Money order purchase at post office using Visa gift card declined!

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I tried to purchase a $500 MO at my local post office using a Visa gift card purchased at my local Safeway. It was decline (tried twice). The post office clerk told me he has seen this recently (since last Friday) that attempts to buy Money Orders with gift card are being declined. Has anyone have a similar experience?

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1. You swipe.
2. Yes. Tell them you want to a split transaction. Cashier will ask you how much for the card you are swipi... (more)

fwuser12 (Apr. 07, 2017 @ 6:15p) |

What do you guys do with metabank (Mcafee/Norton rebate visa) GCs?

matrix5k (Apr. 07, 2017 @ 10:55p) |

Reload them to Amazon, buy gas, pay bills, etc.

rechtien (Apr. 08, 2017 @ 3:35p) |

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Not the same but I had one of those rebate MC or VISA denied. it turns out I had to use it as a debit and requires me to get a PIN.

I did use the last 4 digits of my Visa debit gift card number for PIN as it was in their instructions (twice) and failed!

Try your luck elsewhere that sells MO's (such as WM or even a SuperMarket).

If that fails, make a purchase at WM that's OVER $500, then ask the cashier to split the payment.  Have the first split be exactly $500 and pay for it w/ your VGC as a DEBIT transaction.  Pay for the remainder of your purchase on a REAL debit card (also as a DEBIT transaction).

A day or two later, return the item. If WM insists on refunding it back to a debit card, hopefully they'll be OK w/ doing so just on your REAL debit card. They may instead refund your debit purchase in CASH (I've had that happen once when I bought something w/ a $30 Rebate VGC.  I hadn't planned on returning it and was expecting the refund to go back to the Rebate VGC.  Was pleasantly surprised when they handed me cash instead).

Note: I don't recommend the procedure above for regular MO liquidation (especially since there can be loooong lines at WM Customer Service counters and doing it frequently will likely draw unwanted attention), but for one-off situations, should be fine.

*EDIT* You can probably do this safely with up to three (3) VGC's in a single purchase (that totals OVER $1500).  In my experience, WM registers permit up to FOUR (4) payment splits. Three (3) splits will need to be for $500/ea (each charged to a separate VGC).  The 4th split will be the remainder charged to your REAL debit card.  If you're certain that WM will refund you in CASH, then you can try your luck w/ FOUR (4) VGC's, but you should then keep your purchase total AT OR BELOW $2,000 (including tax) since a 5th payment split may not be permitted (don't even know if you can do a 5th payment split in CASH).

*EDIT2* Actually, after further thought, I think you can do a 5th payment split in CASH. I've previously purchased $2000 worth of MO's from WM, paying the MO fees in CASH while paying the actual $2000 as four payment splits of $500/ea.  The maximum WM MO amount is $1000, so if you want to buy $2000 worth, you have to buy two MO's of $1000/ea (thus incurring two MO fees).

Last time (early in 2016) WalMart strictly refused gift cards for money orders in my case. I was able to use it at the post office, though (this was early last year).

Gift cards come in brands. Late December or early January, the Post Office stopped accepting META BANK gift cards. Some other money orders brands may still be okay at many post offices.
Meta Bank gift cards were fine at many Wal-marts. YMMV as some Wal-marts have stopped accepting gift cards for Money orders. Some grocery stores will sell you a money order cheaper than the post office. YMMV.

Does anyone know of any cards that do work? Maybe we can come up with a list.

There's a 100 page discussion about this on flyertalk.

I will summarize those 100 pages in the following paragraph.

Currently, any Bancorp-issued Vanilla-branded single-use Visa or MC gift card that runs on the Incomm network will work.  Any and all others will not.

Be careful to remember your pin, since you don't set it ahead of time and select it at random on first debit use of the card.  I use digits 9-12 of the account number on the face of each card, but that's just my own personal system.  You can use whatever system you like.  Always have a backup funding source such as cash, a real bank-issued checking-linked debit card, and/or an extra Vanilla gift card.

BrunoB said:   I tried to purchase a $500 MO at my local post office using a Visa gift card purchased at my local Safeway. It was decline (tried twice). 
  Go back to Safeway and ask for your money back.

