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)
Sep 15, 2019, 10:24 am
#1141
Join Date: Apr 2015
Posts: 239
Anybody know a good bank/credit union that accepts money orders through atm? I've tried a small MO with 2 banks that I use, and the ATM or mobile deposit didn't recognize the MO and I had to deposit with a teller. I've heard credit unions are definitely the safest for opening an account and depositing MO's.
Sep 15, 2019, 10:35 am
#1142
Join Date: Apr 2002
Posts: 2,949
Several individuals received the pop-up banner this week at my Walmart. I spoke to a CSM today who has been around for 20 or so years, and indicated that he wasn't certain if it was a Walmart or MoneyGram ban. Just to reiterate, when I called WM and MG earlier in the week, I was told it was WM initiated by both WM and MG.
Sep 15, 2019, 10:40 am
#1143
Join Date: Apr 2002
Posts: 2,949
Anybody know a good bank/credit union that accepts money orders through atm? I've tried a small MO with 2 banks that I use, and the ATM or mobile deposit didn't recognize the MO and I had to deposit with a teller. I've heard credit unions are definitely the safest for opening an account and depositing MO's.
Sep 15, 2019, 10:42 am
#1144
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
Sep 16, 2019, 10:14 am
#1146
Join Date: Sep 2019
Posts: 317
The “Know Your Customer” database entry is different from a Suspicious Activity Report, which is collected when a cashier has reason to believe you are up to no good.
The key difference between the Know Your Customer entry and the Suspicious Activity Report is that the SAR requests your social security number and is more likely to be shared with authorities for purposes of investigating money laundering, etc.
Good advice for all of us!
You might want to be a bit kinder when correcting an ignorant newbie like myself. That's the way to teach and mentor and help advance the purpose of this board. And it's also something that doesn't violate the terms of posting here:
READ BEFORE POSTING IN THIS FORUM - Manufactured Spending Rules and Guidelines
Insulting or derogatory responses to new users (newbies) is forbidden.
Several individuals received the pop-up banner this week at my Walmart. I spoke to a CSM today who has been around for 20 or so years, and indicated that he wasn't certain if it was a Walmart or MoneyGram ban. Just to reiterate, when I called WM and MG earlier in the week, I was told it was WM initiated by both WM and MG.
This may be a matter of semantics. I know that I can stage MG or CF transactions in the WalMart app without a problem. Within the known limits, the MG transactions don't go through and the CF transactions do when I present my ID at the MoneyCenter, even though the app has the same info as in the ID. So it's an MG ban implemented through the WM system. I have no way to know if the database lookup that produces the ban resides in WM or in MG. The real test is to try outside of WM. And that still doesn't tell us what causes the ban or if there's any way to work around it.
I have read all the threads I can find here and elsewhere about the ban. There's one post here reporting thirdhand that some say the ban expires after a time. But I haven't seen any firsthand posts about that. If anyone here has had the ban expire or can point to a reliable post anywhere from someone who says his/her ban is lifted, please post that info. There are different bans from MG and it's easy for some to talk about those bans not realizing that the ban I'm talking about is a different one. The message for the overall ban says nothing about limits being exceeded or system problems or biller denials. There are lots of different messages appearing when transactions don't go through.
Sep 16, 2019, 10:28 am
#1147
Join Date: Jan 2017
Posts: 161
You're probably confusing the KYC report with the SAR report.
https://frequentmiler.boardingarea.c...-order-limits/
Good advice for all of us!
You might want to be a bit kinder when correcting an ignorant newbie like myself. That's the way to teach and mentor and help advance the purpose of this board. And it's also something that doesn't violate the terms of posting here:
READ BEFORE POSTING IN THIS FORUM - Manufactured Spending Rules and Guidelines
This may be a matter of semantics. I know that I can stage MG or CF transactions in the WalMart app without a problem. Within the known limits, the MG transactions don't go through and the CF transactions do when I present my ID at the MoneyCenter, even though the app has the same info as in the ID. So it's an MG ban implemented through the WM system. I have no way to know if the database lookup that produces the ban resides in WM or in MG. The real test is to try outside of WM. And that still doesn't tell us what causes the ban or if there's any way to work around it.
I have read all the threads I can find here and elsewhere about the ban. There's one post here reporting thirdhand that some say the ban expires after a time. But I haven't seen any firsthand posts about that. If anyone here has had the ban expire or can point to a reliable post anywhere from someone who says his/her ban is lifted, please post that info. There are different bans from MG and it's easy for some to talk about those bans not realizing that the ban I'm talking about is a different one. The message for the overall ban says nothing about limits being exceeded or system problems or biller denials. There are lots of different messages appearing when transactions don't go through.
https://frequentmiler.boardingarea.c...-order-limits/
Good advice for all of us!
You might want to be a bit kinder when correcting an ignorant newbie like myself. That's the way to teach and mentor and help advance the purpose of this board. And it's also something that doesn't violate the terms of posting here:
READ BEFORE POSTING IN THIS FORUM - Manufactured Spending Rules and Guidelines
This may be a matter of semantics. I know that I can stage MG or CF transactions in the WalMart app without a problem. Within the known limits, the MG transactions don't go through and the CF transactions do when I present my ID at the MoneyCenter, even though the app has the same info as in the ID. So it's an MG ban implemented through the WM system. I have no way to know if the database lookup that produces the ban resides in WM or in MG. The real test is to try outside of WM. And that still doesn't tell us what causes the ban or if there's any way to work around it.
