It seems like there are a million different ways to pay for things these days: Cash, credit cards, Cash App, Venmo. Even money orders.

Like if your landlord requires one for a security deposit on your apartment. So we’re breaking down everything you need to know about them, in case you need to buy and fill out a money order.

Except they give the payee direct access to cash vs having money come out of a banking account with a check. And money orders can be issued by a bank or credit union, Western Union, MoneyGram, or USPS.

(Sorry, credit cards generally aren’t accepted to buy a money order.) Once you’ve got the money order, just give it to the person you’re paying via a handoff, snail mail, or any other way. And they can cash it at their bank, credit union, or a check cashing store to get their money.

Oh, and they also don’t expire. Ever.

But there are a few instances where they might be the better way to pay. Like, if you don’t have checks for your bank account.

At one of the tens of thousands of stores that offer them. Like your local post office, most banks and credit unions, and even Publix or Walmart.

Money orders may look slightly different depending on where they’re sold. But the steps to fill it out are the same:

Be sure this part is correct. Otherwise, the money order could be rejected.

Which is why it’s important to fill in this info ASAP. Purchaser’s address: Write your full address on this line.

Memo: This is optional, but it’s a good idea to write the purpose of the payment on this line to help the payee with recordkeeping. Example: Is this money order tied to your rent payment for a specific month or account number for a utility bill.

Signature: Sign this line to seal the deal on your payment. Heads up: If you make a mistake while filling out the money order, you’ll need to head back to the location where you bought it and ask for a new money order or refund.

And since it isn’t linked to a specific bank account like a check, you’d have to contact the issuer of the money order to see if it’s been cashed. The process will take some time and may cost you a fee.

Checks aren’t your only option when it comes to paper forms of payment. Not only will opting for a money order protect your account info, but it comes with convenience, too.

As proud Western Union agents, our money order services provide a secure way of sending money anytime, anywhere. A money order is similar to a check, but much more reliable.

Most businesses accept money orders when they may not accept typical forms of payment, such as checks or credit cards. This is due to the simple fact that money orders are incredibly reliable and risk-free.

The money order never expires, so you can use it whenever the time is right for you.

Simply provide your cash deposit plus a 75-cent fee, and receive your money order. You are free to give the money order to anyone and use it anywhere money orders are accepted.

As a trusted Western Union agent, we make it easy to purchase a money order at any of our convenient locations throughout the Midwest. Money orders are one of the most reliable ways to send money or make payments.

Once deposited, your money is secured until the proper recipient claims your money order. The money order will never bounce, unlike a check.

As a certified partner with Western Union, money orders from any one of our locations are the most reliable and secure alternative payment solution for you.

Effective 6/1/18 We will only be able to do payouts of $500 maximum.

Croix Shipping and Handling LLC offers Western Union Money Transfers. Send money where ever you need to send it in the world.

When you need to pay a bill, but checks aren’t accepted, a money order may be the solution. St.

What are they. Money orders are a secure payment method.

Money orders are a good way to send an alternative to cash that never expires. Purchase a money order for a certain amount from St.

If a money order is lost or stolen, you may be able to have it replaced. St.

We can also send your money order via FedEx, UPS, Spee-Dee, DHL, and USPS to guarantee it arrives on time.

In the sections below, we’ll walk you through the five-step process for filling out a money order.

A money order looks similar to a personal check though you’ll need to fill in additional information such as your address and the account number associated with the business you’re paying. When you first ask for a money order, the teller fills in the payment amount you’re requesting.

One of the most important parts of the money order is the name of the person you’re sending the payment to. If this is wrong, that person can’t cash the money order.

Make sure you spell everything correctly. Right under the “Pay to” section is the purchaser’s address field.

Fill this section out. If there’s a separate line for the recipient’s address, fill that out as well.

Toward the bottom of the money order, you may see a section labeled “Memo,” “Account Number” or “Payment for.” You won’t write your bank account number on the memo line, but rather your account number or order number associated with the business you’re paying. For example, if you’re paying a utility bill, you’ll write your account number for that utility company.

You’ll sign the front of the money order. This makes the money order official, allowing the recipient to cash it.

No matter where you get a money order, the teller or cashier will offer you a receipt. Always take this receipt, as it has your tracking number for the money order and gives you proof of purchase.

Regardless of the industry you’re in or the offerings you provide, when you choose to partner with another company, it’s vital that you align with that company’s vision. Failing to do so could lead you to a relationship that looks like a good option on paper, but in reality, provides no return on your investment.

Researching walk-in financial providers can be a hassle, so we’ll save you some time. Here’s everything you need to know about Western Union, their advantages, who they serve, and whether they’re the right fit for you.

Because they’ve been in business for years and their name is well-recognized, it’s easy to trust Western Union as a partner for your small retail store. However, upon second glance, like many big chains, Western Union may not have your best interest in mind.

An advantage that Western Union provides is the ease with which their end users can complete a transaction. More specifically, they offer the ability for cash-paying users to make a money transfer online, through their app, or in person at an agent’s location.

Western Union has more than 42,000 convenient agent locations around the country which makes it easy for customers to find access to the financial services they need. However, these locations are losing the opportunity to earn customer loyalty and higher revenues because Western Union makes their website a focal point over agent locations.

Their approach to the market is not designed to help agents like you get the business you need. Western Union also requires agents to maintain a level of volume on certain products to preserve pricing on other products.

Fidelity Express is another player in the walk-in financial products space, but our approach is vastly different. We specialize in providing services that bring returning business to your location.

Though we partner with fewer agents than Western Union, we have a much greater capacity and passion for providing each agent with the utmost care they deserve. Your store is our priority.

We are in the business of helping the independent retail location so they can better help their customers. Plus, you can’t beat the simplicity of our offering.

It is very user-friendly for your employees to learn and train. You’ll quickly earn customer trust as they see how quickly and easily they can make a transaction at your store.

Moreover, your experience with us is not dependent on volume so you don’t need to maintain a specific level of volume on certain products and retain our low pricing on other products. We set a monthly minimum of $59, and that minimum can be achieved through transacting on any of our products.

Though well-recognized with plenty of experience, Western Union is only there to help their end users, and to earn a revenue for themselves. Since they draw traffic away from your store and have pricing models that are contingent upon volume, you risk losing money when you choose Western Union.