Safeway is among the low fees to purchase money orders but they only accept cash.

DTASFAB said:   
Currently, any Bancorp-issued Vanilla-branded single-use Visa or MC gift card that runs on the Incomm network will work.  Any and all others will not.

Any suggestion on how to identify such cards?

supersnoop00 said:   
DTASFAB said:   
Currently, any Bancorp-issued Vanilla-branded single-use Visa or MC gift card that runs on the Incomm network will work.  Any and all others will not.

Any suggestion on how to identify such cards?

Look at the package the card came in or look at the back of the card.  

DTASFAB said:   Always have a backup funding source such as cash, a real bank-issued checking-linked debit card, and/or an extra Vanilla gift card.Can't they void the MO transaction if the card doesn't work?
  

NoMoneyInMyWallet said:   
DTASFAB said:   Always have a backup funding source such as cash, a real bank-issued checking-linked debit card, and/or an extra Vanilla gift card.
Can't they void the MO transaction if the card doesn't work?
  

  Not if you're halfway through swiping four cards to buy $2K.

which store can still buy bankcorp visa/master gift card using credit card? need to set up PIN after purchase, right?

BrunoB said:   I tried to purchase a $500 MO at my local post office using a Visa gift card purchased at my local Safeway. It was decline (tried twice). The post office clerk told me he has seen this recently (since last Friday) that attempts to buy Money Orders with gift card are being declined. Has anyone have a similar experience?
  
What brand of Visa prepaid card did you use? 

Please forgive my ignorance. I've been searching for hours and can't find the below specific information:

When buying money order with multiple USBANK Mastercard GC at WalMart,

1. Do I swipe on my terminal, or do I need to hand to the cashier.
2. Does the cashier have to do anything on their terminal to split the transaction, or can I just keep running them through until I pay the balance.
3. If I'm running through the terminal, do I input the amount at some point.

bluegreenegg said:   Please forgive my ignorance. I've been searching for hours and can't find the below specific information:

When buying money order with multiple USBANK Mastercard GC at WalMart, 

1. Do I swipe on my terminal, or do I need to hand to the cashier.
2. Does the cashier have to do anything on their terminal to split the transaction, or can I just keep running them through until I pay the balance.
3. If I'm running through the terminal, do I input the amount at some point.

  
Best to just buy with cash. It's much safer and you won't have to worry about making any mistakes that bring attention. 

I remember when I used to get tens of thousands worth of these every month back in the good old days when Charter One was selling them! Even better than that was when I could get certain Travelers checks via over night delivery, free no less, ahh the good old days. I even forced an issuer under threat of legal action to cut me a check for a card once because it couldn't be used as advertised to withdraw money. Now all the loopholes to get points have been severely curtailed, such a shame...

bluegreenegg said:   Please forgive my ignorance. I've been searching for hours and can't find the below specific information:

When buying money order with multiple USBANK Mastercard GC at WalMart, 

1. Do I swipe on my terminal, or do I need to hand to the cashier.
2. Does the cashier have to do anything on their terminal to split the transaction, or can I just keep running them through until I pay the balance.
3. If I'm running through the terminal, do I input the amount at some point.

  Data Points: 1. You swipe. 2. Cashier could/may check to see if your card is a gift card and reject. 3. Cashier registers the amount and asks you to swipe.

bluegreenegg said:   Please forgive my ignorance. I've been searching for hours and can't find the below specific information:

When buying money order with multiple USBANK Mastercard GC at WalMart, 

1. Do I swipe on my terminal, or do I need to hand to the cashier.
2. Does the cashier have to do anything on their terminal to split the transaction, or can I just keep running them through until I pay the balance.
3. If I'm running through the terminal, do I input the amount at some point.

  1. You swipe.
2. Yes. Tell them you want to a split transaction. Cashier will ask you how much for the card you are swiping. Swipe and then repeat same for second card.
3. No. It is done by cashier. You just swipe and input PIN.

What do you guys do with metabank (Mcafee/Norton rebate visa) GCs?

Reload them to Amazon, buy gas, pay bills, etc.



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