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Buying Money Orders at Walmart (2019 onwards)

Buying Money Orders at Walmart (2019 onwards)

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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 22, 19, 7:49 am
  #1576  
 
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Originally Posted by njdealguy View Post
Thanks for confirming, the "manager" was trying to claim all of what I described but when go back will surely insist on "CASH TEND" and they can see the recorded video if wants to as proof! Plus the cashier did this transaction was in the store and knows I wasnt given any cash.
Had to happen to me before. It will sorted out once they see their cash in/out does not match in a couple days.
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Old Nov 22, 19, 7:53 am
  #1577  
 
Join Date: Jun 2012
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Academy Leader?

Been MSing for many years, lots of interesting experiences at the grocery store and Wally over the years, but yesterday deserves a special mention here

Was visiting a city in Florida, saw a neighborhood market and went in. Was getting one 799.12 MO. Machine ran out of paper. Yellow vest comes in and she's an "Academy Leader". Never seen one b4. She reloads the paper then tells the cashier 4 x 200 payments means I am using GCs to buy MOs and that is "structuring" She then proceeds to tell the cashier to be on the lookout for people who use GCs, then turns to me and says. "I am voiding this transaction. What you are doing is illegal. You are using GCs to buy our money orders to deposit them in your bank account to pay your credit card to get points and rewards. We know your game. That is illegal. It is called structuring. If I see you here again I will call the police" She then walked away.

I left the store, went to another wallys and got the MO but wow, just wow.
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Old Nov 22, 19, 8:05 am
  #1578  
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Originally Posted by bailey911 View Post
Been MSing for many years, lots of interesting experiences at the grocery store and Wally over the years, but yesterday deserves a special mention here

Was visiting a city in Florida, saw a neighborhood market and went in. Was getting one 799.12 MO. Machine ran out of paper. Yellow vest comes in and she's an "Academy Leader". Never seen one b4. She reloads the paper then tells the cashier 4 x 200 payments means I am using GCs to buy MOs and that is "structuring" She then proceeds to tell the cashier to be on the lookout for people who use GCs, then turns to me and says. "I am voiding this transaction. What you are doing is illegal. You are using GCs to buy our money orders to deposit them in your bank account to pay your credit card to get points and rewards. We know your game. That is illegal. It is called structuring. If I see you here again I will call the police" She then walked away.

I left the store, went to another wallys and got the MO but wow, just wow.
In most cases the person such as that AL was told what they said by someone else. All they really have to say is 'Sorry you cant use a GC to get an MO, according to our policy". But instead they play telephone where each person simply adds more to try and discourage the person from trying again

Had that the other day at a friendly suprmkt, was told its ca$h only, never saw that csr and had no choice walked out empty and came back later when a different shift was on and walked out with my MOs. But with that chain it is hit or miss where some stores allow only Ca$h and wont even take a bank DC, while others have to input the card being used to make sure its not a GC., once you know the story with each store its easier to deal with it,. like when I walk in and see a csr that I know Im walking out w/o anything, I simply turn around and walk right out. If I dont know the area then Id wait on the line only to be denied in the end

Its all a part of doing business in my mind
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Old Nov 22, 19, 8:33 am
  #1579  
 
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Originally Posted by craz View Post
In most cases the person such as that AL was told what they said by someone else. All they really have to say is 'Sorry you cant use a GC to get an MO, according to our policy". But instead they play telephone where each person simply adds more to try and discourage the person from trying again

Had that the other day at a friendly suprmkt, was told its ca$h only, never saw that csr and had no choice walked out empty and came back later when a different shift was on and walked out with my MOs. But with that chain it is hit or miss where some stores allow only Ca$h and wont even take a bank DC, while others have to input the card being used to make sure its not a GC., once you know the story with each store its easier to deal with it,. like when I walk in and see a csr that I know Im walking out w/o anything, I simply turn around and walk right out. If I dont know the area then Id wait on the line only to be denied in the end

Its all a part of doing business in my mind
I follow the same philosophy. I know the CSRs who are suspect and just avoid them. I know the stores that will, in general, not allow a GC transaction. If I have a CSR tell me foolish things, I listen with mouth shut and then leave. The old adage applies. Don't wrestle with a pig. You'll only get dirty and the pig will enjoy it.
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Old Nov 22, 19, 8:57 am
  #1580  
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Originally Posted by radonc1 View Post
I follow the same philosophy. I know the CSRs who are suspect and just avoid them. I know the stores that will, in general, not allow a GC transaction. If I have a CSR tell me foolish things, I listen with mouth shut and then leave. The old adage applies. Don't wrestle with a pig. You'll only get dirty and the pig will enjoy it.