Our customers are single-store and small chain owners who diligently serve their communities. With easy to use software, affordable pricing, and a mission to help agents like you, the choice has never been more clear.

Money orders allow you to securely send or receive payments, providing an alternative to cash, checks or credit cards. They are similar to checks, but, because they’re prepaid, money orders can’t bounce.

It’s important to know what information you’ll need to fill one out and where that information goes. In this article.

Postal Service. Each institution’s money order may differ slightly in appearance as well.

You’ll also need a form of payment to purchase the money order. Some issuers limit your payment options, too.

Write the name of the payee of the money order in the “pay to” or “pay to the order of” field. This could be a person’s name or the name of a business.

It’s important to fill out this section as soon as you purchase the money order, since this will be the only person authorized to cash or deposit it. If the money order is lost or misplaced without a payee’s name written down, it could be liable to fraud and someone else could write their name on it.

Fill in your address where the money order asks for the purchaser’s address. There may be a second address field for filling in the address of the payee.

A memo line allows you to note what the money order is designated for. The memo might specify that it’s a purchase for a particular item or a payment toward a debt, for example.

Some money orders may say “payment for” or “account number” instead of memo. Sign the front of the money order where indicated.

Don’t sign the back of the money order, which is where the payee endorses it. Be sure to keep the receipt because it contains a tracking number, which can be used to find out whether the right person cashed the money order.

A processing fee may apply for replacing a money order. The receipt can also help you cancel the money order should your plans change.

Postal Service, many grocery stores and some big-box stores. Avoid using a credit card to purchase a money order, since your credit card company may consider the purchase a cash advance and charge steep fees.

There may be limits on the size of the money order you can purchase. The Postal Service, for example, allows you to buy money orders up to $1,000 if you’re sending it within the U.S.

Money orders can be a useful alternative to checks or cash for paying bills, paying off debt or making large purchases, especially for those who don’t have a checking account. They’re a safe paper option for those who want to avoid a payment bouncing — they can’t be declined for insufficient funds, since they are prepaid.

Additionally, money orders are a good alternative to electronic payments when you prefer or are required to send money through the mail. They don’t contain bank account information, so it won’t end up in the wrong hands.

Money orders can be a useful way to send and receive money. They are a widely accepted way to make a payment, they never expire, and if they are lost or stolen, they can often be replaced.

Just be sure to fill out every field of the money order and write legibly, so that it’s not returned. –Freelance writer Mitch Strohm contributed to a previous version of this article.

If you need to send money to the UK, you can do it through Western Union. As it’s a global network with around 500,000 branches worldwide¹, you can also use it if you’ll be visiting the UK and need to make a payment to another country.

But is it the best or even the cheapest option around.

See if you can save with Wise.

The first is the upfront transfer fee charged by the provider, and the second is the exchange rate. The transfer fee when using Western Union varies depending on where you’re sending money to and from, and the amount.

credit/debit card, bank transfer). To give you an idea how much it’ll cost you to use the service, let’s take a look at a couple of simple examples.

You’ll be using a bank transfer to send money straight to the recipient’s bank account. Here’s what it could cost you to use Western Union, compared to another provider, Wise:

Now, let’s see how much it’ll cost with each provider to send money from the UK to the US: *Rates and fees accessed September 9, 2020 at 10:32 UTC.

Your bank balance will thank you. Remember that exchange rates change all the time, so different rates than the examples given here may apply to your transfer.

Some providers such as Western Union offer lower fees but a poorer exchange rate compared to alternative services. They add a mark-up to the mid-market exchange rate, which is the one you’ll see when you do a Google search or look on currency sites like XE.com.

Not all international payment providers do this, however. Send money online with Wise and you’re always guaranteed the mid-market rate.

These include bank account transfer and cash pick-up, where they need to go to a Western Union branch to receive the payment in cash. You can also fund your payment in lots of different ways.

If you’re sending to the UK, you can pay by²: If you’re sending from the UK, choose from the following payment methods²:

Some transfers are completed in just minutes, while others take up to 5 business days². Cash pickups tend to be the quickest.

Do the same transfer to the recipient’s bank account, and they may have to wait up to 4 business days². With Western Union, you can send money to over 200 countries and territories⁴.

Western Union has limits on how much money you can send per transaction. If sending to the UK, you can send between $1 and $5,000 USD at once⁶.

However, if you’re sending from your bank account to the recipient’s bank account, you can send up to $50,000². If you’re making an international transfer from the UK, you can send up to £799.99 in one go without having to verify your ID.

If you’ll be making a bank-to-bank transfer from the UK, you should be able to send up to £50,000². Western Union has a number of helpful guides on its website for using the service, but you can also get customer support by email or phone if you need further assistance.

There are over 5,200 Western Union branches across the UK², so it should be relatively easy to find a local branch near to you. When you arrange a transfer with Western Union, you’ll be given a Money Transfer Control Number (MTCN).

So, that’s you all clued up on using Western Union to send money to and from the UK. It can be quick, easy and inexpensive in some circumstances, but not all – remember to do a few quick checks before hitting ‘send’ on that international transfer.

Sources used: All sources checked on September 9, 2020.

It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication.

Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

Despite a sea of change in the payment industry toward fintech, money orders still have their place in the digital era. For instance, in Q1 of 2021, Federal Reserve data shows that over 18 million money orders totaling $5.1 billion were processed.

Money orders offer a secure payment alternative to cashing personal checks, cash, and debit and credit cards with chips when making purchases or sending and receiving money. Also, money orders show your checking account info, unlike personal or third-party checks that carry your banking details like a routing number and account number.

Also, money orders are like prepaid checks and guarantee payment to the payee. Therefore, they don’t expose your checking account to expensive “insufficient funds” overdraft fees.

They’re widely accepted, and you’ll find many places you can cash or pay with a money order. So whether you want to buy used furniture, secure an apartment lease, buy a used car, pay unknown merchants, or buy income-producing assets by sending money via mail, a money order makes it easy.

Throw unexpired debit cards and credit cards into the mix, and you’ll see why money orders and paper checks are vanishing as a common form of payment.

