Buying Money Orders at Walmart (2019)

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Old Aug 23, 19, 4:20 am   -   Wikipost
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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 cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. Visas issued by MetaBank work great.
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.
5. Gdot/sun work but take about an hour to activate.
__________________________________________________ __________________________________________
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 88 cents 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 88 cents 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.

5. Kiosk: 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.

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 entry - Any MO purchases in one transaction over $3K requires you to input your SSN. Confirmed 8/2019.




Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
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Old Nov 1, 19, 9:00 am
  #1396  
 
Join Date: Oct 2012
Posts: 258
a MO at WM for 199.00 is no help here. And What is Penna??? Pa?
barrytuneup is offline  
Old Nov 1, 19, 9:16 am
  #1397  
 
Join Date: Jun 2001
Posts: 667
BAU at my local WM, 999.12 x 3 using 2 SM 1k and 2 $500 MCGC from S&S usual id check.

Last edited by gw14; Nov 1, 19 at 9:29 am
gw14 is offline  
Old Nov 1, 19, 9:16 am
  #1398  
 
Join Date: Jan 2017
Posts: 143
Originally Posted by barrytuneup View Post
a MO at WM for 199.00 is no help here. And What is Penna??? Pa?
A $199 MO means there is no $100 min ID requirement.
shipitkthx is offline  
Old Nov 1, 19, 9:17 am
  #1399  
 
Join Date: Oct 2010
Location: DFW
Posts: 572
Originally Posted by barrytuneup View Post
a MO at WM for 199.00 is no help here. And What is Penna??? Pa?
The new rule is ID required for MO's over $100 so the datapoint that ID was not required for $199 is actually helpful.
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knopfler is offline  
Old Nov 1, 19, 9:31 am
  #1400  
 
Join Date: Jun 2001
Posts: 667
Maybe it's a typo and the $100 should have been $1000 and it's the same rules.
gw14 is offline  
Old Nov 1, 19, 9:38 am
  #1401  
 
Join Date: Jan 2017
Posts: 143
Originally Posted by gw14 View Post
Maybe it's a typo and the $100 should have been $1000 and it's the same rules.
The $100 ID requirement would make sense with the $8k/30 limit because otherwise you could do 1 999.xx per day and get $30k/mo with no ID check. I obv hope it doesn't happen but it would be very weird if it's not the case.
shipitkthx is offline  
Old Nov 1, 19, 10:36 am
  #1402  
soy
 
Join Date: Dec 2008
Location: DUB-BOS
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Posts: 2,559
Ah, the weekly 'Sky is falling' news regarding WM MO's.

We have no credible sources yet that a new $100 limit is coming on Nov 3rd. I cannot think of any recent change where local WM CSRs had advance notice of any change rolled out by Corp - though I suppose even a stopped clock is eventually right.
The other source is a claim from a blogger last month....which may well be clickbait to drive ad revenue.

Upthread we have someone post an image with absolutely no context.

The MS space is riddled with people making false claims, sometimes to spread confusion, sometimes for fun.
barrytuneup likes this.
soy is offline  
Old Nov 1, 19, 11:50 am
  #1403  
 
Join Date: Oct 2014
Posts: 31
No news is good news. If there is any change, it can't be a good one, and it will roll out gradually, not in a day and everywhere. So be prepared. MG's sale to Alibaba was blocked by the US government last year and MG was also hit by a $125M compliance penalty.last year. Its stock and financial situation has been getting worse and worse. Blackhawk or some company will have to reinvent the reloadable cards that can pay bills or come up with some genius ideas if they want the game to continue.
jack101 is offline  
Old Nov 1, 19, 1:16 pm
  #1404  
 
Join Date: Sep 2016
Posts: 139
The reading comprehension level in the thread is pretty amazing. The memo pretty clearly states to ask for ID at $100 and to refuse to process if the person refuses to show valid ID. It then says to scan the ID if prompted.

Some CSRs will ask for ID at $100, many won't. There's no indication the system is going to actually prompt ID scans at $100
beast7276 is offline  
Old Nov 1, 19, 3:43 pm
  #1405  
 
Join Date: Nov 2017
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Looks like the change is here at my go to Walmart, just left there few minutes ago, fee is still 88 cents, no id needed but my favorite cashier said 3 swipe is Max now, so I got a 595.00 money order used 3 cards from office Depot. I guess it's always ymmv, as long as system not hard coded.
mySimon411 is online now  
Old Nov 1, 19, 4:39 pm
  #1406  
 
Join Date: Aug 2010
Location: USA
Programs: Any and All
Posts: 196
$8k today, no issues....
MilesDavis11 is offline  
Old Nov 1, 19, 4:48 pm
  #1407  
 
Join Date: Jan 2015
Location: SC Penna.
Posts: 15
Originally Posted by barrytuneup View Post
a MO at WM for 199.00 is no help here. And What is Penna??? Pa?
Well, it told me there’s no ID needed > $100.
Raskage is offline  
Old Nov 1, 19, 4:50 pm
  #1408  
 
Join Date: Jan 2017
Posts: 143
Originally Posted by mySimon411 View Post
Looks like the change is here at my go to Walmart, just left there few minutes ago, fee is still 88 cents, no id needed but my favorite cashier said 3 swipe is Max now, so I got a 595.00 money order used 3 cards from office Depot. I guess it's always ymmv, as long as system not hard coded.
I'd put money on that being completely unrelated to anything else.
coolguy100 likes this.
shipitkthx is offline  
Old Nov 1, 19, 4:57 pm
  #1409  
 
Join Date: Mar 2003
Location: Southern California
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Just for a data point. I'm in Southern California and a VERY MS friendly Walmart I have been going to for the past few months told me today Corporate office called them today and said they couldn't accept prepaid debit cards anymore for Money Orders OR Billpay.

Funny as the guy behind me was from the same local forum as I've met him before and they told both of us at the same time that VGC's can no longer be used.

Bummer.
saint is offline  
Old Nov 1, 19, 5:14 pm
  #1410  
 
Join Date: Jan 2015
Posts: 86
Who cares

From where I stand, Walmarts have been tightening their anuses wrt > 1K purchases one way or another. That is, the news makes a difference only for those who were willing to visit 27 Walmarts a day for 999 each, which I am not doing anyway.
NikSem is offline  

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