Sending a money order is usually a safe way to pay, but problems can still come up. It might get lost, stolen, or filled out incorrectly.
If that happens, you don’t have to give up on recovering your money. Most issuers allow cancellations or replacements, but you’ll need to follow their process and pay a fee.
This guide explains when canceling a money order makes sense, the steps to take with major issuers, and what to do if it’s already been cashed.
Why You Might Need to Cancel a Money Order
There are several situations where canceling a money order makes sense. Acting quickly can help you avoid losing money.
- Lost money order: If you misplaced it or it never arrived at its destination.
- Stolen money order: If you suspect someone else has it and could attempt to cash it.
- Wrong details: If you filled in the wrong name, amount, or other important information.
- No longer needed: If the recipient doesn’t require the payment anymore.
How to Cancel a Money Order Step by Step
Each issuer has slightly different rules, but the cancellation process usually follows the same pattern. Here are the main steps to expect.
- Contact the issuer: Call or visit the issuer as soon as you realize you need to cancel.
- USPS: Call 1-800-275-8777 or go to a local post office.
- Western Union: Call 1-800-999-9660 or use their request form.
- MoneyGram: Call 1-800-542-3590 or use the claim card.
- Banks and credit unions: Policies vary, so check with your institution directly.
- Fill out a cancellation form: You’ll need details such as the purchase date, amount, purchase location, and serial or tracking number. This information is easiest to provide if you still have your receipt.
- Pay the cancellation fee: Fees depend on the issuer and whether you have the receipt. (See the comparison table below for exact amounts.)
- Wait for processing: The issuer will verify that the money order hasn’t been cashed. This can take several days to a few weeks, depending on the issuer.
- Receive a refund or replacement: After verification, you’ll either receive a refund or a replacement money order. Some issuers prefer sending replacements because it speeds up the process.
Money Order Cancellation Fees by Issuer
Cancellation fees vary based on who issued the money order and whether you still have the receipt. Here’s a breakdown of common issuers:
| Issuer | With Receipt | Without Receipt | Notes |
|---|---|---|---|
| USPS | $6.95 | $6.95 | Same fee regardless of receipt |
| Western Union | $15 | $30 | Higher fee without receipt |
| MoneyGram | $18 | $18 | Same fee regardless of receipt |
| Banks/Credit Unions | Varies | Varies | Contact your bank or credit union for details |
How to Track a Money Order Before Canceling
Before you cancel a money order, it helps to check whether it has already been processed. Tracking it first may save you the cancellation fee. Most issuers allow you to check the status online with a few details from your receipt.
- USPS: Use the USPS money order inquiry system by entering the serial number, the issuing post office number, and the dollar amount.
- Western Union: Track online by entering the money order number. Both senders and recipients can use this option.
- MoneyGram/Walmart: Go to the MoneyGram website and enter the serial number along with the dollar amount. This applies to money orders purchased at Walmart or other retailers.
If the money order is still uncashed and on its way, tracking can confirm that you don’t need to cancel it yet.
What to Do If a Money Order Was Already Cashed
If the money order has already been cashed, the process is more complicated. You’ll need to show proof that it was cashed fraudulently and provide documentation to support your claim.
- Request a copy of the cashed money order: Contact the issuer and ask for a photocopy or digital image. It usually shows the endorsement signature and can be used as evidence. Some issuers charge a fee for this service.
- File a police report: Take the copy to your local police department and file a detailed report. This document is required to support your claim with the issuer.
- Submit a fraud claim with the issuer: Provide the issuer with the police report, the copy of the money order, and any other supporting information. They may have a specific claim form for fraud cases.
- Follow up regularly: Fraud investigations can take weeks or months. Keep in touch with both the issuer and the police department so your case stays active.
While refunds are possible, recovery depends on the strength of your documentation and the issuer’s investigation.
Tips to Avoid Money Order Problems
Taking simple steps when you buy and send money orders can prevent many issues. These habits reduce the chance of needing to cancel or replace one later.
- Keep your receipt: Hold onto it until the money order has been cashed or deposited.
- Double-check recipient details: Make sure the name and amount are correct before leaving the counter.
- Store money orders securely: Treat them like cash until you’re ready to send or deliver them.
- Consider electronic transfers: For faster and safer payments, electronic options may be better than paper money orders.
Final Thoughts
Canceling a money order takes some patience, but acting quickly makes the process smoother. The key is to contact the issuer right away, provide as many details as possible, and keep your receipt whenever you can.
While fees and wait times vary, most issuers will either refund your money or issue a replacement if the money order hasn’t been cashed. If fraud is involved, the process is longer, but filing the right paperwork improves your chances of recovery.
For future payments, consider safer alternatives like electronic transfers. They offer faster processing, lower risk, and fewer headaches if something goes wrong.
Frequently Asked Questions
How long does a money order refund take?
The refund process can take anywhere from 30 to 60 days. The issuer needs time to verify that the money order hasn’t been cashed before issuing a refund or replacement.
Can someone else cancel a money order on my behalf?
Usually, only the purchaser can cancel a money order. You’ll need to provide identification and proof of purchase.
Are cancellation fees refundable?
Cancellation fees are generally non-refundable, even if the money order wasn’t lost or stolen.
What if I don’t have the receipt?
You can still cancel the money order without the receipt, but the process may take longer and could incur higher fees. Provide as much information as possible to help the issuer locate the transaction.
Can I cancel a money order online?
Some issuers allow you to cancel a money order online, but this varies. Check your issuer’s website or customer service to see if online cancellation is an option. Many issuers still require an in-person visit or a mailed form for cancellations.
How long do I have to cancel a money order?
There’s generally no strict time limit for canceling a money order, but it’s best to act quickly. If the money order hasn’t been cashed, you can usually cancel it. However, some issuers may have policies that could impact your ability to cancel after a certain period, so check with your provider.
Can I get a money order replacement or refund if I paid with cash?
Yes, you can still request a replacement or refund even if the original money order was purchased with cash. You’ll need to follow the cancellation steps and provide any required documentation, such as a receipt or proof of purchase.
Is there a limit on the amount I can get refunded or replaced?
Each issuer may have specific policies regarding high-value money orders. If your money order is above a certain amount, the issuer may require additional verification or a longer processing time for refunds or replacements.
Can I cancel an international money order?
Canceling an international money order follows similar steps, but it may take longer and come with higher fees. Contact the issuer for specific guidelines on canceling international money orders, as not all issuers support this option.
