#3045
Join Date: Dec 2010
Programs: Hilton Diamond, Marriott Titanium, Radisson Gold, Hyatt Globalist, M life Gold, IHG Spire
Posts: 918
I've churned a s-ton through WM and never had that occur. It would be interesting to know what was displayed on the screen that they "couldn't do". I've had a few CSRs ask to see the card I swiped or am going to swipe but that happens a lot more at Kroger than WM. I don't do a lot of volume at Kroger anymore but when I did, I just used a card overlay to deal with that (but that's a hassle and time consuming...) When they ask you to physically hand them the card, that's when things go south. 😧
Technically I am not getting airmiles by swiping a VGC, but come on, WM knows exactly how I bought that VGC.
Couldn’t all the bloggers just ask for a MS moratorium from Dec 26 - January 26. This will alleviate WM from having to go to these extremes. Maybe call it a “MS holiday”.
Also can we find out what WM numbers are for MO? Curious how this impacts their MO revenue.
But at the end of the day MS’ers could care less to be thoughtful they tend burn things into the ground.
Also can we find out what WM numbers are for MO? Curious how this impacts their MO revenue.
But at the end of the day MS’ers could care less to be thoughtful they tend burn things into the ground.
At the MC? At this point it seems pretty clear, but YMMV, that swipes at the MC, probably for anything, are limited to $99. You have to go through the regular checkout line with Metas. IIRC Meta or BHN bought out Sunrise's GC business a few years ago.