Restrictions apply, see amazon. Refer a friend! Learn more. All about money orders. Buy at participating Western Union agent locations. Other money order questions? You'll also need to pay a cancellation fee. These vary by issuer. The U. When you submit your cancellation form, you can either request a replacement money order or a refund of the purchase price.
The replacement process can take up to 60 days, so if you're using the money order to make an urgent payment, you should probably consider sending another.
If the Money Order Has Been Cashed Filling out a money order completely , with the recipient's full name and address, makes it difficult—but not impossible—for a criminal to cash it.
When you contact the issuer of the money order to request a cancellation, they'll check to see if it has already been cashed. In most cases, you can also check yourself, by calling the customer service number on your receipt or entering the money order serial number at the issuer's website. If the money order has been cashed, the issuer will not replace it or refund the purchase amount. Your best bet at that point is to request a copy of the signed, cashed money order from the location that cashed it.
Contact local law enforcement and provide them with the copy so they can begin an investigation. If they locate the imposter who cashed the money order, you may be able to get the stolen funds back from them. If you're careful to fill out a money order in detail, and hand it off directly to the recipient or send it by certified mail, your payment will likely go without a hitch.
But if the money order goes missing, you have a good chance of getting your money back—minus a fee and a few weeks' delay—as long as it hasn't been cashed. As an alternative to using money orders, you might want to consider opening a checking account , which lets you send funds without fees, and makes it easier though possibly not free to stop payment on lost or missing checks.
Learn what it takes to achieve a good credit score. You should be able to visit any post office that deals with USPS money orders, and you can use different branches of the same bank or credit union. To start the process immediately and see requirements, visit the customer service site for your money order issuer:.
Keep your receipt any time you buy a money order. Even a photo of the original money order is helpful. Once you submit your cancellation request, the money order issuer will research the item and confirm that it has not been paid. Plan for the process to take days.
However, the timeframe can vary depending on how complicated the situation is. Yes, that is a long time to wait. If approved, some issuers offer refunds, while others provide a replacement money order which you make payable to yourself.
If theft or fraud was involved, that documentation could help you and law enforcement officials to track down thieves. That information could also help you get your money back if the bank that paid out funds did not properly verify the identity of whoever cashed the money order, for example. To be safe, cash or deposit the money order as quickly as possible. Doing so reduces the chances of problems, like somebody canceling the money order.
The two key risks you face when getting paid with a money order are:. Some money orders are fake, and con artists regularly use them for online scams.
For up-to-date forms and the fastest service, contact your money order issuer immediately, and get forms directly from them. Money orders typically do not have an expiration date. However, some institutions may charge a fee for cashing money orders more than a few years old. You may also cancel one that has been lost or stolen as long as you still have the original money order receipt. In cases of fraud or a suspected scam, it may be possible to cancel money orders if the suspected crime is reported to law enforcement and is properly investigated before they have been cashed.
If you purchased a money order, but later decided not to send it, you can take it back to the retailer where it was purchased and request a refund. This method only works, however, if the money order is still intact.
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