I have read all the threads I can find here and elsewhere about the ban. There's one post here reporting thirdhand that some say the ban expires after a time. But I haven't seen any firsthand posts about that. If anyone here has had the ban expire or can point to a reliable post anywhere from someone who says his/her ban is lifted, please post that info. There are different bans from MG and it's easy for some to talk about those bans not realizing that the ban I'm talking about is a different one. The message for the overall ban says nothing about limits being exceeded or system problems or biller denials. There are lots of different messages appearing when transactions don't go through.
Sep 16, 2019, 10:38 am
#1148
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
agreed....Walmart associate files SAR without customers knowing, they don't ask customers SSN when filing SAR. Name/DOB/Address on customer's ID is adequate for Walmart to notify authorities...don't need SSN to catch any individual.
Sep 16, 2019, 11:34 am
#1149
Join Date: Sep 2019
Posts: 317
Yes, the SAR form can be submitted without SSN info put in. I have no idea what percentage of CSRs fill out the form without asking for that information.
Sep 16, 2019, 11:57 am
#1150
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Wow, those $1,000 max VGC from Simon are a beauty. Although I have no problem turning them into MO without having every provided my ID or SSN in the Middle of Nowhere Mid West (yes, I buy 1X $990 MO per day per store at 3 stores during my stays in the Mid West after work), I decided to go try my South Cali Orange County Wally while shopping for groceries. Well, not a problem getting a $990 one with my Middle Eastern friends working as CSR. They seem to be more worried about the people trying to return weird stuff for refunds, although they are the once that usually like to see if it is a Gift Card or a "Real Debit Card" being used.
Sep 16, 2019, 12:25 pm
#1151
Join Date: Oct 2013
Posts: 1,322
Any datapoints on using Discover Cashback Debit card at WM to buy MOs and/or do BP? I just got my card in mail today.
Sep 16, 2019, 1:18 pm
#1153
Join Date: Oct 2013
Posts: 1,322
As usual, this thread and other sources, e.g. FMer, is chock-full of mis-information on "suspicious activity" reporting. Start with one frequent & basic error: You need to be very specific in discussing "SARs" because multiple types of reporting go by that acronym.
The only "official" SAR is the one required by law to be filed with FinCEN by specified types of financial companies under the Bank Secrecy Act. The SAR is e-filed through the FinCEN BSA portal. It is a "dynamic form," i.e., responds to data entered according to type of filer, and also designates "critical" and "non-critical" data elements. FYI, a taxpayer identification number (SSN, ITIN, etc.) is a "critical" element, but the form can still be filed by checking "unknown" for this element. More info at: https://www.fincen.gov/frequently-as...ity-report-sar XML schema for the SAR: https://bsaefiling.fincen.treas.gov/..._FinCENSAR.pdf
Individual commercial organizations (like WM) very often have their own internal "SAR" to be completed & archived according to individual company policies. These SARS, however, can't be filed with FinCEN without going through the process noted above.
tl:dr: You gotta be specific anytime you're discussing "SARs." And, please, don't confuse with CTRs.
The only "official" SAR is the one required by law to be filed with FinCEN by specified types of financial companies under the Bank Secrecy Act. The SAR is e-filed through the FinCEN BSA portal. It is a "dynamic form," i.e., responds to data entered according to type of filer, and also designates "critical" and "non-critical" data elements. FYI, a taxpayer identification number (SSN, ITIN, etc.) is a "critical" element, but the form can still be filed by checking "unknown" for this element. More info at: https://www.fincen.gov/frequently-as...ity-report-sar XML schema for the SAR: https://bsaefiling.fincen.treas.gov/..._FinCENSAR.pdf
Individual commercial organizations (like WM) very often have their own internal "SAR" to be completed & archived according to individual company policies. These SARS, however, can't be filed with FinCEN without going through the process noted above.
tl:dr: You gotta be specific anytime you're discussing "SARs." And, please, don't confuse with CTRs.
Sep 16, 2019, 6:08 pm
#1154
Suspended
Join Date: Nov 1999
Posts: 24,153
Wow, those $1,000 max VGC from Simon are a beauty. Although I have no problem turning them into MO without having every provided my ID or SSN in the Middle of Nowhere Mid West (yes, I buy 1X $990 MO per day per store at 3 stores during my stays in the Mid West after work), I decided to go try my South Cali Orange County Wally while shopping for groceries. Well, not a problem getting a $990 one with my Middle Eastern friends working as CSR. They seem to be more worried about the people trying to return weird stuff for refunds, although they are the once that usually like to see if it is a Gift Card or a "Real Debit Card" being used.
In their mind $500 is the largest amount on a card so when you ask for a MO thats > $500 their mind says it cant be a GC and must be a reg DC, if word ever gets out about the 1K cards Id expect every time I ask for a MO to be carded
Enjoy it while it lasts
Sep 16, 2019, 6:40 pm
#1155
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
the key for now is its 1 card, 1 swipe , 1 MO, try using 2 of the 1Ks and see what happens
In their mind $500 is the largest amount on a card so when you ask for a MO thats > $500 their mind says it cant be a GC and must be a reg DC, if word ever gets out about the 1K cards Id expect every time I ask for a MO to be carded
Enjoy it while it lasts
In their mind $500 is the largest amount on a card so when you ask for a MO thats > $500 their mind says it cant be a GC and must be a reg DC, if word ever gets out about the 1K cards Id expect every time I ask for a MO to be carded
Enjoy it while it lasts
Now, I will start to get my United Mileage Plus Prepaid Card without Chip ready to show, in case they want to see my Card
