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What's so special about postal money orders? Serious question. I'm not trying to cause a big ruckus. It seems many people really prefer the postal money order over some really easy forms of payment; head scratcher to me. I recently bought a rifle off GunBroker and the seller took only postal money order. I offered to wire funds directly to their bank but they preferred the postal money order. Why? Are that many people living without a checking/brokerage account? With so many easy ways to pay why postal money orders?

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It's ignorance on my part. I don't understand wire transfer, paypal, venwhatever etc. Money orders have not failed me yet.

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For one thing I'm not giving someone I don't know my bank account number for a wire transfer. What's so hard about going to the post office to get a money order?


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Originally Posted by MLC
For one thing I'm not giving someone I don't know my bank account number for a wire transfer. What's so hard about going to the post office to get a money order?


+1.

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Post office hours suck. I start work before they open, come home after they close, and my local closes the counter for lunch hour. Otherwise they're awesome.

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It’s an act of Congress to get your money back if a money order is lost in transit. Personally, if a money order is the only way to finalize a deal, I’ll back out.

It took me 3 months to get my money back the last time I tried using one. The mail never delivered the payment envelope to the seller so we mutually agreed to cancel the deal. Fortunately I had all my receipts but 90 days was a long time to wait. The seller certainly didn’t want to and I was not willing to pay twice for the same item when the post office would not guarantee a refund.

Of course you’re free to do what you want to on your deals.

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Originally Posted by dh1
Post office hours suck. I start work before they open, come home after they close, and my local closes the counter for lunch hour. Otherwise they're awesome.

You left out the awesomeness of waiting 20 minutes in line.

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Originally Posted by dh1
Post office hours suck. I start work before they open, come home after they close, and my local closes the counter for lunch hour. Otherwise they're awesome.

^^^^^THIS!^^^^^^^


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Originally Posted by dh1
Post office hours suck. I start work before they open, come home after they close, and my local closes the counter for lunch hour. Otherwise they're awesome.

They sell em at other places too.


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If Money Order is the only acceptable way of payment I cruise right on by. In my opinion that is living in the 1940s. To the buyer of the MO try getting your money back when it is lost or fraud.

I had some people who don;t understand e-bank check, money is deducted when purchased a no fail, it does take a little longer, but?

And what is wrong with personal check, hold the merchandise until the check clear. then ship. Who looses? In fact the personal check gives the seller some leverage in the case of NSFs. A little complicated legally, but just saying......

No money orders here

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Originally Posted by MLC
For one thing I'm not giving someone I don't know my bank account number for a wire transfer. What's so hard about going to the post office to get a money order?


And yet we’ll willingly hand a check or mail one with our account number to a stranger. I know very few people actually still use checks but they’re still more secure than debit cards. Without an ID and PIN number there not much way to get money out of your account with just an account number.


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Decent article here on the most popular ones. CashApp, Zelle, and Venmo are fairly ubiquitous in my area.
https://www.usatoday.com/story/tech...e-cash-facebook-google-zelle/5005537002/

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MO's do indeed suck. I've never been able to cash one at our PO. "Not enough money in my drawer. Come back later." My bank accepts them if I deposit rather than cash it- but that entails another cross town journey in our local perpetual rush hour. And both venues invariably entail a long wait in line to boot. Meh. I'd rather send a personal check to those fogeys that don't/won't learn about electronic transfers of funds, and wait for it to clear than endure the hassle of going and getting a MO.

As for electronic money transfer venues, I've never ever known anyone who got ripped off. Security is pretty darned good. Guns I've purchased on line, paid for electronically, and sent screen shots of my C&R license, have been showing up on my doorstep in a matter of days. One very good thing about living in the 21st century, IMO.


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Originally Posted by slowmover12
It’s an act of Congress to get your money back if a money order is lost in transit. Personally, if a money order is the only way to finalize a deal, I’ll back out.


Yep, screw going to the P.O., PMO is no dice for me. I've taken many personal checks from buyers here. If you don't know/trust the buyer hold the delivery till the check clears.
PayPal is the easy button.


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Most banks and credit unions can call a central number and instantly verify the USPS money order - can't do that with all the others. Having said that, I don't buy much anymore if that's the only pay option - I'll be 70 in a few months and no matter how healthy I try to stay, statistically my survival odds suck if catch Covid. Not going to wait in line in our little podunk PO's 10x15 counter room - not enough room even without 'social distancing'. Personally, I think it's kind of arrogant to demand PO's as the only pay option - yeah, that's right up there with all those folks who can't take the time to learn how to post photos.

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There’s a certain measure of protection. If someone screws you out of merchandise paid for my postal money order that you mailed, it’s mail fraud. In the real world, getting a postal inspector to investigate and prosecute depends heavily on their work load, ambition, how much the money order was for, etc.


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Same dumbasses are the anal retentives who want the original factory box and the factory workers' original finger prints in the original factory dust on the box for a $200 firearm like it's an heirloom lol

Get a life. Step into this century.

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I avoid MOs. I can deposit a check into my account by phone but a MO I can’t.


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Originally Posted by slowmover12
Personally, if a money order is the only way to finalize a deal, I’ll back out.


^^^^
This.

Ranks right up there with all the fuggin tightwad losers that want fees when using PayPal for low dollar items. JFC how desperate are people that they need the fees covered on a 10 dollar item? Anytime I come across some jackass wanting fees or +4% for their stuff I walk on by. Fugginasswadsfugginupeverything.

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