May 22, 2024
This article will provide a comprehensive guide on how to cancel a money order if ever needed. It outlines the steps and procedures, the fees involved, and how to track a money order that's already been sent.


A money order is a type of pre-paid check that can be purchased from a bank, post office, or other financial institution. It is commonly used to send money to someone without using a personal check or cash. While money orders are typically more secure than personal checks and can provide a paper trail, there may be times when you need to cancel one. This article will provide you a detailed guide on how to cancel a money order and explore alternative solutions if you are unable to do so.

Your Comprehensive Guide to Canceling a Money Order

Canceling a money order is a process that can be done, but it may involve additional fees and time. Reasons for canceling a money order may vary, but some common reasons include loss of the money order, change in payment method, or recipient failing to receive the money order. Regardless of the reason, it’s important to understand the process of cancelling a money order and what to expect.

What to Know Before Canceling a Money Order: A Step-by-Step Guide

Follow these steps to cancel a money order:

  1. Contact the issuer: The first step is to contact the issuer of the money order as soon as possible. This could be a bank, post office, or other financial institution that you purchased the original money order from.
  2. Provide required information: To cancel the money order, the issuer may require you to provide certain information, such as the money order number, the amount, and the date of purchase. Additionally, some issuers may require you to fill out a form to initiate the cancellation process.
  3. Paying cancellation fees: Expect to pay a fee for cancelling a money order. The fee may vary depending on the issuer and the amount of money involved.

The Dos and Don’ts of Canceling a Money Order

Here are some general tips to follow when cancelling a money order:

  • Be polite but firm: When speaking with customer service representatives, it’s important to remember to be polite but firm. Express your concern for your situation and provide them with all the information they need to help you.
  • Don’t delay: The sooner you can contact the issuer and begin the process of cancelling the money order, the better. If you wait too long, the money order may have already been cashed and you may not be able to reverse the transaction.
  • Avoid making errors: Always double-check the information you provide during the cancellation process to avoid any errors that could further delay the cancellation.

Common mistakes to avoid when cancelling a money order include incorrect information or accidentally sending the wrong money order. These mistakes could result in a delay or even the loss of your money altogether.

When and How to Cancel a Money Order You Already Sent

If you have already sent the money order, but need to cancel it, the process may be more complex. In this scenario, you will need to follow up with the issuer to track the money order and determine if it has been cashed.

The issuer may require you to fill out a form and may take time to investigate before they can confirm whether the money order has been cashed or not. If the money order has not been cashed, the issuer may be able to cancel it at this point.

If the money order has already been cashed, you will need to consider other options, such as contacting the receiving institution to request a refund or contacting law enforcement to report the loss.

The Fine Print: Understanding Money Order Cancellation Policies

Each issuer has its own cancellation policies and fees. It is important to understand them before purchasing a money order in case you may need to cancel it later. Some common examples include:

  • Western Union: Offers refunds for cancellations that are made within 30 minutes of the purchase but will charge a fee if cancelled after that timeframe has passed.
  • USPS: Offers refunds for lost or damaged money orders, but will not refund an intact money order.
  • International Money Orders: In addition to cancellation fees, international money orders may have longer processing times and more stringent rules for cancelling.

Common Mistakes to Avoid When Canceling a Money Order

Some common mistakes to avoid when cancelling a money order include:

  • Providing incorrect information
  • Sending the wrong money order
  • Not following up with the issuer to confirm cancellation
  • Waiting too long to initiate the cancellation process
  • Not understanding the issuer’s cancellation policies

To avoid these mistakes, always double-check information and follow the issuer’s policies closely.

Exploring Alternatives: What to Do If You Can’t Cancel a Money Order

If you are unable to cancel a money order, you may have several alternative options, including:

  • Selling the money order to a third party
  • Keeping the money order for a future payment
  • Contacting the recipient and asking them to return the money

While these options may not provide a complete solution, they may be effective in recovering some of the funds involved in the transaction.


Cancelling a money order may seem like a hassle, but by following these steps and tips, you can increase your chances of successfully cancelling the order and minimizing any fees or additional costs. Remember to stay calm and polite throughout the process, and always take precautions to avoid making any errors along the way.

If you are still having difficulty cancelling a money order, don’t hesitate to reach out to customer service for further assistance. With a little patience and persistence, you can get the help you need and get back to your daily life.

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