You can track a lost money order by sending a copy of your receipt, along with a form and a fee to the vendor, who will then tell you if the money order has been cashed. Costs and specific services vary depending on the vendor. Western Union and MoneyGram both make their forms available online and will refund money orders that have not been cashed. Neither company offers a stop-payment service or information about who cashed a money order.
Tracking Through MoneyGram or Western Union
MoneyGram offers the ExpressPayment Photocopy Process, which guarantees three-day processing. You may also submit the completed “Claim Card” form, the fee, and a copy of your receipt by mail, however, MoneyGram may take up to 65 days to respond.
Western Union also processes faxed documents and deducts the fee from the face value of your found money order, but whether you fax or mail the Money Order Customer Request to their Colorado office, the fee is the same, and they guarantee a response within 30 days.
Do not mail your original receipt. Get a clear copy and send that. As you may have already discovered, things can get lost in the mail.
The United States Postal Service
If you’ve lost a postal money order, the process is essentially the same as if you’d purchased it from a commercial vendor, except you must go to the post office with the information necessary to track the money order and pay the fee. You must first determine if the document you lost is on the Missing Money Order List and report the loss to the U.S. Postal Inspection Service if it is not listed.
Your Local Bank
A money order purchased from a bank is treated like a personal check when it is lost. The issuing institution puts a stop-payment on the document and gives you a new money order or a refund. The fees vary according to bank.
Call the bank where you bought the money order to determine their fees.
- Western Union: Money Orders
- USPS.Com: Money Orders
- United States Postal Service. "Sending Money Orders." Accessed Jan. 13, 2020.
- Western Union. "Do Money Orders Have an Expiration Date?" Accessed Jan. 13, 2020.
- Western Union. "How Do I Request a Money Order Refund?" Accessed Jan. 13, 2020.
- United States Postal Service. "Money Orders - The Basics." Accessed Jan. 13, 2020.
- United States Postal Service. "Money Order Inquiry System." Accessed Jan. 13, 2020.
- MoneyGram. "Money Order Information." Accessed Jan. 13, 2020.
- MoneyGram. "Money Order Claim Card." Accessed Jan. 13, 2020.
- Western Union. "All About Money Orders." Accessed Jan. 13, 2020.
- Western Union. "Money Order Research Request." Accessed Jan. 13, 2020.
- Office of the Comptroller of the Currency. "Answers About Forgery and Fraud." Accessed Jan. 13, 2020.
Based in Arlington, Texas, Michelle Diane has been writing business articles for six years. Her work has appeared in newspapers nationwide and on diverse digital outlets including Bounty, Breathe Again Magazine and LexisNexis. She is a University of Texas graduate and a presidential member of the National Society of Leadership.