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)
Nov 24, 2019, 1:33 pm
#1606
Join Date: Sep 2019
Posts: 317
Many people regularly buy over $1K per transaction, show ID, and are not banned. Some have done that for many years. We don't know what causes the ban, but if it were for showing ID there'd be many more people banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
Nov 24, 2019, 3:17 pm
#1607
Suspended
Join Date: Sep 2016
Posts: 198
Many people regularly buy over $1K per transaction, show ID, and are not banned. Some have done that for many years. We don't know what causes the ban, but if it were for showing ID there'd be many more people banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
Nov 24, 2019, 5:06 pm
#1608
Suspended
Join Date: Nov 1999
Posts: 24,153
Many people regularly buy over $1K per transaction, show ID, and are not banned. Some have done that for many years. We don't know what causes the ban, but if it were for showing ID there'd be many more people banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
And if you are banned, you can still buy <$1K money orders, so if you are content to do that you might as well do >$1K until you are banned.
those who are buying > !K how much are they buying and how often?
Nov 24, 2019, 5:47 pm
#1609
Join Date: Sep 2019
Posts: 317
A Big negative to doing > $1K till you are Banned is that the csr's know you and once banned and know that, may not be willing to sell you even an MO < $1k, and yes I know a few people who ran into that, so when they go in they hope theres a csr that doesnt know they are banned
those who are buying > !K how much are they buying and how often?
those who are buying > !K how much are they buying and how often?
Nov 24, 2019, 6:11 pm
#1610
Suspended
Join Date: Nov 1999
Posts: 24,153
No--when you get that first transaction that shows you're banned, you switch to <$1K transactions. The message that shows up when you're banned simply asks the CSR to tell you the transaction can't be completed. The CSRs for the most part don't understand anything about the banning. When I get declined, I sometimes say it's a system glitch or a corrupt profile. CSRs are not in the habit of deciding to prevent someone from buying a single money order.
Not so, just like when you say you want to use more then 1 card, some csr's will continue while others will stop in their tracks and ask to see the cards youre gonna be using, knowing full well what you are up to.
same here some csr's like you said wont know whats happening, while others will fully understand , if its a reg they will probably understand what happened and then refuse to sell even < $1k.
the other night I went into a new location (not new but they moved from a small store to a Superstore nearby). They have a MC and the girl working it was checking out folks with reg items and nothing to do with the MC. Finally my turn I ask for 1 MO < $1k, and she asked to see my card and I showed a card to her and swiped a different card, once she saw I swiped she leaned over and said why didnt you input the chip and then noticed I swiped a different card and KOed the whole transaction and went on a rant how the card type I used isnt allowed, she had to be in her mid 20s at best. I walked out still shaking my head that she actually knew the score. I believe that if I walked in there again and she saw me shed tell the person in the MC to watch me like a hawk and if a person is banned and she sees them shed make sure that either you are using ca$h or a real bank DC
So unless you have a friendship outside of Wally with a csr I wouldnt count on anything, There are stores I go to and its 1 of several reg csr's behind the counter no matter when I go in, other places its constantly new faces.
Nov 24, 2019, 7:11 pm
#1611
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
The suburbs and rural areas in PA are usually better for buying multiple MOs at once. If you are only buying one MO with one swipe of your debit card, you will generally be fine anywhere in Phila or suburbs.
Avoid Norristown and King of Prussia WMs - they consistently ask to see Gebit for anything more than one swipe. Rude, lazy employees also.
Avoid Norristown and King of Prussia WMs - they consistently ask to see Gebit for anything more than one swipe. Rude, lazy employees also.
Walked to an Acme supermarket and got one for $199.01 and that was that. Glad it wasn't too long of a walk - the rainy weather was nasty this afternoon.
Nov 24, 2019, 7:26 pm
#1612
Suspended
Join Date: Nov 1999
Posts: 24,153
Hi fletchbo, I went to a Wally in Philly for the first time today. Asked for two money orders, and gave the first amount of around $195. I swiped and entered my VGC PIN. Then I gave CSR an amount of $199.12 for the second one and she stated: "you must do all MO transactions in one shot. I cannot give you another one. Must group all together and pay in one shot." I said thank you and left with the one MO.
Walked to an Acme supermarket and got one for $199.01 and that was that. Glad it wasn't too long of a walk - the rainy weather was nasty this afternoon.
Walked to an Acme supermarket and got one for $199.01 and that was that. Glad it wasn't too long of a walk - the rainy weather was nasty this afternoon.
Your mistake was not telling the csr I want an MO for $195 and a 2nd for $199.12, before swiping anything. telling them you want 2 but only say 1 amount will KO getting the 2nd, very few if any , any longer will allow you to get a 2nd MO if you didnt tell them the amounts from getgo, as they need to input both amounts at the same time and before you swipe your 1st card
Now you see why I insisted that you go back and reread everything to make sure you fully understand it all. Now its possible you would have walked out w/o any MOs once they understood you were going to swipe twice, no way to know now
Nothing is fool proof, heck the other day I couldnt understand why the heck it kept not letting the transaction to go thru, turned out a very DUMB move on my part , I was using a Visa but a Vanilla which no longer work at Wally for >$50. It hit me on my 3rd try and simply said I need to call my bank to get this sorted out and will be back
Nov 24, 2019, 8:10 pm
#1613
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
Your mistake was not telling the csr I want an MO for $195 and a 2nd for $199.12, before swiping anything. telling them you want 2 but only say 1 amount will KO getting the 2nd, very few if any , any longer will allow you to get a 2nd MO if you didnt tell them the amounts from getgo, as they need to input both amounts at the same time and before you swipe your 1st card.
