How to Pay for a Money Order

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Your quick-start guide to money orders (and how they're different from money transfers)
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Money orders are a handy and safe alternative to checks when you need to send a specific amount of money to a specific person or business entity. Since money orders are prepaid when they’re handed off to the recipient, it’s best to use cash or a debit card to pay for the grand total. We’ll walk you through every step of the process (including where and how to buy a money order), so you can get your money where it needs to go as soon as possible.

How can I do an online money order?

You technically can’t send a money order online, but you can accomplish the same thing with an online money transfer. Go to Walmart, Western Union, or MoneyGram’s website to initiate a money transfer anywhere in the world. If you need a money order specifically, visit a post office, Walmart, WU, or MG in person.

Section 1 of 3:

How to Pay for a Money Order

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  1. Your local post office , Western Union , MoneyGram , Walmart, and certain banks all offer money order services—the catch is that you have to visit them in person. These establishments can all help process your money order. [1]
    Dave Ramsey, Financial Advisor

    To purchase a money order, visit your bank, post office, grocery store, or other retailer. Specify the exact amount you wish it to be made out for, keeping in mind many places impose a maximum, such as $1000. You'll pay a small fee, around $1-2, then the money order is printed for you to fill in the recipient name.

  2. Locations like the USPS won’t let you pay for a money order with a check or credit card. With this in mind, bring cash, a traveler's check, or a debit card with you whenever you get a money order .
    • A traveler's check is a type of check you can receive from your financial institution, though they aren't as common anymore. [2] At places like the USPS, you need to use at least half of your traveler's check on the money order for it to be considered acceptable payment. [3] Double-check that the institution you’re visiting accepts traveler’s checks, though—Walmart, for example, only accepts cash or debit. [4]
    • Be prepared for extra processing fees to be tacked onto your final cost. These typically aren’t more than a few dollars (unless you’re sending a money order internationally, in which case it's about $50), but it helps to prepare for them ahead of time.
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  3. Boiled down, a money order is essentially a check that you’ve gone and paid for ahead of time—so, you have to fill out a money order in the same way that you might fill out a check. Here’s a quick run-down of how to do that:
    • Write the recipient’s name in “Pay to the Order Of.” The “Pay to the Order Of” section is official phrasing for the person/entity who’s receiving the money order. Double-check that you’ve spelled everything correctly before moving on.
    • Include your information. In the purchaser section (sometimes defined with terms like “sender” or “from”), include your address (and name, if requested).
    • Provide a specific account number for bill payments. If you’re taking care of a bill with your money order, write down your relevant account number in the “payment for/account number” portion of the document. If you aren’t paying for a bill, skip this step.
    • Add your signature at the bottom. Since a money order is an official financial document, it’s important to sign your name on the front of it (not on the back).
  4. Like any transaction, money orders come with a receipt that prove you purchased the money order in question. If you misplace your money order or find a mistake on it somewhere, your receipt can help you get everything sorted out. [5]
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Section 2 of 3:

Can you get a money order online?

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  1. Unfortunately, money orders typically need to be processed in-person, so you can’t order one online. However, there are plenty of ways to send/transfer money quickly to people domestically and internationally:
Section 3 of 3:

The Purpose of Money Orders

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  1. Before the recipient can access the money, they need to sign the back of the money order, which was previously signed by you. This makes it trickier for a random person to steal and cash a random money order. [6]
    • Institutions like the Department of Motor Vehicles (DMV) may ask you to pay using a money order or check. [7]
  2. Checks are financial documents that take money out of your bank account and cash it into another person’s. Unfortunately, checks aren’t 100% guaranteed, and can theoretically “bounce” if there isn’t enough money in the original bank account. [8] Money orders, on the other hand, are paid for ahead of time, and are guaranteed to provide the amount of money promised. Because of this, money orders are considered more flexible and reliable than checks (since no bank account is required to access the money). [9]
  3. Unlike checks, which can theoretically be made out to a flexible amount, money orders are often capped at $1,000. With that being said, customers are allowed to buy multiple money orders at once, which can get the job done if you’re paying for something more expensive. [10]
    • International money orders are capped at $700 if you're buying them from the USPS.
    • Keep in mind: If you’re purchasing a high amount of money orders (like more than $3,000 worth), you may be asked to show ID and fill out a specific form. [11]
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  • Question
    Can I transfer money without a physical credit card if I know the information?
    Donagan
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    Yes.
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  • Question
    Can I buy a money order with an American Express?
    Andrew Serrano
    Top Answerer
    This would depend on who you are purchasing from. If you are buying it in person, changes are they will request cash, however American Express does have different allowances with some of their vendors. They may only allow a traveler's check, however many places will no longer accept them because of fraud potential.
    Thanks! We're glad this was helpful.
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  • Question
    Can I use a credit card to purchase a cashiers check?
    Andrew Serrano
    Top Answerer
    In a roundabout way, yes. You would have to go to your bank and request a cash advance from your credit card. This cash would be deposited in your account, and the bank would issue a cashiers check. However, be forewarned: a cash advance from a credit card will cause the highest potential interest rate to begin accruing the same day as you take the cash, and there are usually a cash advance fee of a percentage of what you advance. Only do this in an emergency situation, and pay the balance off immediately.
    Thanks! We're glad this was helpful.
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      References

      1. ↑ https://www.nerdwallet.com/article/banking/money-orders#where-can-i-get-a-money-order-how-much-does-a-money-order-cost-52485679
      2. ↑ https://www.westernunion.com/blog/en/us/everything-you-need-to-know-about-travelers-checks/
      3. ↑ https://faq.usps.com/s/article/Money-Orders-The-Basics
      4. ↑ https://www.walmart.com/cp/money-orders/5791922
      5. ↑ https://www.nerdwallet.com/article/banking/how-to-fill-out-money-order
      6. ↑ https://www.nerdwallet.com/article/banking/money-orders#how-can-i-buy-a-money-order-561530865
      7. ↑ https://dmv.ny.gov/about-dmv/dmv-payment-methods
      8. ↑ https://money.usnews.com/investing/term/check
      9. ↑ https://www.nerdwallet.com/article/banking/money-orders#how-can-i-buy-a-money-order-561530865
      1. ↑ https://www.nerdwallet.com/article/banking/money-orders#how-can-i-buy-a-money-order-561530865
      2. ↑ https://www.forbes.com/advisor/banking/what-is-a-money-order/

      About This Article

      Article Summary X

      A money order is like a pre-paid check you can buy from a bank, post office, or online. You can pay for a money order with cash or a debit card. If you’re buying your money order from the United States Post Office, you can also use traveler’s checks. Keep in mind that you can’t use personal checks, since these take too long to clear. Some money order issuers, like Western Union and 7-Eleven, will let you use a credit card, but these will be expensive, since your card issuer will charge you fees and interest rates. You can also use a PayPal account linked to your bank or credit card through some websites like Payko. However, this will only work for a single, 200-dollar money order per day and you’ll have to wait for it to come in the mail. For more tips, including how to use alternatives to money orders, read on!

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