Feb 26, 2023, 11:17 am
Last edit by: lowkeyflyer
Carried forward from 2019-2022 thread
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 in the 2019-2022 thread and add a data point with details. USB and GD gift cards do not seem to be affected.
Prior threads can be found here:
2019-2022: https://www.flyertalk.com/forum/manu...19-2022-a.html
Prior to 2019: 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
__________________________________________________ __________________________________________
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.
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
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 in the 2019-2022 thread and add a data point with details. USB and GD gift cards do not seem to be affected.Prior threads can be found here:
2019-2022: https://www.flyertalk.com/forum/manu...19-2022-a.html
Prior to 2019: 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 (2022-24)
Feb 10, 2022, 11:14 pm
#166
Join Date: May 2013
Location: Sacramento, CA
Posts: 374
Feb 14, 2022, 10:40 am
#168
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
Just wanted to report on an interesting DP.
I brought what I presumed was a secure spend card at a local drugstore (packaging said Secure Spend on the outside) but it actually turned out to be an Incomm1 vanilla card. This card does not work at all at Walmart. It appears to be read as a credit card which of course it is not and therefore never goes through. I am going to try and see if this card will work at my local grocery store but I am not hopeful. Fortunately, I only brought 1.
I am just ticked that the outside packaging said secure spend but on the inside, the card was a 1 vanilla .
All Incomm
I brought what I presumed was a secure spend card at a local drugstore (packaging said Secure Spend on the outside) but it actually turned out to be an Incomm1 vanilla card. This card does not work at all at Walmart. It appears to be read as a credit card which of course it is not and therefore never goes through. I am going to try and see if this card will work at my local grocery store but I am not hopeful. Fortunately, I only brought 1.
I am just ticked that the outside packaging said secure spend but on the inside, the card was a 1 vanilla .
All Incomm
Feb 14, 2022, 11:41 am
#169
Join Date: Jul 2021
Posts: 238
Just wanted to report on an interesting DP.
I brought what I presumed was a secure spend card at a local drugstore (packaging said Secure Spend on the outside) but it actually turned out to be an Incomm1 vanilla card. This card does not work at all at Walmart. It appears to be read as a credit card which of course it is not and therefore never goes through. I am going to try and see if this card will work at my local grocery store but I am not hopeful. Fortunately, I only brought 1.
I am just ticked that the outside packaging said secure spend but on the inside, the card was a 1 vanilla .
All Incomm
I brought what I presumed was a secure spend card at a local drugstore (packaging said Secure Spend on the outside) but it actually turned out to be an Incomm1 vanilla card. This card does not work at all at Walmart. It appears to be read as a credit card which of course it is not and therefore never goes through. I am going to try and see if this card will work at my local grocery store but I am not hopeful. Fortunately, I only brought 1.
I am just ticked that the outside packaging said secure spend but on the inside, the card was a 1 vanilla .
All Incomm
Feb 14, 2022, 7:23 pm
#170
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
I did go back and look at the packaging. Turned out I bought a 1 vanilla card that had been stashed in a group of SS cards.
My mistake. However, I now know that you can't do anything with a 1 vanilla at WM. Sorry for the miscommunication.
Feb 15, 2022, 7:40 am
#171
Join Date: Apr 2002
Posts: 2,948
I've nearly done that myself, as they look practically identical. I'm now hypersensitive to it.
Feb 15, 2022, 11:43 am
#172
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Well, it has been close to a week since the USB VGCs started giving me trouble after changing the PIN and trying to liquidate (Error PIN). I am on my way to Wally to try again, as a couple of Phillipino Call Center CSRs already told me there is NO more trouble with my VGCs. I haven't purchased any more, until I am able to offload the 2 X $500 VGCs I still have from Krogy. I will report back ...
Feb 16, 2022, 7:59 pm
#173
Join Date: Sep 2021
Posts: 24
DP: I went to a different WM in my community, to buy a $395 MO (99x4). I was denied right away ... no more gift card use, I was told.
I hope my "usual" location isn't coming down this hard.
I hope my "usual" location isn't coming down this hard.
Feb 17, 2022, 12:19 pm
#175
Join Date: Jul 2019
Posts: 11
So, when I go to one of my branches for a MO, the cashier tells me they switched from MG to WU, and is that OK? I played along and asked what's the fee? She says it's the same.
Does this change what cards are hard-wired and which are not?
Does this change what cards are hard-wired and which are not?
Feb 17, 2022, 4:56 pm
#176
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Nop, you still have to go (swipe) through Wally's POS System and Card Terminal.
Feb 19, 2022, 7:21 pm
#178
Join Date: May 2012
Posts: 89
Transaction was cancelled after 1st swipe and before the second swipe. Debit card from 1st swipe was charged and no refund. Should I be worried? Real debit card.
Feb 19, 2022, 9:12 pm
#179
Join Date: Feb 2012
Posts: 4,477
Was it a completed debit from your account, or pending? Typically there should be no charges at all for a transaction that did not complete. I would print out your account record, and discuss this with a store manager promptly.
Feb 20, 2022, 10:48 am
#180
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Reporting back. Yesterday, I was able to offload both, the VGC's from Krogy bought 10 days ago and the ones bought that same day. So we are back to business.
Only funny thing was that at 1 of my 3 local Wallys, the second one had been down for more than a week (my favorite one, but haven't been there since the first two VGCs failed due to PIN 10 days ago) as they were complaining no one had come to hook the new Western Union machine to print the new Money Orders. On the other two stores, I finally god new MO, from Western Union. So I will miss the Money Gram one, as the banks I go to where already familiar with them for deposit and credit card payments.
Only funny thing was that at 1 of my 3 local Wallys, the second one had been down for more than a week (my favorite one, but haven't been there since the first two VGCs failed due to PIN 10 days ago) as they were complaining no one had come to hook the new Western Union machine to print the new Money Orders. On the other two stores, I finally god new MO, from Western Union. So I will miss the Money Gram one, as the banks I go to where already familiar with them for deposit and credit card payments.