That’s why many people, especially the young generation, want to know how to fill out a money order.

Short Answer: Filling out a money order is pretty simple. At the minimum, you’ll need to fill in your name and address, the recipient’s name and address, and sign the front.

It allows you to state the purpose of the money order and the payee’s account number if you’re paying a bill. Also, money orders come with the date and the amount pre-printed, so you don’t have to fill these sections out.

For instance, Publix sells Western Union money orders up to $500 each, while Walmart and CVS sell MoneyGram money orders. Most places that sell money orders allow you to pay with cash, check, debit card, or Reliacard debit card.

It’s also not advisable to use credit cards to purchase money orders. Your credit card issuer may consider such a purchase a cash advance and charge you with cash-advance fees or penalty APR until the balance is paid off.

Generally, the process of filling out a money order is the same regardless of where you purchased it. Only slight variations exist in the number of fields to complete.

Generally, the following information is needed to buy a money order: Payee Information.

You need to fill in their information, including their legal name and residential or business address. That information should go in the field marked with “Pay To The Order Of” on the front of the money order.

Select money orders, like those made out at USPS, include an “Address” field where you should write the recipient’s address. Frugal Reality Tip: Never leave the “Payee” section blank.

To prevent money order fraud, fill out the recipient’s details on the spot. Purchaser’s Details.

So just write your full name and address in the field labeled “From.” The field may be also be marked “Purchaser,” “Sender,” or “Remitter.” USPS money orders have a separate address field where you should write your current mailing address. That helps the recipient contact you with any questions about the payment.

Some money orders carry additional fields where you can write notes stating the purpose of the payment or the payee’s account number. Fill that information in the fields labeled “Memo,” “RE:,” “Note”, or “Payment For/Account number” when paying a bill payment.

Sign The Front. You’ll need to sign the money order to make it official.

Double-Check Everything. Take a minute to review all the details for accuracy and spelling mistakes.

Instead, notify the cashier so that they can print another one for you.

You don’t have to worry about security or fraud if the recipient’s info is filled out. Keep The Receipt.

If your money order is lost, stolen, or you want to cancel the payment for some reason, you’ll use the receipt to claim a refund. Again, the receipt carries tracking information to help you monitor and confirm whether the payee has cashed the money order.

That’s how easy it is to fill out a money order. Keep reading below to learn how to fill out different types of money orders, including MoneyGram, Western Union, and the USPS money orders.

Most places have MoneyGram money order limits of $500 to $1,000 per each. Once you buy one, you need to make sure that you properly fill out a MoneyGram money order so that the recipient won’t experience difficulties cashing or depositing it.

Frugal Reality Tip: MoneyGram money orders don’t require the recipient’s address, so you only need to write your physical address on the address line. The MoneyGram money order check number is a 10 or 11 digit number.

The MoneyGram money order serial number is usually printed in red in the left-hand margin or on the purchase receipt. MoneyGram money orders will cost less than $2 at grocery stores and other retail locations.

For instance, CVS sells $500 MoneyGram money orders for $1.25 each, while Walmart’s $1,000 MoneyGram money orders cost about 70-88 cents each. Banks and credit unions usually offer free money order purchases as a perk to customers, but non-customers may pay a fee of $5-$10 per money order.

Publix is a good place to buy and fill out Western Union money orders. You can also buy Western Union money orders at Meijer, Kmart, Kroger, Albertson’s Hy-Vee, and many other grocery stores and retail locations.

Once you’ve purchased your Western Union money order, follow these steps to fill it out correctly and save the recipient any payment hassles. Western Union money orders have an 11-digit check number needed to track the payment status on the Western Union website.

You can also find it on the purchase receipt above the barcode. The Western Union money order cost will vary based on the amount and the issuing place.

For instance, Kmart sells $500 money orders for about 69 cents, while Meijer charges a fee of 65 cents for a $500 Western Union money order. Generally, the fee is less than $1 for a $500 money order and less than $2 for $1,000 at most places.

You can purchase a US Postal money order at the post office. USPS money order limits are usually $500 or $1,000 each.

But, surprisingly, they don’t require you to sign the front. Follow these steps to fill out a Post Office money order.

You’ll find the USPS money order check number printed at the top left corner between the USPS log and the “Pay to” line. You can also locate it on the purchase receipt at the bottom left corner.

Also, military money orders issued by a military postal facility are the cheapest, only costing about 40 cents. Find a nearby US Post Office to get a money order.

It has over 4,700 branch locations and about 16,000 ATMs that dispense $10 bills near me. Chase is a convenient place to buy mo.

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If you need to send money abroad, you have a number of different options. Using a bank may mean a steep fee, and there’s a high chance your transfer will be processed using the SWIFT network, which can mean extra charges, too.

If you’re thinking of making an international transfer with Western Union, here’s all you need to know. Western Union is one of the largest money transfer services in the world.

You’ll also be able to select how you want your recipient to get their money, with options including direct bank deposits, and cash for collection or delivery. The exact options you have with Western Union will depend on where you’re sending money to — but you can easily model your payment online or call into a local branch to check which services are available in your destination country.

You can do this online or in a store, and depending on the transfer type you’re making you might need to also complete a verification step. This usually involves showing or uploading an ID document.

If you’re sending a transfer to someone’s bank account you’ll typically need the following: Recipient’s name as shown on their account.

Recipient’s bank account number or IBAN. Recipient’s bank SWIFT/BIC code.

You can send a Western Union payment to yourself, which can be handy if you’re traveling somewhere without access to ATMs and don’t want to carry too much cash, for example. This service is designed mainly for people who are traveling.

Making an international transfer with Western Union is fairly straightforward. You can go to a local location to process the transaction if you need some help and want to deal with someone face to face².

Before we begin, it’s important to know that there are many scams which ask people to send money via Western Union. Make sure you’re confident that you’re sending money to the right person, and for a genuine reason.

Similarly, Western Union isn’t intended for online shopping like a service such as PayPal, and so it doesn’t have the same levels of buyer or seller protection as a service specialized in this area. This means it’s not usually a good choice for online shopping or buying products through a service like Craigslist.

We covered the answer to the question: what does Western Union need to send money, earlier — so scroll up for the lowdown on what’s required according to the payment type. Now you need to decide how to process the transfer — in a branch, online, or on the phone².

