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
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.
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. Kates are a distant and pleasant memory now.
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
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.
---------------------------------------------------------------------------------
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
__________________________________________________ __________________________________________
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)
#2356
Join Date: Feb 2012
Posts: 4,470
... 'Debit not available Appr. Code -56 - along with a row of random numbers letters above it). We tried it again and got the same thing. CSR didn't ask to see my card or anything - she seemed pretty nonchalant about it, as if it was just a regular 'debit not allowed' thing. Didn't want to push it so I left. Card worked fine at the next WM ...
#2357
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,672
Odd (and disconcerting) event happened to me this morning. My apologies if this has been discussed earlier (quick scan of the last few months and I didn't see anything). One of my go to WM's (I'm in SoCal and have a good 8-10 close by) when I swiped my VGC it quickly (I mean before pin input screen) spit out a short (like half inch long) receipt for the clerk that said 'Debit not available Appr. Code -56 - along with a row of random numbers letters above it). We tried it again and got the same thing. CSR didn't ask to see my card or anything - she seemed pretty nonchalant about it, as if it was just a regular 'debit not allowed' thing. Didn't want to push it so I left. Card worked fine at the next WM - and I hit 2 other WM's this morning where cards worked fine. I've never had my cards rejected by the scan - it's usually the CSR asking for card and saying they cant' take those or the rare 'bad card' situation. It's almost like the system recognized this was a gift card as opposed to a bank debit card - which would be the disconcerting part. Anyone else have this issue? This WM do some sort of system upgrade? Just a random happenstance?
#2358
Join Date: Jan 2016
Posts: 42
Ah, good to know. I was having visions of WM having some new smart system that could identify gift cards and we are all screwed.
#2359
Join Date: Feb 2012
Posts: 4,470
They've had that capability too for at least a couple years. If a store has the policy to reject prepaids and the CSR is appropriately trained, they can tell you without seeing your card that your payment method can't be used for MO's.
#2360
Join Date: Jun 2015
Posts: 37
Wm code 56
Finally a juicy discussion. That info may be outdated on google search. I experienced the same issue last month with Kevlar expiring 1/29. I called to see if the cards were in good standing and the rep could see that Walmart is trying to charge me for a money order and the card/bank is blocking the credit to debit conversion. The several cards I had wouldn’t work at the WM in my area but did drain at grocery.
#2361
Join Date: Apr 2014
Posts: 276
I guess my local bank finally got tired of these fainted money order. They don't want to accept it. Can I just go ask for a replacement at where I brought it and pray they refill the ink?
#2362
Join Date: Feb 2012
Posts: 4,470
I wouldn't expect WM to accept a faint MO as defective. But you should be able to use it as payment for a replacement MO. It'll cost you an extra fee. Ultimately you'll need to find a less fussy bank, and avoid WM locations with printing problems.
#2363
Join Date: Apr 2014
Posts: 276
I'm going to take it to another bank tomorrow. They usually just use a pen and trace it over the amount on the MO, something must have changed. WM need to stop printing these faint MO, must be hard to change the ink cartridge or something because I have gotten a lot of fainted MOs in the past.
#2364
Join Date: Mar 2009
Posts: 2,293
I'm going to take it to another bank tomorrow. They usually just use a pen and trace it over the amount on the MO, something must have changed. WM need to stop printing these faint MO, must be hard to change the ink cartridge or something because I have gotten a lot of fainted MOs in the past.
#2365
Join Date: May 2012
Posts: 683
Mobile Deposit Prohibited
Noticed something new, on the back of WM money Endorsement, there is new verbiage " MOBILE DEPOSIT PROHIBITED", by endorsing this Money Order, I understand and agree that MOBILE DEPOSIT IS PROHIBITED and assume any and all liability for damages resulting such such prohibited deposit activity.
Does it mean we can't deposit this new format of WM MO via mobile phone? Has anyone just ignore the warning and deposit it via the mobile phone?
Does it mean we can't deposit this new format of WM MO via mobile phone? Has anyone just ignore the warning and deposit it via the mobile phone?
#2366
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,422
Noticed something new, on the back of WM money Endorsement, there is new verbiage " MOBILE DEPOSIT PROHIBITED", by endorsing this Money Order, I understand and agree that MOBILE DEPOSIT IS PROHIBITED and assume any and all liability for damages resulting such such prohibited deposit activity.
Does it mean we can't deposit this new format of WM MO via mobile phone? Has anyone just ignore the warning and deposit it via the mobile phone?
Does it mean we can't deposit this new format of WM MO via mobile phone? Has anyone just ignore the warning and deposit it via the mobile phone?
It is up to you if you wish to accept the risk and continue to mobile deposit your MO.
#2368
Join Date: Jun 2019
Posts: 66
It is exactly what it says. You accept all liability if you mobile deposit the MO. That simply means that if something goes boing in the night and the money disappears, then you are left holding the proverbial bag.
It is up to you if you wish to accept the risk and continue to mobile deposit your MO.
It is up to you if you wish to accept the risk and continue to mobile deposit your MO.
invalid or drained somehow then their is fraud involved somewhere if you have maintained possession of the paper MO the entire time.
#2369
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,422
but what liability could that be. As long as we hold the MO for 15-30 days post deposit, if something goes boink the we have the paper MO to take to a bank to try the Deposit again. If the MO becomes
invalid or drained somehow then their is fraud involved somewhere if you have maintained possession of the paper MO the entire time.
invalid or drained somehow then their is fraud involved somewhere if you have maintained possession of the paper MO the entire time.
You are prohibited from depositing the MO via mobile deposit. If you ignore this and something goes wrong, it will be on you to fix it, no matter where in the system the error is or if your deposit vanished into thin air.
All you have is a piece of paper that is worth bubkis if someone else has drained it. MG is not going to make you good. That is all that they are saying.
#2370
Join Date: Jun 2019
Posts: 66
Read the back of your MO again.
You are prohibited from depositing the MO via mobile deposit. If you ignore this and something goes wrong, it will be on you to fix it, no matter where in the system the error is or if your deposit vanished into thin air.
All you have is a piece of paper that is worth bubkis if someone else has drained it. MG is not going to make you good. That is all that they are saying.
You are prohibited from depositing the MO via mobile deposit. If you ignore this and something goes wrong, it will be on you to fix it, no matter where in the system the error is or if your deposit vanished into thin air.
All you have is a piece of paper that is worth bubkis if someone else has drained it. MG is not going to make you good. That is all that they are saying.
I understand what they are saying, but the issues that could occur from what i can tell would be that your bank and MG fail to exchange fund and complete the deposit for whatever reason. you still have a legal tender MO you can take to the bank physically and get the bank to try again.
If the MO somehow gets drained before you can make the deposit, (like sometimes happens with VGCs during fraud) and you still have the MO, you think you cant take it to the bank and get the bank and MG to fix the fraud?
I think as long as you have the paper, and its legal and valid, you can always take it to a bank and make a in person deposit and then they have to deal with it. However if you snap the pic, the mobile deposit fails, and you toss the MO then yea, you're screwed. I think that's what they are getting at. And since you can see funds available before the funds have officially cleared on the back end, people think they are good, but if your bank never gets the funds from MG, they will reverse that deposit on you up to 10 biz days later. thats why all mobile deposits programs say keep the check for 14 days before you toss it. I think MG is just making the same warning, but from their end, and with different scary wording in an effort to reduce fraudulent deposits. I wonder if there are people out there running check kiting fraud with MOs and modifying the MOs and doing mobile deposits and draining the accounts into cash before the back end transfer occurs.