USPS money orders remain one of the safest and most widely accepted forms of guaranteed payment in the United States. Whether you need to send money securely, cash a money order quickly, or understand limits and fees, this guide explains everything you need to know about United States Postal Service money orders and the best alternatives if USPS is not available.
What Is a USPS Money Order?
A USPS money order is a prepaid, paper-based form of payment backed by the United States Postal Service. Because funds are paid upfront, money orders are considered more secure than personal checks and are often used for rent, bill payments, or transactions where you want guaranteed funds.
Where to Buy a USPS Money Order
You can purchase a USPS money order at any post office branch in the United States. They are available during regular retail hours and require a cash, debit card, or traveler’s check payment. Credit cards are not accepted for money order purchases.
- Domestic money orders: For use within the U.S.
- International money orders: Available for select countries
USPS Money Order Fees
Fees vary by location, but these are typical nationwide prices:
- Up to $500: Around $2.00
- $500.01 to $1,000: Around $2.95
- International money orders: Around $10.50
- Money order inquiries (tracking): Around $5.00–$7.00
USPS money orders are typically cheaper than bank money orders and safer than sending cash.
USPS Money Order Limits
There are strict limits for USPS-issued money orders:
- Domestic limit: $1,000 per money order
- International limit: $700 (varies by country)
- Daily purchase limit: Post offices may require ID for multiple purchases
If you need to send more than $1,000, you can purchase multiple money orders.
Where You Can Cash USPS Money Orders
USPS money orders are widely accepted and can be cashed at many locations:
- Post offices: Cashing is free with a valid ID.
- Banks and credit unions: Usually free for account holders; small fee for non-customers.
- Check-cashing stores: Accept USPS money orders but charge higher fees.
- Retailers: Some stores (like Walmart) allow cashing of USPS money orders.
How to Tell if a USPS Money Order Is Real
- Watermark repeating the words “USPS”
- Dark security thread running top to bottom
- Embossed imprint and heat-sensitive ink
If you’re unsure, bring the money order to your local post office for verification.
What to Do If a USPS Money Order Is Lost or Stolen
You can request a replacement by completing PS Form 6401 at any post office. USPS will attempt to track the money order and refund or replace it. Tracking fees apply.
Alternatives to USPS Money Orders
- Walmart money orders (MoneyGram)
- Bank-issued money orders
- Cashier’s checks for higher dollar amounts
- Mobile payments for quick transfers
If you’re looking for small-denomination money movement, see our guide on where to get quarters.
USPS Money Order FAQs
Can you cash a USPS money order at the post office?
Yes. USPS will cash domestic money orders for free with a valid government-issued ID.
Can you buy a USPS money order with a credit card?
No. USPS only accepts cash, debit cards, and traveler’s checks.
Do USPS money orders expire?
No. USPS money orders do not expire, and they do not incur additional fees over time.
Conclusion
USPS money orders are affordable, secure, and widely accepted. Whether you need guaranteed payment, a safe way to send money, or a reliable place to cash a money order, USPS is one of the best options. For alternatives, explore banks, mobile payment apps, or retailers like Walmart that offer similar services.