If you want to process your transfer online you’ll need to first create a profile to do so. Once you have a profile, either on the website or app, you just select Send Money and follow the steps set out.

Some transfers can be carried out on the phone using a credit or debit card. However, this option won’t be available for all transfers, so check the availability in your particular circumstances².

You’ll be asked how you wish to pay for the transfer, and in most cases, you can choose between cash if you’re in a branch, while online you can use credit or debit card, or a bank transfer. The charges and fees for these different payment methods vary widely.

When you place the transfer, you’ll get a MTCN reference number. This is used by the recipient to collect the cash³.

The MTCN (Money Transfer Control Number) is a tracking number given when you place your transfer and can be used if you need to trace the payment³. You can do this online, or by visiting a branch for help³.

The estimated processing time is shown at the point you place your transfer, and you can then track the progress of your transfer using your reference number if you need to. Once the transfer is processed your recipient can collect it in a Western Union office, or draw it directly from their bank account if you opted for a bank transfer instead.

The funds will simply be deposited into your account once the payment has been processed. However, if you’ve agreed on a payment for cash collection, you’ll need to head to a Western Union agent near you with your government issued ID and the MTCN that the sender has given you.

The costs to make a transfer will vary, depending on where you’re sending money, how the payment is funded, and how the recipient receives the money. Let’s take a look at an example of the fees you might see, sending 600 USD to a friend in the UK:

Recipient gets money into bank account: 0.99 USD transfer fee. Recipient collects cash: 6.99 USD transfer fee.

Recipient collects cash: 23.99 USD transfer fee. Recipient gets money into bank account: 29.94 USD transfer fee.

Recipient gets money into bank account: 8 USD transfer fee. When you’re calculating the costs of a transfer on the Western Union website, you’ll find the following disclaimer in the footnotes:

When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors.” ¹.

Firstly, find the mid-market rate for your currency online. That’s the rate used by banks and financial institutions on the open market — however, it’s not often passed on to customers.

This isn’t transparent and can mean that customers pay more than they need to. Some services like Wise use the mid-market rate, and apply only a small transparent fee to each transaction.

🚀 Get a Wise Account. The exchange rates used by both Western Union and traditional banks typically include a markup on the real exchange rate.

That means that a good way to check which is the best value is to call into your bank to get their rates and then compare them online with the rate for your currency pairing offered on Western Union. Don’t forget to compare both rates with the mid-market rate, too.

You can choose to make a payment in cash, by visiting a branch in person — or using a credit or debit card, or bank transfer. The fees applied vary depending on the payment method, with credit or debit card payments usually costing more than a bank transfer, for example.

Up to 3,000 USD. Up to 50,000 USD.

Just a few simple steps and you’ll be on your way. However, before you start, it’s well worth checking out other methods of making the transfer to see if there’s a cheaper way to transfer your money.

Set up your Wise account. Sources:

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely.

Money orders provide a method of secure money transfer to friends and family members. Credit cards can be used to purchase money orders, but finding merchants who allow customers to use credit cards is difficult.

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

A money order is a paper form of payment similar to a personal check. People generally use money orders as a check or cash alternative when they’re seeking extra security and traceability.

The order must be made out to a specific person or business who receives the paper and can cash it at a different location—with ID in hand. Money orders have advantages such as traceability—with a receipt that usually has the date of purchase, dollar amount and banking code.

Money orders are useful for sending quick funds to a friend or family member either locally or even internationally. People who don’t have a checking account can still buy a money order to send cash to someone else.

For example, if a retailer has a value limit of $1,000 for one money order, and the purchaser wants to send $3,000 to a family member, they will likely have to purchase three separate money orders. Most retailers or merchants charge a small fee for every money order purchased.

Many retailers or merchants don’t allow money order purchases with a credit card so it’s always better to consider using cash or a debit card first. If a retailer will allow money order purchases with a credit card, keep in mind that many credit card issuers treat money order purchases as cash advances.

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Purchasing a money order with cash or a debit card is usually a better option than buying one with a credit card, even if a retailer accepts credit cards for money order purchases. Most merchants don’t accept credit cards for money order purchases anyway.

Most credit card issuers treat money order purchases as cash advances, which could send the cardholder into spiraling debt if they cannot pay off the cash advance as soon as possible. Interest begins to accrue on the day the purchase is made and usually at a higher rate than for regular purchases.

“A money order is a method of sending a prepaid amount of money to somebody,” explains Chane Steiner, chief executive officer of Crediful. “It’s considered very secure and is an excellent way to send money quickly in situations where a personal check is not appropriate.

Here’s how to cash a money order quickly and securely. The best banks also allow you to deposit money in a bank account if you prefer.

See Insider’s best checking accounts>>. The first thing to do when you receive a money order is double-check its value to make sure the amount is correct.

Also, make sure the name on the money order matches the name on your ID. You’ll also want to verify that the money order is legitimate.

Locations include a bank, credit union, grocery store, post office, retail store, or some convenience stores. Many retail locations have a money transfer outlet like Moneygram or Western Union counter to make the process convenient.

Bring your money order to a location that will cash it. If you receive a USPS money order, you can cash it out for free.

If you go directly to the place that issued your money order (again, that could be a place like Western Union, Moneygram, or Walmart) you might be able to minimize your fees. Going directly to the issuer is also a way to verify the money order.

The longer you hold on to the money order, there’s a chance it can be lost, damaged, or misplaced. Plus, cashing a money order quickly is a way to protect yourself against possible fraud, since the sender can cancel their money order.

This will include a picture ID: a driver’s license, passport, or other government-issued ID. You will need an ID to cash a money order.

add a signature to the back of the money order when you are at the counter. “Sign your money order only once you are handing it over to be cashed.

The fees tend to be low — a few dollars, or a percentage of the total. Count the money that you receive, and make sure to get and save your receipt.

You don’t have to tell them, but you might want to consider updating the sender that your transaction is complete. Yes, you may cash a money order at a financial institution, post office, or select retailers like Walmart.

Some financial institutions let you make a mobile money order deposit, but not all do. For example, the U.S.

