What to do when a money order is lost?

In previous articles we have explained what is a money order, and more. This time we will focus on a very important aspect to consider, What to do when a money order is lost?

For example, if you pay order has fallen into the hands of third parties but has not yet been collected, it is likely that you can recover the money, therefore, below we show you the step by step to follow to try retrieve your money order.

What to do if a Money Order is lost and has not been cashed yet?

If he money order has not been collected, the first thing you should do is inform the issuer of the loss or misplacement and cancel it immediately.

In case of loss or misplacement of your Money Order, it is important to take action immediately since once it has been charged (by someone else) it is very difficult to recover the funds.

Always remember that each money order issuer it handles the process to get it back in its own way, so it varies a bit from one another.

Most will require you to contact the issuer to provide specific details about the money order, among which you must indicate the serial number in order to track its status and see if it has been charged or not.

If it hasn’t been charged yet, you may be able to cancel the order and get a refund or, alternatively, a Replacement Money Order.

This is how some of the best known issuers handle the money order lost:

Western Union

If you still have your money order receipt on hand, you can complete the money order tracking/refund request on the back. You must then mail it to the address on the back of the Money Order along with the $15 non-refundable fee. Please note that this may take up to 30 days to process.

If on the other hand you do not have the receipt, you must complete the form that is observed in the web domain of WesternUnion.com. Once completed, please mail it with the non-refundable fee of US$30.

In the same way, you should wait for the processing to be effective between 6 and 8 weeks.

On the other hand, you also have the option to send any form by fax or email, with this, the company will determine if you can cancel and replace money order.


The first thing you will ask MoneyGram in case of Lost or stolen money order, is to check the status of the same to see if it is eligible for cancellation and replacement. On the website MoneyGram.com allows you to see that state.

If so, it will take you to a form where you can request the replacement of your money order.

To do the above, you must first pay a non-refundable processing fee of US$18. If you choose to mail your application, the fee is US$25. This would take less than 20 business days, excluding the delivery time of the mail to process it.

US postal service

Similarly, if you money order is found lost or stolen, you must process it through the USPS. On the official web domain MOIS.USPS.com You can check its status.

On the other hand, if you want to replace it, you need to go to your local post office in person. Once there, you will need to complete and submit a “Form 6401 Money Order Inquiry”. You will also have to pay a fee of US$ 5.95.

Once the form has been sent, you must review the “list of Lost Money Order” and check if the serial number of your order is reflected there. You can download the form online on the web USPS.com.

Once the status of your order has been determined, its respective replacement will be issued.

Please note that you are not guaranteed a full refund for a lost or stolen Money Order if you do not have a receipt.

NBC Chicago tells the story of loss of a money order of a young woman whose remitted money would be for marriage.

What happens after notification when a Money Order is lost?

As you can see, once you notify the issuer of the lost payment order, you will have to wait between 1 week to 2 months to determine if it is possible to issue a replacement or refund.

If you are eligible for a refund or replacement, Western Union, and MoneyGram will mail it to you.

If the lost payment order has been processed through the USPS, you will receive a letter letting you know if you are eligible for a Replacement Money Order.

It is important to point out that even if the money order refund, you can process a replacement on your own and collect it. You will then need to go to your local post office in person to receive it.

On the other hand, if you need to send the funds to someone urgently, we recommend buying another money order meanwhile, remember that it takes some time to get a rreplacement or refund.

What to do if a money order that has already been cashed is lost?

If your lost payment order has been collected, you must request a copy from the issuer. In the event that your Money Order has been cashed by an unintended recipient, you may not be able to recover the funds.

If it happens to you, take into account that the issuers provide you with a photocopy of the Cashed Money Order and if not, request one.

This document will allow you to see who endorsed it, and in which case it is someone who stole your money orderyou can report it to the police and at the same time provide them with the document so they can try to locate and prosecute that person.

Another important point is that if you Lost Money Order was blank, it means that it can be signed and cashed, which makes it even more difficult to get the money back.

If it was addressed to a specific recipient but was collected by someone else, you may be able to get a refund. This would be an error of the bank or payment company that has not adequately verified the identity of the recipient.

How to keep your Money Order safe?

Losing a money order it can be quite stressful and painful at the same time, as it can involve a monetary loss out of your pocket, apart from time and effort.

If you want to make sure you don’t lose your money in this way, we recommend the following:

Always keep your receipt

Always keep your receipt or proof, as it can be very useful to speed up the cancellation process, since some issuers will not replace a money order nor will they provide a full refund without one.

Deliver your money orders with care

It is advisable to always deliver your Money Order in person, in order to prevent third parties from losing them.

In fact, MoneyGram recommends avoiding leaving them in a mailbox or anywhere where anyone has access.

Never leave the recipient field blank

Do not leave a blank Money Order for any reason, as it would make it easier for others to fill it out and collect it.

Also, you are more likely to get the funds back if it is collected by someone other than the intended recipient, so always fill in the recipient field immediately, do it with a black pen.

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