Yep, the worst thing is to try and set them straight, that will NEVER happen, result will be any csr that might have worked with you will now have your face in their mind as a trouble maker. I just play dumb (Ok not too hard for me LoL) and say Oh I didnt know thank you for pointing that out so I wont accept any more of these cards as payment for money owed me. and off to the next store on my roiute
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Old Nov 22, 19, 10:37 am
  #1581  
 
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Originally Posted by bailey911 View Post
Been MSing for many years, lots of interesting experiences at the grocery store and Wally over the years, but yesterday deserves a special mention here

Was visiting a city in Florida, saw a neighborhood market and went in. Was getting one 799.12 MO. Machine ran out of paper. Yellow vest comes in and she's an "Academy Leader". Never seen one b4. She reloads the paper then tells the cashier 4 x 200 payments means I am using GCs to buy MOs and that is "structuring" She then proceeds to tell the cashier to be on the lookout for people who use GCs, then turns to me and says. "I am voiding this transaction. What you are doing is illegal. You are using GCs to buy our money orders to deposit them in your bank account to pay your credit card to get points and rewards. We know your game. That is illegal. It is called structuring. If I see you here again I will call the police" She then walked away.

I left the store, went to another wallys and got the MO but wow, just wow.
Thanks for sharing. So your card balances were not affected? Is that because they have to enter money order number into POS before the transaction complete?
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Old Nov 22, 19, 10:53 am
  #1582  
 
Join Date: Nov 2008
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Originally Posted by bailey911 View Post
Been MSing for many years, lots of interesting experiences at the grocery store and Wally over the years, but yesterday deserves a special mention here

Was visiting a city in Florida, saw a neighborhood market and went in. Was getting one 799.12 MO. Machine ran out of paper. Yellow vest comes in and she's an "Academy Leader". Never seen one b4. She reloads the paper then tells the cashier 4 x 200 payments means I am using GCs to buy MOs and that is "structuring" She then proceeds to tell the cashier to be on the lookout for people who use GCs, then turns to me and says. "I am voiding this transaction. What you are doing is illegal. You are using GCs to buy our money orders to deposit them in your bank account to pay your credit card to get points and rewards. We know your game. That is illegal. It is called structuring. If I see you here again I will call the police" She then walked away.

I left the store, went to another wallys and got the MO but wow, just wow.
Lol, so they're recruiting people who don't even have the slightest clue what structuring is into managerial positions now?
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Old Nov 22, 19, 11:08 am
  #1583  
 
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Originally Posted by craz View Post
simply do whatever you are comfortable doing, some folks may have very high balances and top status with say Bank Two and can get away with most things or will be warned. Others without that clout will be shut down 1-2-3

There are some folks that simply pay off their debt using the cards. its a YMMV issue

And from the way you post and what you ask it seems youd do yourself a favor reading or rereading in the Sticky Welcome to MSing
Yes, I see your point. It all depends on each individual situation. I may mix it up - deposit some, pay off cc with some smaller ones, switch up banks, etc...definitely a YMMV thing. I have read the posts and I know my questions are more basic. I've done a bit of MS, but never with MOs yet. You and I have exchanged a few PMs as well and you know some of the things I looked into. The area I am in is very MS-unfriendly. So, I will definitely keep reading and learning, thanks!
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Old Nov 22, 19, 1:56 pm
  #1584  
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Originally Posted by deker0 View Post
Yes, I see your point. It all depends on each individual situation. I may mix it up - deposit some, pay off cc with some smaller ones, switch up banks, etc...definitely a YMMV thing. I have read the posts and I know my questions are more basic. I've done a bit of MS, but never with MOs yet. You and I have exchanged a few PMs as well and you know some of the things I looked into. The area I am in is very MS-unfriendly. So, I will definitely keep reading and learning, thanks!
Thats why I said what I did, you really need to go back to sq 1 and learn the ropes, and not to rely or hope that someone will hold your hand thru it all and simply turn over to you a person that they dont know, all the info they worked hard to accumulate and then watch it get shut down cause a noob killed it off