I’ve just continued right on depositing them in my Wells Fargo mobile deposit. After about 10 over the last few weeks, I had one mobile Deposit tell me “go to branch to deposit”.

I am keeping the deposited MOs though just in case. goodness it is October 24th and just bought my first money order in some months and I just noticed that it says mobile deposit prohibited.

I don’t even have a local bank. we bank with USAA.

SAME here. I just got 3 of them and started to fill them, then noticed the mobile deposit prohibited marking.

What did you do. We also bank w USAA and therefore do not have a branch option….

I was thinking about trying it anyway… but have paused. Get a local CU.

Meijer did not have the language as of today. happened in the past.

How were you able to make the deposit.

all of Kroger and wally prints Western Union. can’t go to branch for each deposits.

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Money orders can be a great way to exchange funds if you prefer a non-electronic option but don’t have access to paper checks from a bank account. Although there’s a level of convenience associated with this payment type, but you still have to check if the money order is a possible fake.

Your bank could hold you responsible for those funds or any other fees assessed with returned payments or insufficient funds. For this reason, it’s worth taking a moment to learn about spotting fake money orders.

There are different kinds of money orders that come from different places like banks or other financial institutions. We’ll go over a few common money order types and how to spot fake ones.

One of the first things you can check on a money order is the dollar amount. Money orders have limits, and if you get a money order with a high dollar amount than a money order allows, you can be sure it’s fake.

According to the USPS website, here are ways you can check the authenticity of one of their money orders:.

The USPS provides a way to verify money orders. If you’re not sure if the money order is real or not, you can call the U.S.

You can also report any suspected fraud by calling the U.S. Postal Inspection Service at 1-877-876-2455.

If you don’t see any of this information, that is a huge red flag and could mean that a money order is fake. Photocopied money orders may also show obvious markings like “void” or “copy” on them.

If you see these markings, then your money order is fake. Other clues include dollar amounts over $1,000, smudged ink or flimsy paper stock.

The optimal verification step would be to bring the suspect money order with you to the bank that issued it. This way, you can hear from the source whether or not the money order is legitimate with the right funds behind it.

You can cash it right away (be prepared to provide the necessary documentation to verify your identity). Just like any other money order, you will look for security features such as watermarks that should be visible when held to the light, legal amounts, etc.

Both Western Union and Money Gram money orders also have a receipt you can tear off for your records. If they are real, these money orders should have perforated edges on one side.

If you deposit a fake money order, there’s a chance that the bank will cash it and make the funds available right away. In some cases, the bank may hold back a portion of the funds until the money order is verified.

Here’s what you can expect to pay at different banks for return deposit fees: If you are dealing with someone you don’t know, you are more likely to be a victim of financial fraud.

When dealing with people you don’t know, accept digital payments or be prepared to verify your money order on the spot. Carter Seuthe, founder at Credit Summit, a personal finance blog, describes how this works, “There is a common scam often referred to as the ‘overpayment ploy.’ The scammer will send a money order for a higher amount than necessary for the purchase, and then they will ask you to refund them the extra.”.

Part of the money order scams can include a remitter who seems in a hurry to wrap up your deal using a fake money order. They’ll urge and rush you to get to the bank and make the deposit, they can get out of the picture before the bank finds the money order fraudulent.

Once you believe this story, you might be more likely to compromise your good sense and do business in a way that you would not normally. Although these can be faked, too, they are another alternative payment you can accept—especially when doing business with higher dollar amounts.

This payment method can be expensive for both the sender and recipient. Also, it’s not always as instant as other electronic forms of payment, but it still pretty quick.

Before a bank will even approves the transfer, the funds must available in the sender’s account. Zelle is a digital payment platform that allows you to, in most cases, send and receive verified funds instantly (limits do apply).

These digital payments are also usually instant and secure. One tip when dealing with these forms of payment: When someone sends funds, just make sure they actually arrive in your account.

You should also know that with some types of PayPal payments reversal is possible. So, make sure whoever is paying you is reliable and unlikely to file a claim for payment reversal without cause.

For one, graphics on paper can be re-created with simple apps and printing equipment. Nowadays, you don’t even need sophisticated technology to recreate a money order.

Another reason money orders are easy targets for scammers is the fact that there is a process to convert them into cash. Once you walk away with a money order, there are additional steps that take time to complete, as opposed to a digital transaction that takes place in a few moments with verified funds.

Even the cashier at the bank may cash your money order without doing a check for authenticity. Once it’s cashed, the bank could hold you liable for the funds they cannot recoup from the fake money order.

As the old adage goes, if it sounds too good to be true, it probably is.

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Reading Time: 13 minutes. [UPDATE: As of mid December 2022, foreign tourists can now use their foreign credit card (only Visa and Mastercard) in Argentina, and receive the ‘tourist dollar,’ which is much closer to the blue dollar rate.

Before I came back to Argentina in 2022, after 17 years ago, I did the standard travel preparation research- join Facebook groups for expats and scroll posts. One common theme I kept seeing were conversations about Western Union.

I kept asking myself, figuring I’ll just do what I always do- use my international credit card (get those points, baby), and take money out of ATM’s with my debit card (like I used to do back in 2005).

“Bring lots of USD with you,” he told me. “Crisp dollar bills with the new Benjamin, no tears, so you can get the Blue Dollar rate.” Okay, what was really going on here.

When I was trying to figure money things out for Argentina, I didn’t have a resource, where everything was, all in one place. I had to piece things together from Facebook groups, from my friend, from whatsapp groups.

I hope I can be that resource for you that I was looking for, for myself all those months ago. An extra note: If you’re coming to Argentina, using the Western Union is crucial.

Don’t arrive to Buenos Aires at 9pm at night, and book yourself a domestic flight to Iguazu Falls the next morning at 8am, thus missing all the opening times of Western Unions. You will give yourself a headache when you find it nearly impossible to get money fast, and you have places to go and taxis to pay.

The first thing you need to do is go to the website to register your account. If you click on this link to register your account and send at least $100 within the first 30 days, you and I will both get a $20 gift card to Amazon.

Follow all prompts to then add your bank account details. You can also opt to transfer money using a credit card, but take note that most credit card companies will charge a fee for Western Union money transfers, in addition to the Western Union fee (mine charges $10).

