What is a USPS money order? Overview, 9 Facts About It

If you ever need to send a payment over the mail, a money order is a secure option. It is safer than shipping cash or a cheque since it can be traced, canceled, and sent to a specified destination.
However, if you are transferring money internationally, online money transfer services such as Wise may be faster, cheaper, and more convenient.Read on to discover all you need to know about acquiring, using, and mailing a United States Postal Service money order (USPS).

What is a USPS money order?

Money orders are a kind of payment order that resembles a cashier’s check in the United States. Money orders may normally be received from a number of sources, however banks and the United States Postal Service issue them most frequently (USPS).

What is a USPS money order?

Many believe money orders to be more secure than personal checks since they demand a deposit of dollars equal to the amount of the order.

Because of this, a USPS money order is frequently utilized in circumstances involving the exchange of payments between unrelated parties or where a simple verification of funds is otherwise necessary.

In addition to being a safe way of payment, money orders may also be used to transmit money through the mail.

How does a Money Order Work At USPS?

Money orders can be delivered in person or transmitted by mail. They can be used for internal and international money transfers. They can be canceled and reissued if they are lost or stolen. In a nutshell, they are one of the most secure ways to transmit money by mail.

How much does USPS money order cost?

A USPS money order is incredibly inexpensive, but the amount you may send is quite limited. You may only send up to $1,000 locally and $700 overseas, with El Salvador and Guyana limited to $500.

What is a USPS money order?

Here are the costs associated with purchasing a money order at a post office:

Amount being sent Cost of money order ¹ ²
Domestic money order $0.01 to $500.00 $1.45
Domestic money order $500.01 to $1000.00 $1.95
International money order up to $700 ( $700 is the highest amount you can send ) $12.25

A USPS money order can also be purchased at a military facility. Military Postal Money Orders have a flat fee of $0.50, regardless of the amount being sent.

Can I send money overseas with a USPS money order?

The complete list of countries to which USPS money orders can be used can be found here.

Check beforehand if your money order will be accepted in the nation you’re sending it to, as it may take some time to receive a refund if you must cancel it.

For the majority of nations that accept USPS money orders, the maximum per order is $700. The order limit for El Salvador and Guyana is $500. Keep in mind that when you send a money order overseas, it must be delivered by mail, which, depending on the destination, might take a long time to reach.

How to Fill Out a USPS Money Order

When you have the printed copy in your hands, you may fill out the remaining fields. First, confirm that the printed amount matches the amount of your transaction. Follow these procedures to complete a USPS money order once you have checked that the amount is accurate.

On the paper, there is a field entitled “Pay to the Order Of” that indicates the person or firm to whom the payment is being issued. You must immediately fill in this space with clear, readable type to prevent fraud or theft. Use only blue or black ink, and verify that the spelling of the individual or company is correct.

What is a USPS money order?

Next, find the field titled “From.” In this field, please provide your whole legal name. If the account is listed under a different name, use that name instead. Again, just use blue or black ink and write legibly.

Sign the front of the money order with your complete signature. Do not sign the line on the document’s back. Leave this section blank for the recipient of the USPS money order.

Fill out both of the address fields on the money order. Under the “Pay to” line, the address of the recipient of the money order is entered in the area labeled “Address.” You should provide your current address in the area beneath the “From” line. If different from your residence address, use your mailing address.

Indicate on the “Memo” line the purpose of the payment, such as an account number or a particular event such as “Birthday” if the money order is a present.

Once the USPS money order has been completed, it is advisable to photograph or print a duplicate. Ensure you save the document’s receipt part for your records.

This document is your greatest defense if the money order goes missing. The receipt has a tracking number that enables you to trace it, verify when the receiver cashes or deposits it, and request a refund if it is lost.

What is a USPS money order?

How to send money using USPS money order?

To send a money order through the USPS, you must:

  • Visit a US Postal Service location to purchase a money order.
  • Complete the money order
  • You may pay for your order using cash, a debit card, or a traveler’s check.
  • Either personally deliver the money order to the receiver or mail it to a location where the recipient may receive it.

How long does a USPS money order take?

Generally, money orders should reach the destination within two days. On weekends and holidays, however, this may take longer. Therefore, you should wait at least 14 days before assuming a problem with the money order.

How to Track a USPS Money Order

After mailing the USPS money order to the receiver, you may wish to verify its safe arrival. You may check the status of a USPS-purchased money order by visiting the USPS website and utilizing the online Check Money Order Status function.

On your receipt or copy of the document, you will find the serial number, post office number, and amount of the money order.

The procedure is more cumbersome if you need a copy of a cashed money order. You submit a request by filling out PS Form 6401, the Money Order Inquiry, and paying the associated cost.

To request tracking, you will need your receipt, the money order number, the amount, and the name and location of the post office where the money order was purchased. The image or duplicate you created is also useful. There is presently a $6.15 cost for the USPS to trace your money order.

The procedure is more cumbersome if you need a copy of a cashed money order. You submit a request by filling out PS Form 6401, the Money Order Inquiry, and paying the associated cost.

To request tracking, you will need your receipt, the money order number, the amount, and the name and location of the post office where the money order was purchased. The image or duplicate you created is also useful. There is presently a $6.15 cost for the USPS to trace your money order.

Because tracking a USPS money order requires time and money, you may want to wait around two weeks before beginning the procedure. It is typical for mail to arrive late, particularly during holidays and weekends, and some receivers may not check their mail regularly. However, if you suspect fraud or malice, initiate the procedure immediately.

If the money order is lost or stolen, a complaint can be filed to obtain a replacement. The inquiry might last up to 60 days after the Money Order Inquiry has been filed with the USPS. When a money order is verified to be lost or stolen, the USPS charges a $6.95 replacement cost.

What is a USPS money order?

How to send money using USPS money order?

  1. Visit a US Postal Service location to purchase a money order.
  2. Complete the money order
  3. You may pay for your order using cash, a debit card, or a traveler’s check.
  4. Either personally deliver the money order to the receiver or mail it to a location where the recipient may receive it.

Conclusion

The money order is a check that is printed by the post office that can be used for many things. Money orders are accepted by any post office and are not regulated like checks. They are easy to obtain.

They can be used to pay utility bills, buy supplies, pay taxes or purchase other things that can be bought with a check. Many people use them to make money purchases such as books or appliances. You can even get a money order at some convenience stores.

FAQ

How to Send Domestic Money Orders
  1. Decide on the money order amount. …
  2. Go to any Post Office location.
  3. Take cash, a debit card, or a traveler’s check. …
  4. Fill out the money order at the counter with a retail associate.
  5. Pay the dollar value of the money order plus the issuing fee.
  6. Keep your receipt to track the money order.
USPS Money Order pricing works as follows: $1.45 for $0.01 to $500. $1.95 for $500.01 to $1,000. $0.50 for Postal Military Money Orders.
A postal order is purchased directly from a national postal system, such as the US Postal Service or the Post Office in the United Kingdom. By contrast, a money order is produced by an independent financial service provider and may be purchased at any number of retail outlets, including supermarkets or drugstores
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