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)
May 11, 2019, 7:17 pm
#586
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: 4,550
I do sometimes travel with $48-72K in cards (buying $24K at a time), but I wouldn't want to if it had no purpose. I do it because sometimes it's convenient to buy them while on vacation. I don't think it's so foolish to want to know if you're going to be able to use them.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
May 12, 2019, 1:59 am
#589
Join Date: Mar 2017
Posts: 161
. Trust me, it’s not half as funny as the trolling you provide on these boards.
But on a funnier note, I’m so happy that i have finally been acknowledged as a ‘whale’. Guess it’s tough to believe that someone could do that kind of volume? Or is it tougher to believe that I’m being 100% honest? Yea I do roughly $60k/ CB site and have 2 email addresses I order from. (That’s $120k/month for those who can’t keep up). But i do need help calculating how much that weighs. Any mathematical geniuses out there? I’m retired so got some time on my hands to play the MO and BP game.
. It is pretty amusing when people are butthurt because others are doing what they can’t. So should I ask again? Anyone from
knoxville want to share some DP this whale can ruin in. 3 days while I’m down there? LOL.
May 12, 2019, 2:09 am
#590
Join Date: Mar 2017
Posts: 161
I do sometimes travel with $48-72K in cards (buying $24K at a time), but I wouldn't want to if it had no purpose. I do it because sometimes it's convenient to buy them while on vacation. I don't think it's so foolish to want to know if you're going to be able to use them.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
Like I said though I’m not looking for addresses. Was just looking for some local help while I was in town. I can go and visit myself but wouldn’t want to carry that much if it was 1 swipe per store. Only have a few days there and some of it actually has to be spent with family. LOL.
May 12, 2019, 8:51 am
#591
Join Date: Mar 2017
Posts: 161
I do sometimes travel with $48-72K in cards (buying $24K at a time), but I wouldn't want to if it had no purpose. I do it because sometimes it's convenient to buy them while on vacation. I don't think it's so foolish to want to know if you're going to be able to use them.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
However, the fact is that no one (myself included) wants to identify prime locations for fear such identification will make them no longer prime.
May 13, 2019, 12:28 am
#592
Join Date: Oct 2009
Posts: 152
Update:
Now moneygram website shows the money order status is not cashed and can be replaced. But they can not stop the money order till the replacement check is issued. ( don't understand why, but they say it is the law they can not instantly cancel a money order). Fastest way to process a replacement check is 3 business days, which cost $45. Accepted the fee and have to wait what will happen.
Searched on the internet. If indeed the money order is cashed before the replacement is issued, you can still get a copy of cleared check and report the cashed person to police and recover the fund. But it would be much difficult.
==============
I bought a money order today but could not locate it after I got home trying to deposit it. I even could not find the receipt as it was with the money order.
I went back to walmart and luckily they were able to retrieve the receipt and a money order serial number. I'm not 100% sure the serial number on the receipt is the money order serial number as I need to remove a leading zero to fill the money order replacement request form at moneygram.com. When I check the status of that money order with that serial number, the response is "This item requires further research", but it let me fill the replace form request.
To retrieve the money I have to stop the payment before it is cashed. I don't think any check can be cashed today (Sunday.) Can anybody clear it Monday before the stop payment takes effect? I checked my mobile deposit history, seems it takes 1 business day to clear the money order e.g. if I deposited a check last Sunday, history of money order on moneygram.com will say it cleared Tuesday.
.
Now moneygram website shows the money order status is not cashed and can be replaced. But they can not stop the money order till the replacement check is issued. ( don't understand why, but they say it is the law they can not instantly cancel a money order). Fastest way to process a replacement check is 3 business days, which cost $45. Accepted the fee and have to wait what will happen.
Searched on the internet. If indeed the money order is cashed before the replacement is issued, you can still get a copy of cleared check and report the cashed person to police and recover the fund. But it would be much difficult.
==============
I bought a money order today but could not locate it after I got home trying to deposit it. I even could not find the receipt as it was with the money order.
I went back to walmart and luckily they were able to retrieve the receipt and a money order serial number. I'm not 100% sure the serial number on the receipt is the money order serial number as I need to remove a leading zero to fill the money order replacement request form at moneygram.com. When I check the status of that money order with that serial number, the response is "This item requires further research", but it let me fill the replace form request.
To retrieve the money I have to stop the payment before it is cashed. I don't think any check can be cashed today (Sunday.) Can anybody clear it Monday before the stop payment takes effect? I checked my mobile deposit history, seems it takes 1 business day to clear the money order e.g. if I deposited a check last Sunday, history of money order on moneygram.com will say it cleared Tuesday.
.
Last edited by savingwizard; May 13, 2019 at 11:51 am
May 13, 2019, 5:18 am
#593
Join Date: Mar 2009
Posts: 2,293
I bought a money order today but could not locate it after I got home trying to deposit it. I even could not find the receipt as it was with the money order.