Select “Argentina” as the country where you want to send money, choose the amount in USD, and then select “cash pick-up.”. In bold text underneath the amount, you’ll see the current blue dollar exchange rate.

If you’re confused as to the difference, take a minute to watch this video (or read the blog post) where I explain the difference: You’ll also see the exchange rate, the fee, and the total amount you will receive in pesos.

Currently as I write this, the fees are as follows: Credit card: $45.49Debit card: $32.99Bank Transfer: $29.99.

Select ‘Pay online.’. If you have promo/reward points, click on that blue link just below the payment options.

Dealing with promo codes for Western Union is both exhilarating and frustrating at different times. Sometimes a particular code will work for months, and then suddenly BAM it stops working.

Sometimes Western Union just doesn’t apply a code at all. When a promo code works, it’s the best.

Here are a few promo codes that have worked in the past. You can try them out and see if they’re back to working again: DIGITAL0FEE, GECO, DIGITAL50WU, DIGITAL100WU.

If you’re sending yourself money, the receiver will be you. Enter your own name and home address details.

If prompted, choose the bank account you wish to use (if you have entered details for multiple accounts or credit cards).

Here you will simply review all details, and follow the prompts, hitting ‘Continue’ only when you’re ready to finalize the order and complete the transaction. Once you hit ‘continue’ and finalize the order, you will receive your receipt.

This means I can, in theory, pick up my money from any Western Union branch today. Generally, transfers take 1-5 days, so remember to plan ahead.

This app will be your best friend while in Argentina. In the app, you can make transfers, check on the process of your transfer, and most importantly, it contains the MTCN number, which you’ll need to pick up your money at the onsite location.

You can click on each transfer to see the exchange rate, the total USD amount (or whatever currency you’re sending), and the total peso amount. If you click on “Menu” in the top right of the Western Union app, you’ll see a menu appear.

The “Quick resend” is helpful because you won’t have to go through all the same steps as a first time transfer. You basically just repeat a transfer using the same options as the last time.

Very often, Western Union locations (especially the smaller ones) are not listed in Google Maps. However, you can find more updated locations using this option.

This is the number of Western Union points you have. For every dollar you pay in fees, you receive points.

From the photos above, you can see that I had 180 points. I selected “Redeem points,” and then selected the option of exchanging 140 points for $15.

You can also “Refer a Friend,” which you’ll see at the bottom of the menu. If you send your personalized link, and your friend creates an account and sends at least $100 in 30 days, you both get a $20 gift card from Amazon.

Western Union is the same thing as Pago Fácil. Sometimes you’ll see both logos together on a shop, sometimes just one.

They are usually closed on Sundays. Picking up money at the Western Union in Argentina can sometimes be quite the mission.

Not all locations have money all the time. The Western Union near my apartment gets a restock every Wednesday, making it the best day to go.

Local Argentines often pay bills at the Western Union. This means that at the smaller branches, they often don’t have money in the morning.

At many of the smaller Western Unions, they will also tell you that at the end of the month and the beginning of the month there is no money. they will direct you to a larger branch.

Sometimes there are only a handful of people waiting, sometimes the line stretches down the block. There have been very few times where I arrive at a Western Union and find no line, walk up to the counter, and get my money.

Bring a book. Scroll Instagram.

Whatever you need to do to occupy your mind. You might be there for a while.

All of the Western Unions I’ve been to in Buenos Aires ask for my passport. Then they make a photocopy of it for themselves.

This is because they were such a small branch that they didn’t have a printer. Fortunately, there is usually a kiosco or print shop nearby, so I just printed out a copy and headed back within minutes.

The MTCN number (xxx-xxx-xxxx) is a unique 10-digit number that is connected to every transaction. This number is listed on the front page of the Western Union app once you log in.

It is one of the first things the teller will ask for at the window. I usually zoom in on my phone and hold it up to the glass so they can see it better.

I always think this is so funny that they ask me for the exact amount in pesos. I know they have access to see the exact amount of my transfer, but I suppose it is just for confirmation.

Whatever the case, just be prepared for them to ask you the amount. If you’re not comf.

A money order offers a reliable alternative to cash, credit or cheques. You can purchase a money order through banks, some retailers and participating Western Union Agent locations, and use them to send gifts, make purchases and even pay bills.

Accurately filling out a money order is not complicated, but it does require attention to detail. Need help filling out a money order for the first time.

A money order is similar to a cheque in terms of the information needed. the major difference is that money orders must be prepaid.

When you fill out a money order, here’s what you’ll need: Some money transfer service providers may not ask you for the reason behind the payment, but it is a good idea to have the reason for the transfer on hand just in case.

When the agent hands you the money order, it will look like this: each important section will be clearly labelled so you know where to fill in the information. Here’s how to fill in the money order:

Make sure that the spelling and details are correct. Once the money order has been processed, you will not be able to change it.

If the name is incorrect, delays will occur, which may result in late payments. Be very careful when completing any money order, especially if you are paying the recipient for the first time.

Whether it says “From”, “Sender”, or “Buyer”, this is where you enter your information. Western Union® money orders require your full name and address, but others may only have a field for your name.

Be sure to sign the front of the money order, do not sign the back. The reverse side is for the receiver when he/she collects the money order.

If you need to, write a brief note about the reason for the payment. Otherwise, leave it blank.

If you are mailing the money order, consider acquiring tracking information so that it does not get lost in transit. Your money order will have a detachable receipt for you to keep on file.

If you suspect that the money order has been lost, misplaced or stolen, let the supplier know. You will not be able to do this without the receipt, so keep it in a safe place, at least until the money is deposited by the right person.

Unlike electronic money transfers, money orders must be purchased in person. Find your nearest Western Union office and one of our agents will be happy to process your money order and help you fill it out correctly.

In fact, one of the main benefits of using money orders over other money transfer options is that you don’t need a bank account to buy one. Some issuers accept credit cards as a form of payment, but it is likely to be processed as a cash advance, which carries fees and a higher interest rate.

Another thing to bear in mind is that individual money orders are usually limited to amounts below €950. If you need to send more than 950 euros, talk to the agent about your options, including electronic money transfers.

Your agent will explain the cost when it arrives. If you need help with the transfer process or need a refund, please contact Western Union customer service.

