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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.
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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 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 Sep 21, 20, 5:42 pm
  #2386  
 
Join Date: Sep 2020
Posts: 1
MCGC running as credit - Help Appreciated

I tried for several minutes to get this to work. Cashier just kept telling me it was running as credit. I pulled up this wiki and basically told her what to do. She did it and it still didn't work. Any help appreciated!

(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.)
Herbal is offline  
Old Sep 22, 20, 9:46 am
  #2387  
 
Join Date: Nov 2016
Posts: 9
I've been wondering the same thing... I've never seen a "change payment" button appear on the terminal at my local WM, and whenever I hit "cancel" it just cancels the payment outright. Stacking up a pile of MCGCs from this week's OD/OM promotion and I'm really hoping I can figure out how to get them to work at WM.
jotakami is offline  
Old Sep 22, 20, 3:55 pm
  #2388  
 
Join Date: Feb 2012
Posts: 2,562
Originally Posted by jotakami View Post
... Stacking up a pile of MCGCs from this week's OD/OM promotion and I'm really hoping I can figure out how to get them to work at WM.
You better have a Plan B before you stack them up
nall likes this.
MaxVO is offline  
Old Sep 22, 20, 4:00 pm
  #2389  
FlyerTalk Evangelist
 
Join Date: Nov 1999
Posts: 23,154
Originally Posted by MaxVO View Post
You better have a Plan B before you stack them up

+1 , Id hit any place but Wally with a MC even if I have to get more MOs = pay alittle more, in my MC unloading locations I have no problems and havent been to Wally in the longest time to unload MCs

Nowadays the only tim eI hit Wally is when I have SMs cards
craz is offline  
Old Yesterday, 2:04 pm
  #2390  
 
Join Date: Aug 2014
Location: BOS
Posts: 449
Originally Posted by Herbal View Post
I tried for several minutes to get this to work. Cashier just kept telling me it was running as credit. I pulled up this wiki and basically told her what to do. She did it and it still didn't work. Any help appreciated!

(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.)
That worked for me recently, but MCGCs are a pain to use at WM. I only buy a limited amount of $500s and bring a VGC I can use in place of MCGC if cashier is having troubles.
DiMAn0684 is offline  

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