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)
Jul 4, 2019, 5:17 am
#796
Join Date: Jan 2019
Posts: 115
Hey guys,
What are the fees for this please? Also, what's the risk of a credit card provider catching on and closing the card? Does Walmart code Moneygram txns the same way as every other transaction?
What are the fees for this please? Also, what's the risk of a credit card provider catching on and closing the card? Does Walmart code Moneygram txns the same way as every other transaction?
Jul 4, 2019, 8:40 am
#797
Join Date: Oct 2013
Posts: 151
In my area, WM charges 88 cents for a money order. MG transactions aren't done with credit cards--they're debit or cash only.
Jul 4, 2019, 8:49 am
#798
Join Date: Jan 2019
Posts: 115
Also, would that be 88 cents for the whole money order or is it amount based? Thanks!
Last edited by NewbieRunner; Jul 5, 2019 at 11:17 am Reason: Consecutive posts by same member
Jul 4, 2019, 9:09 am
#799
Join Date: Jan 2002
Location: Austin, TX, USA
Posts: 69
Please do your homework
Matt
Jul 4, 2019, 9:13 am
#800
Join Date: Jan 2019
Posts: 115
gbenrus: Welcome. And I wish you the best. But please understand that you are asking kindergarten level questions in a high school level forum. If you are serious about making some ms money, you really need to start here: https://www.flyertalk.com/forum/manu...re-2019-a.html
Matt
Matt
Jul 4, 2019, 10:19 am
#801
Join Date: Aug 2015
Posts: 2,061
for those of you folks that r able to do 4 or multiple split pay, or that cashiers don't care, consider it blessed or lucky
earlier this month, after i loaded $500 to gobank, this badass cashier kept the receipt & asked to see the card i used; had no choice to show the vgc; lol, she said it's "illegal" to use the GC; i gently told her it's not illegal as i bought & had a receipt for it; then, as i wanted to move on & told her that i had not known so won't use it again; but she insisted to reverse the whole trxn & asked for my gobank card; i refused to do so stating that my acct had previously had unauthorized trxn when the card was given out before; she then called a spvr, who didn't know what to do; then she next called the mgr, who told me that they can't issue a refund to the card w/o my gobank card; i insisted that i can't or don't want to do that given the previous reason; adding that it will happen here at WM but it could as i had to deal with it before & don't want to go thru that again. I told the group, 3 of them, that i had to go b/c of a really urgent matter and left the store while they tried to figure out what to do; luckily, the mgr decided not to stop me; wonder if wanted to they can ask security / cop to hold me in the store?
heck, i'll likely be banned at that WM, or may not come back there again for a long while
earlier this month, after i loaded $500 to gobank, this badass cashier kept the receipt & asked to see the card i used; had no choice to show the vgc; lol, she said it's "illegal" to use the GC; i gently told her it's not illegal as i bought & had a receipt for it; then, as i wanted to move on & told her that i had not known so won't use it again; but she insisted to reverse the whole trxn & asked for my gobank card; i refused to do so stating that my acct had previously had unauthorized trxn when the card was given out before; she then called a spvr, who didn't know what to do; then she next called the mgr, who told me that they can't issue a refund to the card w/o my gobank card; i insisted that i can't or don't want to do that given the previous reason; adding that it will happen here at WM but it could as i had to deal with it before & don't want to go thru that again. I told the group, 3 of them, that i had to go b/c of a really urgent matter and left the store while they tried to figure out what to do; luckily, the mgr decided not to stop me; wonder if wanted to they can ask security / cop to hold me in the store?
heck, i'll likely be banned at that WM, or may not come back there again for a long while
Last edited by danhouston; Jul 4, 2019 at 10:26 am
Jul 4, 2019, 10:42 am
#802
Join Date: Apr 2015
Posts: 239
This has probably been asked a bunch, but without going thru 54 pages...what is the best prepaid debit card to buy w/ an AMEX or Chase card and get a money order from the debit card? Thanks in advance.
Jul 4, 2019, 11:36 am
#804
Suspended
Join Date: Sep 2016
Posts: 198
if you're converting to MO at Walmart - then definitely one vanilla visa's from CVS
Jul 4, 2019, 11:41 am
#805
Join Date: Apr 2015
Posts: 239
Thanks. Those still work? I thought I heard Vanilla cards were no longer working or people had big issues trying to get a MO off a One Vanilla Visa
Jul 4, 2019, 12:10 pm
#807
Join Date: Jul 2014
Posts: 3,688
Don't be misled, ANY type of VANILLA prepaids both fixed and variable from drugstores will NOT work to BUY MOs at any WM. However, IF you have a Serve card, try loading OV or fixed value vanilla to it since it has been working on and off at random WMs (you won't know if it works at your WM unless you try). The VGCs that work to buy MOs at WM are those issued by Metabank or US Bank you can buy at grocery stores with $5.95 fee.
Jul 4, 2019, 12:27 pm
#808
Join Date: Apr 2015
Posts: 239
Thank you very much! That's what I was looking for. I'm trying to hit a $5000 spending limit on an AMEX card. I don't care too much about the small gift card fees, which are far less than trying to manufacture spend thru something like Venmo or Plastiq services. I'll look into the MetaBank issued cards. But out of curiosity, why doesn't everyone just do the Metabank ones and not risk the Vanilla getting denied? Do they have higher fees?
Jul 4, 2019, 1:02 pm
#809
Join Date: Jan 2019
Posts: 115
Don't be misled, ANY type of VANILLA prepaids both fixed and variable from drugstores will NOT work to BUY MOs at any WM. However, IF you have a Serve card, try loading OV or fixed value vanilla to it since it has been working on and off at random WMs (you won't know if it works at your WM unless you try). The VGCs that work to buy MOs at WM are those issued by Metabank or US Bank you can buy at grocery stores with $5.95 fee.
Jul 4, 2019, 1:07 pm
#810
Join Date: Apr 2015
Posts: 239
This also seems like a very good idea, assuming the vanilla cards or other prepaid debit cards bought at stores can be entered and transferred through venmo without a fee.