In addition to money orders, you can transfer money in the way that works best for you: online (here), with the app, in person and more. You can learn how to complete a money transfer on our website or contact us anytime if you need help with the steps to complete a money transfer.

Using a postal order as a method of payment has the following characteristics:.

Western Union is an established money transfer company with an impressive history of over 135 years doing business in Mexico. With Western Union you can send money from Mexico in cash, to recipients all over the world.

While Western Union is a reliable service, it’s not always the best value out here. It’s worth knowing that you might save money by using an alternative provider like Wise, if you’re sending money direct to your recipient’s bank account or free online Wise multi-currency account.

See if you can save with Wise.

When you send money from Mexico using Western Union, you’ll need to visit a store or agent location in person. It’s possible to start the transfer online using the Western Union app, but you’ll still have to pay in one of Western Union’s offices.¹.

It’s important to note that the upfront transfer fee is often not the only cost involved in sending a payment overseas. You may well find there’s a markup added to the mid-market exchange rate, which is an extra slice of profit for the provider – and an extra fee for the customer.

In short: the exchange rate may be even more important to consider compared to the. Here are the upfront fees you need to know about when using Western Union Mexico – read on for more on the exchange rates available:².

From most locations, you’ll be able to send money in cash from an agent location, or make a payment online using a card or bank transfer. If you’re sending money from the US, you’ll also have the option of sending money over the phone.

From Mexico, you can send money via an agent. That means you need to visit an agent local to you to set up or complete your transfer, even if you start the sending process online or via the WU app.

Instead, you’ll need to open an account online or visit an agent to find out the rate that can be applied to your specific transfer. When you find the rate you’ll get with Western Union Mexico, you’ll want to check it’s the best available.

This is worth doing because many banks and currency services add a markup to the exchange rate they offer customers. This is an additional fee, but it can be tricky to see it in the rate that’s been set.

You can avoid this issue entirely by choosing a modern international payment provider which uses the mid-market rate, such as Wise. All transfers have a clear, transparent fee, with no charges hidden in an exchange rate markup.

Here’s how to use Western Union Mexico. Western Union works through a series of agent locations in Mexico.

You can choose to start the transaction online using the Western Union app if you want to, but you’ll still have to head over to an agent near you to hand over the cash or pay by card if the agent accepts credit and debit cards, and complete the transfer.³ ⁴. Your transfer will be available almost immediately if you choose the Money in Minutes option – or the following working day if you choose a next day service.

However, the range of currencies available from Mexico is not published online. Call your local agent – or visit the store in person – to check if your payment is possible.

Western Union states that the maximum amount you can send is the currency equivalent of USD7,499 per day. However, agents may have different limits which mean you can send less than this.

Here are the answers to some of the most common questions about using Western Union in Mexico. If you have a question, you can call Western Union on 01-800-719-891, 7 days a week.⁵ You can also use the contact form on the website if you’d rather get in touch online.

Once you have 6 virtual stamps, you can trade them for a reward – such as vouchers for Starbucks or money off Spotify.⁶. Western Union has over 26,000 agent locations in Mexico, covering every single state.⁷ Find an agent location near you, using the Western Union agent locator tool.⁸.

You can use this unique reference number to track your transfer online or by calling the customer service number. Western Union is a useful tool if you need to send cash quickly for a recipient to pick it up in person somewhere else in the world.

If your recipient has a bank account or can open a free Wise multi-currency account online, you may find you can send a cheaper – more convenient – payment that way. Wise payments use the mid-market exchange rate with no markup and no hidden fees.

See if you can save with Wise. Sources:

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely.

The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome.

Money orders are easy to complete and require the same basic information. Most money orders are from one of three brand names: Western Union, MoneyGram, or the U.S.

Here’s a step-by-step guide on when to use a money order, where to get one, and how to fill it out correctly.

Money orders are widely accepted because they are prepaid, eliminating the risk of non-sufficient funds.

Money orders are beneficial for those who don’t have a checking account or do not want to accept personal checks.

Buying a money order typically requires you to visit a location that sells them and leave with a paper money order in hand. U.S.

Postal Service (USPS) retail offices.

Postal Service carries its brand and format of money orders, as do some banks and credit unions. Other sellers generally offer MoneyGram or Western Union.

Almost all money order purchases involve a fee, so it’s wise to shop around. Walmart charges $1.00 at most locations, and the USPS charges $2.00 to $2.90 depending on the amount.

Write the name of the recipient, the person whom you are paying, in the “pay to” or “pay to the order of” field. Include the person’s name or the name of a business.

The “purchaser’s address” is the address of the individual who is buying the money order. There may also be an additional address field for the address of the payee.

The memo line or field notes what the money order is designated for and if it is paying a certain billing account number.

You will need to provide valid identification to purchase or cash a money order. Once you’ve filled in all the fields, be sure to detach the receipt.

Now that you have a completed money order in hand and a receipt, you can safely hand deliver the money order or mail it to your recipient and only the recipient will be able to cash it.

You don’t need a checking account to purchase or cash a money order. Only the recipient can cash the money order.

If you lose or need to cancel your money order, it can take up to 30 days or longer to be reimbursed. Anyone can cash it if you forget to put the recipient’s name on the order and lose it.

Make sure to have your receipt and be prepared to show it. You will need to pay a fee for a canceled money order and you may ask for a replacement money order or a cash refund.

You need to put both your address and the recipient’s address on a money order. Yes, you do have to write out your signature on a money order.

If you write out the wrong payee name or misspell it, you may have to ask for a refund, which could take 30 days, according to Western Union. If someone finds a blank money order with a specified value amount on it, it can be filled out and cashed.

For less than $1,000, money orders can be an easy way to purchase something, pay a bill, or pay back personal debt. You can buy a money order for a small fee at convenience stores, money order businesses, big box stores, and some credit unions and banks.

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If you’re sending or receiving money with Western Union, you may want to use Western Union tracking to check the status of your transfer. The Western Union money order tracking service lets you do this online – so long as you have the right details to hand.

In this article, you’ll find the steps for tracking a Western Union money order online. In the article we cover:

MTCN stands for Money Tracking Control Number. It’s basically a reference code, 10 digits long, that refers to one particular money transfer.