Personally I would NEVER paid off a CC with a GC unless you dont relish keeping the card or whatever relationship you have with the bank or issuer. I also dont deposit my MOs at my CCs issuing bank that I MS with. Now there are those who have done one or both of the above some w/o problems others not as lucky

there is a chance that you will think of something that no one else has thus far, but realize the chances are Extremely small that that will occur

Nothing and I mean Nothing can be better then simply reading the threads even those that do not pertain to you since there are always bits of info to pick-up, and if you think its a slam dunk thing to do you are dreaming, what worked for a long time will be shut down overnight w/o rhyme or reason, that csr you befriended will all of a sudden become your worst enemy, its all apart of doing this biz. But reread the 1st thread for Newcomers
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Old Nov 22, 19, 1:58 pm
  #1585  
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Originally Posted by royallyflushed View Post
Lol, so they're recruiting people who don't even have the slightest clue what structuring is into managerial positions now?
They hear a few stories and start behaving like petty police detectives and AML specialists without having a clue about how clueless they really may be. But these are jobs that are not highly-paid jobs that get the best of the best, and as the saying goes "a little (too little) education is a dangerous thing".

Sadly, I expect that there is a lot of racist, sexist and ageist profiling that goes on at times for those doing MS to try to buy MOs.
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Old Nov 22, 19, 2:46 pm
  #1586  
 
Join Date: Jun 2012
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Originally Posted by tuphat View Post
Thanks for sharing. So your card balances were not affected? Is that because they have to enter money order number into POS before the transaction complete?
When she voided it, balances returned to GCs. I used the same 4 GCs at the next wally.
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Old Nov 22, 19, 3:14 pm
  #1587  
 
Join Date: Jun 2012
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Originally Posted by royallyflushed View Post
Lol, so they're recruiting people who don't even have the slightest clue what structuring is into managerial positions now?
Not just a manager, she is responsible for training at 20 over stores. Scary.No wonder every walmart I go to has its own set of rules. Sigh.
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Old Nov 22, 19, 3:43 pm
  #1588  
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The ideal way to handle depositing money orders is to get a HELOC. HELOCs are regulated and governed by strict rules. If you're making a payment on your HELOC, the bank must accept any legal form of payment--and it's very difficult for a bank to terminate a HELOC unless your property drops in value.

In the U. S. Mint Dollar Coins days, I used to wheel $20K of dollar coins to my bank on a little cart to pay down my HELOC. I'd then draw funds from the HELOC so I owed it more money, and repeated. Tons of money orders too. My checking/savings/credit cards were shut down, but the HELOC remained. I never stopped until the deals ended.
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Old Nov 22, 19, 9:50 pm
  #1589  
 
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Originally Posted by ogg View Post
The ideal way to handle depositing money orders is to get a HELOC. HELOCs are regulated and governed by strict rules. If you're making a payment on your HELOC, the bank must accept any legal form of payment--and it's very difficult for a bank to terminate a HELOC unless your property drops in value.

In the U. S. Mint Dollar Coins days, I used to wheel $20K of dollar coins to my bank on a little cart to pay down my HELOC. I'd then draw funds from the HELOC so I owed it more money, and repeated. Tons of money orders too. My checking/savings/credit cards were shut down, but the HELOC remained. I never stopped until the deals ended.
Ha funny I just had an idea about doing this but more so that I would have an extra "biller" to pay off using BP. When you take money out, how fast do they start charging you interest? Is there a few days gap where you can create a balance and pay it off without incurring interest charges?
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Old Nov 23, 19, 12:44 am
  #1590  
ogg
 
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Originally Posted by littlewinglet View Post
Ha funny I just had an idea about doing this but more so that I would have an extra "biller" to pay off using BP. When you take money out, how fast do they start charging you interest? Is there a few days gap where you can create a balance and pay it off without incurring interest charges?
Typically you're charged interest every day you owe money. But HELOCs usually have interest rates close to the prime rate. The interest is negligible compared to the profits you'll make in MS.
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