Nov 24, 2019, 8:59 pm
#1614
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
Your mistake was not telling the csr I want an MO for $195 and a 2nd for $199.12, before swiping anything. telling them you want 2 but only say 1 amount will KO getting the 2nd, very few if any , any longer will allow you to get a 2nd MO if you didnt tell them the amounts from getgo, as they need to input both amounts at the same time and before you swipe your 1st card
Now you see why I insisted that you go back and reread everything to make sure you fully understand it all. Now its possible you would have walked out w/o any MOs once they understood you were going to swipe twice, no way to know now
Nothing is fool proof, heck the other day I couldnt understand why the heck it kept not letting the transaction to go thru, turned out a very DUMB move on my part , I was using a Visa but a Vanilla which no longer work at Wally for >$50. It hit me on my 3rd try and simply said I need to call my bank to get this sorted out and will be back
Now you see why I insisted that you go back and reread everything to make sure you fully understand it all. Now its possible you would have walked out w/o any MOs once they understood you were going to swipe twice, no way to know now
Nothing is fool proof, heck the other day I couldnt understand why the heck it kept not letting the transaction to go thru, turned out a very DUMB move on my part , I was using a Visa but a Vanilla which no longer work at Wally for >$50. It hit me on my 3rd try and simply said I need to call my bank to get this sorted out and will be back
Although I live near Philly, I don't even try Philly WM's when I'm down there.
Nov 24, 2019, 9:04 pm
#1615
Suspended
Join Date: Nov 1999
Posts: 24,153
Yes, I see what you mean. I'm glad I at least got one MO. But, here's the thing.....I had 2x$200 VGC. I read that multiple swipes are not recommended especially when starting out. So, I wanted to swipe one card for the first MO and then get a second MO with the second card. But according to this CSR, that wasn't possible, and you need to swipe one time for the both MOs.
My last thought on this, is you must go and read the thread and The Sticky for newcomers, if you want to continue playing this game, , nothing but nothing can replace doing that, otherwise you will continue to make mistakes and be dazzled when theres no reason to do so
I also told you a few times its 1 card per Wally, yet you insisted on trying to do 2, at least it wasnt in your neighborhood where they might remember you, the very last thing you want to do in this biz is call attention to yourself
Nov 24, 2019, 9:14 pm
#1616
Suspended
Join Date: Nov 1999
Posts: 24,153
As always, YMMV. My very-MS friendly WM makes no big deal at all about multiple MO transactions. They're aware a lot of people were banned for >$1K and don't regard it at all as being in their job description to help enforce that. I has been maxing out at 3 per visit but today the guy in front of me bought 4, so I bought 4. I think his were multiple swipes too; I think he was using $200 GC's from OfficeMax.
Although I live near Philly, I don't even try Philly WM's when I'm down there.
Although I live near Philly, I don't even try Philly WM's when I'm down there.
yep YMMV, but out of the over dz stores I go to, theres only 1 where I can do multi swipes, all then others the alarm bells go off and they want to see the card knowing full well its not a bank DC, but I still stay < $1k so that no ID is asked for. And when in an area outside my reg area no way would I try multiple swipes, since most likely it will mean walking out empty handed, rather walk out with 1 MO then 0 MOs.
Im sure some people are very lucky and they can coast as if the rules never changed, but Id venture to say that isnt the case in the vast majority of locations, unless you were friendly with a csr before walking in and they are working with you. After all the reg or printer has no idea how many MOs you are getting, no different then the slot machine has no idea if you just put in your 1st quarter or were feeding it the whole past hour. So you can get 10 MOs for $999, or 10 different people just got 1 MO each for $999, only the csr knows for sure
Nov 24, 2019, 9:50 pm
#1617
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
I was aware that it was 1 VGC per MO and not to try and get a larger MO split across multiple VGCs. I definitely was very careful about sticking to that thought process today.
Nov 24, 2019, 9:55 pm
#1618
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
Nothing is fool proof, heck the other day I couldnt understand why the heck it kept not letting the transaction to go thru, turned out a very DUMB move on my part , I was using a Visa but a Vanilla which no longer work at Wally for >$50. It hit me on my 3rd try and simply said I need to call my bank to get this sorted out and will be back
Nov 24, 2019, 9:59 pm
#1619
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
And one last post about this - yes, it was not in my neighborhood and the CSR wasn't rude or anything. Her only rule was to tell them all of the MOs you need up front and then one swipe for them all. Since I had 2 VGCs, that wouldn't not have worked for me regardless. But I said thanks to her and took my one MO and moved on. And then Acme came through in the clutch to get me the other MO. All in all, it worked out fine luckily.
Nov 25, 2019, 7:29 am
#1620
Suspended
Join Date: Nov 1999
Posts: 24,153
This is why I HATE to help new folks especially those that havent done their homework. Also why Im thrilled I didnt in any PM give out specific details
You asked up thread for info about locations near Philly, someone was extremely kind and to advise you. You then use that info to get the MOs and try and get 2 with 2 cards. Which wont happen in 99.99999% of the cases, if you didnt give them both amounts at the same time.Now maybe the csr had no idea what you were using or maybe they did and didnt care. But once you asked for #2 that could bother the csr if they knew what you were doing and make them less friendly going forward. Of cause since you live hours away you dont care. I cant remember the last time I got an MO and wasnt asked by the csr is that all you want or simiiar wording, and I say yes. Were you asked and what did you say?
the walls are slowly closing in , in many areas please dont help to speed it up