Money Order Lost? How to Refuse It and Receive Your Money

Dec 10, 2023 By Triston Martin

An uncashed money order lost can be voided. (If you've already cashed it, you can move on.) Money orders can be tracked by calling the issuer's customer service number or visiting the issuer's website and using the tracking tool.

Canceling a money order and what to do if you already did

Learn how to void a money order and get your money back below.

Step 1: Get in touch with the issuer, who will then have you fill out a cancellation form to get the ball rolling. In the case of a money order issued by the Postal Service, the form must be filled out in person at a post office.

Second, specify the money order's purchase date, location, amount (if known), and tracking number on the form. The buyer receives a receipt detailing this information together with the money order. Complete the form to the best of your ability without a permit.

Third, if you have a receipt, include a copy of it.

The fourth step is to fill out the cancellation form and send it along with the appropriate cost. You may not need to mail or hand-deliver the arrangement back to the exact location if that's different from how the service provider prefers to handle the return. With some issuers like Western Union, you can submit your request via email, fax, or regular mail.

If you have your receipt from Western Union, the fee is $15; if not, it's $30.

The issuer will check your details and see if the money order was cashed once they have accepted payment. Assuming all goes smoothly, the money order's issuer will cancel the old one and issue a new one. The time it takes to get your money back after submitting a receipt can range from 20 to 30 days, depending on the issuer. In that case, it could take up to eight weeks.

Refunds by money order

Requesting a refund on the same form as the original money order is an option. Similar to a cancellation, the processing time and fees apply.

If the money order was cashed, what would happen?

Once a money order has been cashed, it is unlikely that you will receive a refund or a replacement. But there's still a chance you can get your money.

The service provider may supply you with a copy of the money order after it has been cashed. Tell the authorities if you think the check was fraudulently cashed. If the police can use the document in their investigation, you can get your money back.

Always fill out the "payee" section of a money order at the time of purchase with the recipient's name, and only deal with reputable firms when using money orders.

Canceling a Money Order

If you lose a money order, you should first call the issuing bank to get it voided. The receipt you received when you purchased the money order will contain all the necessary information.

You can go back to the store or office where you bought the money order (or any other location where that particular money order is accepted) and explain the problem even if you don't have the receipt. You may need to visit an office to move on to the next step of canceling, filling out, and submitting a cancellation request form. It is highly recommended that you sign the form in person with proper identification.

Upon Cashing the Money Order

Filling out a money order with the recipient's full name and address makes it more difficult for a criminal to cash it, but they still might be able to. Contacting the money order's issuer to request a cancellation prompts the company to verify whether or not the payment has already been received. (You can also double-check by calling the customer service number on your receipt or inputting the money order's serial number on the website of its issuer.)

When Can I Expect My Money Order Refund?

After receiving your request to cancel a money order, the issuer will verify the item has not been paid. The issuer will issue a refund or a new one (minus any applicable fees) if it is still valid.

Expect a lag time of 30–60 days. Of course, how long it takes will depend on the specifics of the scenario at hand. 5 That is a considerable amount of time to hold out for. If the request is valid, some issuers give you your money back, while others give you a new money order (which you make payable to yourself).

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