How to Get Your Western Union Money Order Refund

Western Union is the largest global cash transfer service. It lets you send and receive funds domestically or internationally from over 200 countries and 500,000 sites in the Western Union network. 

In 2018, the company reported having moved more than $300 billion in principal around the world and completed more than 800 million transactions for its consumers and business clients.

How to Submit a Western Union Refund Request

You can request a Western Union money order refund through DoNotPay and Western Union directly. Find out which options are at your disposal below.

Can you request a refund via

Yes / No
DoNotPay

Yes

Email

Yes
Phone

No

Letter

Yes
Fax

Yes

Website

No
In-person

No

Request a Refund Over Email, Letter, or Fax if You Have Your Original Money Order or Receipt

You will need your original money order or receipt to complete this request.

  1. Fill out, sign, and date the tracing-refund request on the back side of the money order receipt, or simply complete the Money Order Customer Request form
  2. Submit these documents and the $15 non-refundable processing fee (payable to Western Union with a personal check or money order and sent to the address listed on the form) by:
  • Fax: 1-720-864-0477
  • Mail: Western Union Financial Services, Inc. P. O. Box 7030, Englewood, CO 80155 – 7030
  • Email: RMO@westernunion.com

You should allow 30 days for processing.

Request a Refund Over Email, Letter, or Fax if You Don’t Have Your Original Money Order or Receipt

You should follow this procedure if you don’t have your original money order or receipt.

  1. Print out the Money Order Customer Request form
  2. Complete and sign the form
  3. Take the form to be notarized
  4. Submit it with all available documents* showing you as purchaser and the $30 USD non-refundable processing fee (to the address mentioned on the form) by:
    • Fax: 1-720-864-0477
    • Mail: Western Union Financial Services, Inc. P. O. Box 7030, Englewood, CO 80155 – 7030
    • Email: RMO@westernunion.com

If somebody stole the money order from you or you were the victim of a fraud, you will also have to attach a copy of the police report.

Bear in mind that processing can take as long as six to eight weeks, and Western Union cannot guarantee that you will be eligible for a refund.

*The documents that prove you are the purchaser could include:

  • The original store cash register receipt
  • Copies of other money orders or their receipts purchased at the same time
  • Bank statement showing the payment
  • Copies of other money orders purchased for the same purpose and same amount (i.e., rent or mortgage) 

Refund a Money Order on Western Union Through DoNotPay

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DoNotPay is relying on groundbreaking AI technology that enables us to request your Western Union money order refund. 

If you would like DoNotPay to get your money back for you, simply do the following:  

  1. Open the DoNotPay app in your web browser or on your iOS device
  2. Tap or click on Get Protected under the Chargeback Instantly icon
  3. Answer the simple questions that our chatbot will ask (regarding your personal details, your bank, and the vendor in question)
  4. Verify your signature 
  5. Submit the request

Please note that this will work out only if you sent money through Western Union by paying with your Visa or MasterCard credit, debit, or prepaid card.

Once DoNotPay builds your case with all the necessary information, we will reach out to your bank with your refund request. The app will also attach all relevant VISA and Mastercard codes and regulations to make sure that you receive your money back. 

Do you want to avoid communicating with the bank altogether? DoNotPay can contact Western Union directly to ask for a refund in your stead. 

What Is the Western Union Money Order Refund Policy?

According to Western Union’s Terms and Conditions, and subject to the applicable law, transactions can be canceled for a refund of the full transfer amount, unless the funds have been picked up or deposited at the time when Western Union receives your written request.

You should also know that:

  • For some services (excluding Western Union’s bill payment and prepaid products and services), the company may charge a transfer fee refund if funds are not available within the specified timeframe
  • Western Union might charge you a fee to refund the transfer amount back to you if the receiver rejects your funds
  • Western Union may issue your refund through their money transfer, the credit/debit card, or bank account that you used to pay with
  • You can also request a check in the amount of the refund

Refund Policy for International Money Transfers

Under the applicable law, international transactions can be canceled for a full refund of the transfer amount (including the paid fees) within 30 minutes of making the payment, unless the funds have already been collected or deposited. You might also receive a full refund in certain circumstances if you prove that you’ve made an unintentional mistake.

What if You Suspect That You Were the Victim of a Western Union Money Order Fraud?

If you’ve transferred money and it hasn’t yet been picked up, you can stop the transaction and receive a full refund, including the transaction fee. Call the fraud hotline at 1-800-448-1492 to block the transaction as soon as possible.

If your money has been collected by the receiver, but you suspect you are a victim of fraud, Western Union encourages you to file an official fraud claim with them and to report everything to the police.

Western Union will review all reported cases to determine if a refund will be permitted. The company works hard to identify scam transactions and prevent them from going through their systems, but scammers’ tactics change constantly and are difficult to eradicate altogether. This is why you should always stay alert and learn more about how to recognize a fraud attempt.

How Long Does Western Union Take to Refund?

You should arm yourself with patience. Western Union states that qualifying refunds for transactions within the U.S. will be made within 45 days of receiving the request.

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