The receiver will not get a notification when a Western Union money order arrives, but both the sender and the receiver can use the MTCN to track a money order. So how can you find the Western Union tracking number.

If the receiver is collecting the transfer from a Western Union agent location, it’s important that the sender passes the MTCN on to them. The receiver should present the MTCN, as well as some ID, on collection.¹ ³.

It’ll usually be easiest to do it online, though. Here’s how to trace a Western Union money order.

Here’s what to do:². Once you’ve done all that, Western Union should tell you what’s going on right now with your transfer – for instance if it’s still in progress, if it’s arrived and is ready for collection, or if it’s already been collected.

Western Union money order tracking is easiest if you have the MTCN. However, if you don’t have the Western Union tracking number, it’s still possible to check on the transfer status so long as you have other details to hand.

Perfectly possible, then – but easier just to type in the MTCN. When making international transfers, people may often find that they get a better deal when using a service such as Wise.

In fact, over 8 million users are already saving money with them regularly. See if you could save with Wise.

In that case, you don’t have to do anything at all, in fact. If you’re collecting it from an agent location, though, it’s best to have the MTCN.

If you’re collecting money and you don’t have the MTCN, your best option is to try again to get it. Contact the sender and ask them for the MTCN once again.

Still no luck. Best to give WU a call.

The countries in question are Argentina, China, Colombia, and Jamaica, although the rules are slightly different in each case. It’s important to act relatively fast in China, because if the receiver can’t be contacted in three days then the money will go straight back to the sender.⁷.

Don’t give any details, including MTCNs, to anyone you don’t trust. In fact, best to keep the MTCN only between sender and receiver.

If you’re the receiver, tracking the transfer online can be a good way to ensure you’ve got a real MTCN and not a fake or expired one. But of course, do be sure you’re tracking via the real WU website.

However much money you’re sending, this is the million-dollar question. But unfortunately, there’s no simple answer.

Plus there’s the question of how long it takes for you to pay the money to Western Union, which may depend on whether you pay via bank transfer or credit or debit card. It can be almost immediate, or it can be a matter of days.

For instance, a “Money in Minutes” transfer will generally make cash available for pickup very fast, while a “Direct to Bank” transfer is often several days.⁵. If you send money online via Western Union, they’ll give you an estimate for how long it’ll take, based on the specifics of your transfer, once you’ve input the key details.

All sorts of factors might contribute to hold up an international money transfer. So if, when you check up on the transfer status, you find out it’s been delayed, there might be any number of reasons.

If not, you could get in touch with them via phone or email.⁶. No, Western Union doesn’t do that.

MTCNs, or Western Union tracking numbers, are 10 digits long. The MTCN is printed on the receipt that the sender gets when they make the transfer.¹ ² It’s also in your transfer history online.².

You will need the MTCN, or the sender’s phone number, and the send or receive amount. There are lots of different money transfer services out there, and any decent one will let you track your transfer just as easily as WU does.

Few of these alternatives can trace their history back to the 19th century, like Western Union can, but they could save you time and money. You might be surprised how much they can vary in price.

It’s always a good idea to check the exchange rate against the real mid-market rate on offer at the moment. You can use our handy Wise calculator to check how our fees and speed compare to other transfer services.

Try Wise. All sources checked 08 February 2021.

It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication.

Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

A Western Union money order is one of the safest and most secure forms of transferring money. Whether you are sending money to a family member or paying bills, the money order provides a reliable way to ensure that your funds reach the intended recipient.

But does Walmart cash Western Union money orders. Read on to find out.

If you have a Western Union money order and are wondering where to cash it, we have some good news for you. Yes, Walmart does cash Western Union money orders.

If your local Walmart does not have a MoneyCenter, you can still get your money order cashed at the customer service desk. Just ensure you have a valid photo ID.

When you approach the customer service desk to cash your money order, the customer service representative will ask you to provide a valid government-issued photo ID. Once your identity is confirmed, Walmart will cash the money order, and you’ll receive your funds.

Walmart MoneyCenters operating hours may vary from store to store. However, in most stores, money order services are available from around 8 AM to 8 PM, Monday through Saturday.

Before visiting a Walmart store to cash your money order, you should always check the operating hours of its MoneyCenter. Here are some ways you can do that:

Walmart sells money orders at the Walmart MoneyCenters or customer service desk. The retail giant money order fee varies based on location, but the max fee is $1 per MO.

The maximum amount is $1,000 per money order. So what can you do if you need to obtain money orders for an amount that exceeds $1,000.

However, Walmart has a daily limit of $3,000 per person. For you to buy a money order for $1000 or more at Walmart, you need to provide a government-issued photo ID.

Follow these steps to purchase your first-ever money order at Walmart:.

If you are not sure whether there’s a Walmart near you, you can easily use the retailer store finder feature on the Walmart website. The feature allows you to find the nearest Walmart location by entering one of the following:

You can also call to inquire about the store’s MoneyCenter operating hours. When you arrive at Walmart, you need to locate the MoneyCenter, as this is where you are supposed to buy the money order.

If you can’t find a MoneyCenter, go to the customer service desk, and the representative will assist you in purchasing a money order.

If you want to send a family member or a friend $1000, purchase a money order for $1000. If you want to pay rent as well, you’ll have to purchase another money order.

After inserting the required amount into the machine or telling the associate, you still need to provide more information, such as the recipient’s name, your full name, and your bank. Confirm whether the information is accurate, and once you are satisfied, the machine or the rep will process your money order.

For amounts below $1,000, you will only be expected to pay $4. However, you can pay less as the service fee depends on the store’s location.

Once your order is complete, you can deliver the money order in person. If you are unable to deliver the money order yourself, Walmart offers mailing services that can assist you.

Sometimes, you can purchase a Western Union money order only to realize that the recipient prefers other payment methods or that the money order is no longer needed. When this happens, you may find yourself asking whether it is possible to get a refund.

But in order to get your money back, the Western Union money order needs to be in good condition. You also need to have the money order receipt with you.

In fact, Walmart allows you to not only cash out, but you can also purchase and send Western Union money orders both in the US and internationally. When you buy a Western Union money order at Walmart, you need to hold on to your receipt.