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
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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)
Aug 15, 2019, 4:18 pm
#991
Join Date: Oct 2011
Posts: 93
Hello all:
Please help me figure this out. Yesterday I was going to purchase 3 MO, 999.12 each, using 3 Simon Gebits, $1000 each. After I swiped the first two, the cashier pressed "cash button" (it's a figure of speech) by mistake and canceled the whole transaction. I was told that the funds should return to my two cards and was given one long receipt that documented the voided transaction. The receipt does not contain the MO serial numbers. I checked the two Simon Gebits about 26 hours after the transaction time and the funds are not there. Any suggestions?
Thanks in advance,
Nik
Please help me figure this out. Yesterday I was going to purchase 3 MO, 999.12 each, using 3 Simon Gebits, $1000 each. After I swiped the first two, the cashier pressed "cash button" (it's a figure of speech) by mistake and canceled the whole transaction. I was told that the funds should return to my two cards and was given one long receipt that documented the voided transaction. The receipt does not contain the MO serial numbers. I checked the two Simon Gebits about 26 hours after the transaction time and the funds are not there. Any suggestions?
Thanks in advance,
Nik
https://www.flyertalk.com/forum/30108519-post1452.html
Aug 15, 2019, 9:28 pm
#993
Join Date: Nov 2008
Posts: 47
Ah I see. I always thought some MS'ers have access to 4k MO's since they always talked about 4 swipes with the Simon cards. I confused "per transaction" with "per MO" haha, my bad.
Aug 16, 2019, 12:45 am
#994
Join Date: Dec 2017
Posts: 463
A year ago when I was new to the game, I went to pay the fee in cash several times. About 1 out of 3 times, it triggered the CSR to ask to see the card and then turn me down. Now I prefer to get cards ending in 88 cents when I can.
Aug 16, 2019, 4:54 am
#995
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
Like you I have been turned down, and that is never a problem, tomorrow a different person wil be working.
The main thing is do not slow the line, been doing MO 10-15 years always another store just around the corner,
Last edited by satman40; Aug 16, 2019 at 4:59 am
Aug 16, 2019, 1:17 pm
#996
Join Date: Jan 2015
Posts: 120
Aug 16, 2019, 10:28 pm
#997
Join Date: Mar 2019
Posts: 32
See a sign at my local Walmart store: Cash up to $1000 off your debit card for $3.74". Is this something new? Since our local stores no longer allow getting a MO with debit GCs, can we cash them out with the $3.74 fee?
Aug 17, 2019, 1:11 am
#998
Join Date: Oct 2010
Location: DFW
Posts: 685
I've had this happen to me in several different scenarios. If they canceled the transaction before it completed (no money orders printed), then the money should go back onto your cards unless there is a block by Simon like a previous poster mentioned. I have only had this happen with Walmart/Safeway/Kroger Visa's in on some occassions the money was back on the cards in a few hours, but one time it took three or four days. If the transaction did complete, it should state on your receipt that there is "Change Due" to you. If that is the case, their total money for the day should be over and they should refund you in cash. Good luck.
Aug 17, 2019, 1:57 am
#1000
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
7=1000 miles
I would give $700 for 100,000 miles, if needed..
Aug 17, 2019, 2:01 am
#1001
Join Date: Dec 2013
Posts: 3,507
Personally since WM/MG started requesting ID on any MOs total over $1K, I just try to make the total with the fee equate to max $1K to avoid the extra time wasted to enter the information. Only if I can do like $2K or above would I bother with doing the ID process. Just having to pay the fee in cash just causes too many problems and want to keep the CSRs happy. Also I don't really care how "inconvenient" it makes the banks have to work to process the MOs since it is their job. I always look at my bank receipt anyways after depositing MOs to verify if they got the total correct. Haven't had an issue thus far.
Aug 17, 2019, 1:40 pm
#1002
Join Date: Jun 2009
Location: DFW
Posts: 454
I posted previously about Bay Area WM locations and there was a deafening silence, so I assume that there are no MOs to be had at any of them.
I'm now driving down to Phoenix AZ via I-5/I-210/I-10. Are there any WMs along the way that I can buy MOs at? (Private message me please if you want to hold your chosen locations close to your vest. I promise not to share).
I'm now driving down to Phoenix AZ via I-5/I-210/I-10. Are there any WMs along the way that I can buy MOs at? (Private message me please if you want to hold your chosen locations close to your vest. I promise not to share).
Aug 18, 2019, 6:37 pm
#1003
Join Date: Aug 2019
Posts: 19
I have tried a couple of times to use MC gebit at WM to purchase MO. As should be expected based on the notes in wiki and this thread I'm having much more trouble with these than non-MC cards.
I've been trying a single sub-$200 MO each time I've tried this. So there is no split transactions amount for the teller to enter. The screen goes from asking me to swipe (and offering a prompt to change to Spanish) to authorizing without any cancel button showing up on the screen - even for a second.
I'm trying to be careful not to try this often as the CSR has asked once to see the card after it gets run as credit. Am I missing something, I expected to see the cancel / change payment option appear briefly between the swipe and authorizing but I've not seen it either time.
I've got a few MC to liquidate and between this challenge and some changes at Citi bank it's getting tougher for me to find an avenue. Thanks in advance for any advice.
I've been trying a single sub-$200 MO each time I've tried this. So there is no split transactions amount for the teller to enter. The screen goes from asking me to swipe (and offering a prompt to change to Spanish) to authorizing without any cancel button showing up on the screen - even for a second.
I'm trying to be careful not to try this often as the CSR has asked once to see the card after it gets run as credit. Am I missing something, I expected to see the cancel / change payment option appear briefly between the swipe and authorizing but I've not seen it either time.
I've got a few MC to liquidate and between this challenge and some changes at Citi bank it's getting tougher for me to find an avenue. Thanks in advance for any advice.
Aug 18, 2019, 9:31 pm
#1004
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Exp, but not sure for how long. Enterprise Platinum woo-hoo!
Posts: 4,551
If you can buy $1K cards (currently on sale at Simon Malls but officially only a temporary promotion) then your cost is down to $7.69. That's a decent price but it's not a tremendous deal, considering the time invested.
88 cents for a money order is a much better deal.
Aug 19, 2019, 1:47 am
#1005
Join Date: Dec 2013
Posts: 3,507
I have tried a couple of times to use MC gebit at WM to purchase MO. As should be expected based on the notes in wiki and this thread I'm having much more trouble with these than non-MC cards.
I've been trying a single sub-$200 MO each time I've tried this. So there is no split transactions amount for the teller to enter. The screen goes from asking me to swipe (and offering a prompt to change to Spanish) to authorizing without any cancel button showing up on the screen - even for a second.
I'm trying to be careful not to try this often as the CSR has asked once to see the card after it gets run as credit. Am I missing something, I expected to see the cancel / change payment option appear briefly between the swipe and authorizing but I've not seen it either time.
I've got a few MC to liquidate and between this challenge and some changes at Citi bank it's getting tougher for me to find an avenue. Thanks in advance for any advice.
I've been trying a single sub-$200 MO each time I've tried this. So there is no split transactions amount for the teller to enter. The screen goes from asking me to swipe (and offering a prompt to change to Spanish) to authorizing without any cancel button showing up on the screen - even for a second.
I'm trying to be careful not to try this often as the CSR has asked once to see the card after it gets run as credit. Am I missing something, I expected to see the cancel / change payment option appear briefly between the swipe and authorizing but I've not seen it either time.
I've got a few MC to liquidate and between this challenge and some changes at Citi bank it's getting tougher for me to find an avenue. Thanks in advance for any advice.