Buy Western Union Money Order
A money order offers a reliable alternative to cash, credit, or checks. You can use money orders to give as a gift, make purchases, and even pay bills. You can purchase a money order through banks, certain retail locations, and participating Western Union agent locations.
buy western union money order
A money order is similar to a check, in terms of the information you need. The biggest difference is money orders must be prepaid. Rather than pulling funds from your account when the receiver cashes your check, the money is withdrawn immediately when you purchase a money order. When filling out a money order, here is what you will need:
Your money order will have a detachable receipt to keep for your records. This is not only your proof of purchase, but it also provides transfer tracking information so you can confirm when the money is deposited by the recipient.
Money orders are not available online. Unlike electronic money transfers, money orders must be purchased in person. Find the closest Western Union agent location and one of our agents will be happy to process your money order and help fill it out properly.
Some issuers accept credit cards as payment, but it will likely be processed as a cash advance, which incurs fees and a higher interest rate. Consider waiting until you have all the necessary cash on hand before purchasing a money order to save yourself extra money.
Many issuers of money orders have a $1,000 maximum purchase limit. Money orders typically are used for smaller, everyday transactions, such as paying a utility bill or a deposit on a rental apartment. If you need to make a payment of more than $1,000, you could simply buy enough money orders to cover the cost.
Retailers also sell money orders, some with more reasonable fees. Prices, purchase limits and availability may vary depending on the store location. Be sure to have a photo ID with you before buying a money order.
Replacing a lost or stolen money order is easier. If you have the original purchase receipt, the outlet where you purchased it might replace it or give you a refund. You likely will have to pay a fee for the service.
You may send money to inmates through a cashier's check or money order (least expensive way to send money to an inmate). Do not send cash, personal checks, or stamps. The mail will be rejected and returned to you at the inmate's expense.
If that description reminds you of a check, you're absolutely right: Because the two items function so similarly, money orders are often used in place of a check by those who don't have a checking account.
To purchase one, you'll hand over the amount you want your money order to be made out for, plus a nominal charge for the order itself. (Most locations cap their money orders at $500 or $1,000, and charge between $1 and $5 to issue one.)
Most folks won't have the occasion to use a money order very often, so when you do, it's worth knowing all the facts. Most importantly: Can you buy a money order with a credit card? The short answer is yes, but only in specific situations and locations.
Because a money order functions like cash or a guaranteed check, most issuers will require they be purchased with cash, or in some cases a debit card. But there are a couple locations where you can reliably purchase a money order with a credit card.
As of this writing, you can purchase a money order by showing up at brick-and-mortar locations for either of the above entities and presenting a credit card, but there's more to bear in mind when it comes to the effect on your wallet.
At Western Union, the usual charge for a money order up to $100 is $1.25, while an amount between $100.01 and $1,000 will set you back $1.50. At 7-Eleven, the largest money order you can purchase is $500, and the cost is typically between 1% and 3% of your total purchase.
But when you pay with a credit card, that won't be the extent of the fees you should expect. Since a money order is a cash equivalent, paying for one with a credit card is often treated as a cash advance by your credit card company.
If you do purchase a money order with a credit card, make sure you do so as responsibly as possible. That means spending within your means, of course, but also filling out the money order clearly and carefully, making sure all information is accurate and up to date. Even though money orders are almost universally accepted, if the name on the payee's identification doesn't exactly match what you wrote on the money order, they won't be able to cash it.
There are many advantages to using a money order. A money order is convenient and inexpensive. Grocery stores, post offices, check cashing stores and many other places sell money orders. The fee to order a money order is typically a couple dollars or less, depending on where you purchase it.
The Western Union Company (NYSE: WU) is a leader in global payment services. Together with its Vigo, Orlandi Valuta, Pago Facil and Western Union Business Solutions branded payment services, Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. As of December 31, 2016, the Western Union, Vigo and Orlandi Valuta branded services were offered through a combined network of over 550,000 agent locations in 200 countries and territories and over 100,000 ATMs and kiosks, and included the capability to send money to billions of accounts. In 2016, The Western Union Company completed 268 million consumer-to-consumer transactions worldwide, moving $80 billion of principal between consumers, and 523 million business payments. For more information, visit www.westernunion.com.
When you buy a money order, you will need to include information about the purchaser (you) and the recipient. Write the name of the intended recipient in the "Pay to the Order" field, and your full legal name and address in the appropriate fields. Some money orders may not ask for your address. Finally, sign and date the money order, and keep the receipt.
You can cash a money order in the same places that issue money orders, such as a bank, credit union, Post Office, check-cashing store, or even some convenience and grocery stores. There may be a small fee for cashing the money order, which you can skip by depositing the money order into a bank account.
Money orders do not expire, but depending on the state and issuer, they may incur additional service charges if you cash them more than a year after they were issued. These terms will be described on the back of your money order. However, domestic money orders from the U.S. Postal Service will never expire or lose value.
When you purchase a money order, the total you pay will typically be slightly higher than the value of the money order itself. The difference is due to the fee the provider charges. Here is a list of the 10 best places to purchase money orders, considering maximum limits and fees.
Western Union is a popular option for money orders. As with most money order providers, Western Union representatives confirm caps of $1,000 on money orders. The challenge is that Western Union does not have a set fee across all its branches, often because it can be housed within other businesses like Kroger.
Most 7-Eleven locations offer money orders. However, as is the case with Western Union, the fee you will pay depends on the location you visit. You will typically pay between 1% and 3% of the total value of the money order. Also, 7-Eleven limits money orders to $500 each.
Kroger is a low-cost option for accessing money orders. If you are a member of Kroger, you will only pay $1 each. If you are not, you will pay $1.10 each. Money orders at Kroger are typically capped at a total value of $1,000, but the company may wave this cap in certain circumstances. If you need a money order with a face value of more than $1,000, call your local Kroger store and ask if your circumstance qualifies.
If you live in Illinois, Indiana, Kentucky, Michigan, Ohio or Wisconsin and you have a Meijer nearby, you are in luck. This company offers money orders for a fee of just $0.65 each. Even better, you can purchase money orders with your debit card as opposed to cash and incur no additional fee.
Publix is not just a grocery store, but the company also offers a wide range of financial services, including money orders. Like Meijer, it is also one of the cheapest places to get a money order: the company charges between $0.89 and $0.99 per order with a maximum value of $500.
How much is a money order at Walmart? The answer is $1 or less. Walmart states that its fee for money orders will vary by location, but it will never be over $1. And like most places, the company also limits the value of money orders to $1,000.
Whether you need a money order to place a deposit on a new apartment or pay for services from a provider that does not accept checks, you will not have to look too hard. Compare the fees and limits of the services above and you will be ready to roll.
Yes, you can buy a money order with a credit card from places like Western Union and 7-11. Just keep in mind that credit card companies consider the purchase of a money order to be the equivalent of a cash advance, so the transaction will trigger an expensive fee and a high interest rate will take effect right away.
Because buying a money order with a credit card is considered a cash advance by credit card companies, the purchase will trigger an expensive fee and a high interest rate. The average cash advance fee is 3.84%, and the average cash advance APR is 22.53%. Both will immediately apply to the amount you spend on the money order.
In addition, you will likely pay a fee to the company you buy the money order from, no matter how you pay for it. These fees range from less than a dollar to a few dollars, depending on the company and the size of the money order.
Another common use of money orders is buying items in certain categories on eBay and Etsy. However, most of these sellers will also accept third-party payment services like PayPal, Venmo and Google Wallet. 041b061a72