I went back to walmart and luckily they were able to retrieve the receipt and a money order serial number. I'm not 100% sure the serial number on the receipt is the money order serial number as I need to remove a leading zero to fill the money order replacement request form at moneygram.com. When I check the status of that money order with that serial number, the response is "This item requires further research", but it let me fill the replace form request.
To retrieve the money I have to stop the payment before it is cashed. I don't think any check can be cashed today (Sunday.) Can anybody clear it Monday before the stop payment takes effect? I checked my mobile deposit history, seems it takes 1 business day to clear the money order e.g. if I deposited a check last Sunday, history of money order on moneygram.com will say it cleared Tuesday.
.
I went back to walmart and luckily they were able to retrieve the receipt and a money order serial number. I'm not 100% sure the serial number on the receipt is the money order serial number as I need to remove a leading zero to fill the money order replacement request form at moneygram.com. When I check the status of that money order with that serial number, the response is "This item requires further research", but it let me fill the replace form request.
To retrieve the money I have to stop the payment before it is cashed. I don't think any check can be cashed today (Sunday.) Can anybody clear it Monday before the stop payment takes effect? I checked my mobile deposit history, seems it takes 1 business day to clear the money order e.g. if I deposited a check last Sunday, history of money order on moneygram.com will say it cleared Tuesday.
.
May 13, 2019, 6:53 am
#594
Join Date: Jul 2014
Posts: 369
so funny this interweb thing has so much misinformation. Sorry friend.. you have just exposed yourself as to not knowing the actual rules of the 'game'. Maybe you should avoid throwing out misinformation so newbies like yourself wont get confused. I have provided a link to ebates and the fine print for you all. The other portal I use has the same exclusions, but I wont bore you with all the fine print from every site. Check the CB policies. Thanks for playing.. You're welcome.. sincerely mr whale.
www.ebates.com
Limit $60,000 per month per GiftcardMall account.
www.ebates.com
Limit $60,000 per month per GiftcardMall account.
(I have only had issues with un-tracked purchases. They wont investigate if you go over 60k, but eventually the points still post, just becasue GCM can be really slow, but they are reliable)
May 13, 2019, 7:02 am
#595
Join Date: Oct 2013
Posts: 1,322
FWIW — I think MG MOs are on a positive pay system. When MO is presented for payment by depository bank, MG system will validate serial, amount, etc and authorize payment if everything is kosher, otherwise it will not approve for payment. Hopefully they have their act together enough so that stop payment requests are processed real time.
Of course, if your luck is anything like mine, you will find the lost MO as soon as you’re finished with mg.
Of course, if your luck is anything like mine, you will find the lost MO as soon as you’re finished with mg.
May 13, 2019, 7:22 am
#596
Join Date: Mar 2017
Posts: 161
FYI - That limit is a joke. It wasn't enforced at 30k and its not enforced at 60k.
(I have only had issues with un-tracked purchases. They wont investigate if you go over 60k, but eventually the points still post, just becasue GCM can be really slow, but they are reliable)
(I have only had issues with un-tracked purchases. They wont investigate if you go over 60k, but eventually the points still post, just becasue GCM can be really slow, but they are reliable)
May 13, 2019, 7:49 am
#597
Join Date: Oct 2009
Posts: 152
FWIW — I think MG MOs are on a positive pay system. When MO is presented for payment by depository bank, MG system will validate serial, amount, etc and authorize payment if everything is kosher, otherwise it will not approve for payment. Hopefully they have their act together enough so that stop payment requests are processed real time.
Of course, if your luck is anything like mine, you will find the lost MO as soon as you’re finished with mg.
Of course, if your luck is anything like mine, you will find the lost MO as soon as you’re finished with mg.
May 14, 2019, 3:52 pm
#598
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
One of my WMs say they have to enter all MO over $500 in a log now, which is new. Is this a sign that they are being audited?
May 15, 2019, 10:09 am
#600
Join Date: Jun 2009
Posts: 42
My 1st time experience...was a little different than in the Wiki.
Tried to swipe 4 times with one transaction. The cashier said the software will not allow a 4th swipe. Had to cancel and start all over.
Told cashier the amount of MO and wanted to pay with three (3) cards at $xxx each. She said go ahead with 1st swipe. Did not have the option to select "debit". Entered my PIN. The software asked if I wanted cash bacK? I selected "no". All three swipes went OK and I paid the $0.88 for the MO in cash.
Did the cashier screw something up when she advised me the software would not allow a 4th swipe?
Tried to swipe 4 times with one transaction. The cashier said the software will not allow a 4th swipe. Had to cancel and start all over.
Told cashier the amount of MO and wanted to pay with three (3) cards at $xxx each. She said go ahead with 1st swipe. Did not have the option to select "debit". Entered my PIN. The software asked if I wanted cash bacK? I selected "no". All three swipes went OK and I paid the $0.88 for the MO in cash.
Did the cashier screw something up when she advised me the software would not allow a 4th swipe?
