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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
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: fletchbo
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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 Jul 31, 20, 6:49 pm
  #2311  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
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Originally Posted by ericdabbs View Post
It could be their own made up store policy to track down who is coming in everyday and your activity which would quickly add you to their store ban list especially when you say its only one of your local WMs in your state that has this bogus policy. If your friendly CSR at this particular WM is now asking for your name and recording your name somewhere then he/she is just following the rules and can't be as friendly to you anymore.
Or worse, they could be filing a report with MG which may lead to a shut down.
radonc1 is online now  
Old Aug 1, 20, 9:56 am
  #2312  
 
Join Date: Jul 2009
Posts: 48
anyone else's MO down for the last couple days?
Unitedsux is offline  
Old Aug 1, 20, 12:46 pm
  #2313  
 
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Originally Posted by Unitedsux View Post
anyone else's MO down for the last couple days?
No. BAU for me.
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Old Aug 1, 20, 1:13 pm
  #2314  
Moderator, Manufactured Spending
 
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Originally Posted by danpeake View Post
No. BAU for me.
me too
ChrisFlyer66 is offline  
Old Aug 1, 20, 1:29 pm
  #2315  
 
Join Date: Jul 2018
Posts: 104
The two places I buy WU have machines that suck so bad that the ink is barely visible. Mobile deposit is therefore impossible. Kind of sucks. They're easy locations to hit but I only have time to go through so many drive thrus.
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Old Aug 1, 20, 2:46 pm
  #2316  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
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Originally Posted by jbandy10 View Post
The two places I buy WU have machines that suck so bad that the ink is barely visible. Mobile deposit is therefore impossible. Kind of sucks. They're easy locations to hit but I only have time to go through so many drive thrus.
Just remember that MG now has am exclusion of liability for mobile deposits, so if you lose your deposit for any reason, MG does not have to make you whole.
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Old Aug 1, 20, 3:24 pm
  #2317  
 
Join Date: Mar 2009
Posts: 1,543
Originally Posted by jbandy10 View Post
The two places I buy WU have machines that suck so bad that the ink is barely visible. Mobile deposit is therefore impossible. Kind of sucks. They're easy locations to hit but I only have time to go through so many drive thrus.
If you have a decent relationship with the CSR you could ask them if they can replace it. "I notice the ink is really faint. Do you know how to replace it?"
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Old Aug 1, 20, 3:47 pm
  #2318  
soy
 
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Originally Posted by danpeake View Post
If you have a decent relationship with the CSR you could ask them if they can replace it. "I notice the ink is really faint. Do you know how to replace it?"
Ha!
Last time my lot tried that, they took the machine down for a week
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Old Aug 1, 20, 3:53 pm
  #2319  
 
Join Date: Feb 2012
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Originally Posted by danpeake View Post
"I notice the ink is really faint. Do you know how to replace it?"
WM CSRs are not allowed to service the printer, only report problems to a MG contractor.
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Old Aug 1, 20, 7:55 pm
  #2320  
 
Join Date: Mar 2009
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Originally Posted by MaxVO View Post
WM CSRs are not allowed to service the printer, only report problems to a MG contractor.
I just know what's worked for me. My friendly CSR said she replaced the ink last time. And I've seen them call MG and follow steps to fix it.
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danpeake is offline  
Old Aug 1, 20, 8:11 pm
  #2321  
 
Join Date: Jul 2018
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Originally Posted by danpeake View Post
I just know what's worked for me. My friendly CSR said she replaced the ink last time. And I've seen them call MG and follow steps to fix it.
I should be clear. The ink on this location is always weak. I've been going there for 4 years and it has never once been even almost bold enough to work on mobile.
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Old Aug 2, 20, 11:17 am
  #2322  
 
Join Date: Jun 2011
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Originally Posted by MaxVO View Post
WM CSRs are not allowed to service the printer, only report problems to a MG contractor.
I've definitely seen WM CSRs (sometimes, more than one at a time) attempt to fix the printer.
danpeake and cuthroat like this.
nall is offline  
Old Aug 2, 20, 5:54 pm
  #2323  
 
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Originally Posted by jbandy10 View Post
I should be clear. The ink on this location is always weak. I've been going there for 4 years and it has never once been even almost bold enough to work on mobile.
MG MOs are always difficult to deposit via mobile

I've had success either darkening it with a pen or 'replacing'/covering it with a printout of the amount.
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Old Aug 2, 20, 8:44 pm
  #2324  
 
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Originally Posted by lumangoy View Post
MG MOs are always difficult to deposit via mobile

I've had success either darkening it with a pen or 'replacing'/covering it with a printout of the amount.
Doesn't matter at this point since you can't deposit them via mobile with the new wording on the MOs.
ericdabbs is offline  
Old Aug 2, 20, 9:03 pm
  #2325  
 
Join Date: Oct 2013
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Originally Posted by lumangoy View Post
MG MOs are always difficult to deposit via mobile

I've had success either darkening it with a pen or 'replacing'/covering it with a printout of the amount.
I would be extremely careful about doing anything that could be considered as altering the MO as printed. That said, for MOs with very light ink, I have hand-written the amount in blank space to the right of printed amount. At a minimum, I think this helps a teller when scanning, the machine maybe can't read the printed amount but can see the hand-written amount.
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