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Buying Money Orders at Walmart (2019 onwards)

Buying Money Orders at Walmart (2019 onwards)

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Old Sep 7, 20, 1:57 pm   -   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: SPN Lifer
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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 (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. 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 Aug 26, 20, 2:34 pm
  #2371  
 
Join Date: Jun 2019
Posts: 63
Originally Posted by radonc1 View Post
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.

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.
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Old Aug 26, 20, 3:36 pm
  #2372  
 
Join Date: Feb 2012
Posts: 2,557
Originally Posted by LUVs_2_Fly View Post
... you still have a legal tender MO you can take to the bank physically and get the bank to try again.
No, MO's are not legal tender. In this country only notes and coins issued by the Fed have that designation, and they will vigorously defend it. Seriously, it's a bad idea to misuse that term.
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Old Aug 26, 20, 3:46 pm
  #2373  
 
Join Date: Jun 2019
Posts: 63
Originally Posted by MaxVO View Post
No, MO's are not legal tender. In this country only notes and coins issued by the Fed have that designation, and they will vigorously defend it. Seriously, it's a bad idea to misuse that term.
OK, then whatever term is appropriate for paper instruments that have value like checks. stock certificates, whatever.
One thing we all do is assume paper checks and MOs are equivalents. It would be nice to know what the financial and legal differences actually are between them.

Anyway, to bring back to thread topic, I went to WM the other day and got the MO machine down rejection. Sad day. These things seems to break so much.
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Old Aug 26, 20, 4:53 pm
  #2374  
 
Join Date: Feb 2012
Posts: 2,557
Originally Posted by LUVs_2_Fly View Post
... It would be nice to know what the financial and legal differences actually are between them.
MO's have an intermediary that holds the payment in escrow until a payee claims it. The process already comes with more risks to the payer than a direct check from a bank. So when the company holding your funds tells you not to do something, it makes sense not to tempt it.
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Old Aug 26, 20, 4:54 pm
  #2375  
 
Join Date: Jun 2020
Posts: 39
Originally Posted by LUVs_2_Fly View Post
OK, then whatever term is appropriate for paper instruments that have value like checks. stock certificates, whatever.
One thing we all do is assume paper checks and MOs are equivalents. It would be nice to know what the financial and legal differences actually are between them.

Anyway, to bring back to thread topic, I went to WM the other day and got the MO machine down rejection. Sad day. These things seems to break so much.
Well you can imagine the added mileage the machines are getting from MS liquidation, lol. They didn't plan for that.
CerealCardSpender is offline  
Old Aug 28, 20, 5:11 pm
  #2376  
 
Join Date: Jan 2014
Location: TYS/BNA/ATL
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Today, when buying an MO at WMT, the register asked for ID. This happens first time in my long MS career. Did something change?
yugi is offline  
Old Aug 28, 20, 5:18 pm
  #2377  
 
Join Date: Jul 2009
Posts: 53
Originally Posted by yugi View Post
Today, when buying an MO at WMT, the register asked for ID. This happens first time in my long MS career. Did something change?
how much was the money order for?
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Old Aug 28, 20, 5:53 pm
  #2378  
 
Join Date: Jan 2014
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Originally Posted by Unitedsux View Post
how much was the money order for?
It was for $800
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Old Aug 28, 20, 6:01 pm
  #2379  
 
Join Date: Feb 2012
Posts: 2,557
Originally Posted by yugi View Post
Today, when buying an MO at WMT, the register asked for ID. This happens first time in my long MS career. Did something change?
Did the agent take longer than usual and pressed more buttons before announcing the news?
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Old Aug 28, 20, 6:49 pm
  #2380  
 
Join Date: Mar 2005
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Originally Posted by yugi View Post
Today, when buying an MO at WMT, the register asked for ID. This happens first time in my long MS career. Did something change?
Originally Posted by yugi View Post
It was for $800
Originally Posted by MaxVO View Post
Did the agent take longer than usual and pressed more buttons before announcing the news?
It has happened once to me when I was buying an $800 MO and the CSR did not press a bunch of buttons. It seems that on occasion MG wants an ID. I have not had any issues with buying MOs since then. Usually this happens with multiple swipes as opposed to one.

However, if a CSR wants to, they can initiate a request for an ID, which is why the question of multiple button pushing came up.
radonc1 is online now  
Old Aug 28, 20, 7:38 pm
  #2381  
 
Join Date: Jan 2014
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Originally Posted by MaxVO View Post
Did the agent take longer than usual and pressed more buttons before announcing the news?
It definitely took longer than usual.

Last edited by yugi; Aug 28, 20 at 8:02 pm
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Old Aug 29, 20, 1:37 am
  #2382  
 
Join Date: Feb 2012
Posts: 2,557
Originally Posted by yugi View Post
It definitely took longer than usual.
That means the agent was forcing an ID check specifically for you. I would take it as hint that you overstayed your welcome with this particular CSR and/or location. If you comply with the ID requests under $1K, many DP's indicate that either this or another agent will eventually file a SAR and you'll be banned from buying WM money orders.
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Old Aug 29, 20, 6:54 am
  #2383  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
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Originally Posted by MaxVO View Post
That means the agent was forcing an ID check specifically for you. I would take it as hint that you overstayed your welcome with this particular CSR and/or location. If you comply with the ID requests under $1K, many DP's indicate that either this or another agent will eventually file a SAR and you'll be banned from buying WM money orders.
As above.
You can find more details in this thread
Are you banned at Wal-Mart?
radonc1 is online now  
Old Aug 29, 20, 8:13 am
  #2384  
 
Join Date: Jan 2014
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Originally Posted by MaxVO View Post
That means the agent was forcing an ID check specifically for you. I would take it as hint that you overstayed your welcome with this particular CSR and/or location. If you comply with the ID requests under $1K, many DP's indicate that either this or another agent will eventually file a SAR and you'll be banned from buying WM money orders.
But for that they will need to ask for ID every time. I will not provide my ID, I never buy more than $1k at a time, and I was never asked to provide an ID before.
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Old Aug 29, 20, 9:37 am
  #2385  
 
Join Date: Mar 2005
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Originally Posted by yugi View Post
But for that they will need to ask for ID every time. I will not provide my ID, I never buy more than $1k at a time, and I was never asked to provide an ID before.
Refusing to provide ID at WM is a good way to attract attention to yourself and what you are doing.
Being asked once for an ID is not a big deal. It is when you start getting asked for it every time you go in to buy a MO is when bad things start to happen.

I would just put this WM on hiatus for several weeks prior to going in to buy another MO. I would also make certain that you are not dealing with the same CSR. If you get another request for ID on a <$1000 MO, I would write off that WM. (And I would leave without providing one knowing that I probably would not be returning for months at a minimum).
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