How to Refund a Money Order: USPS, MoneyGram, Western Union, etc

Short Answer: It is possible to get a money order refund from banks, credit unions, MoneyGram, the U.S. Postal Service, or Western Union — as long as you were the original purchaser. The process varies by the issuer but may involve either visiting the original issuer for assistance from an agent or filing a claim by mail. If you did not purchase the money order, you typically cannot get a refund. Below, we give an overview of the general money order refund process and provide detailed rules and instructions for the major money order issuers.

In This Article

What to Know Before Asking for a Refund

While you can usually get a money order refund, it can be costly and time-consuming. First, you should make sure the money order hasn’t been cashed by someone else. Remember that when you request a refund, you are still liable for the original money order made out to someone else until a stop payment is issued. If you request a refund, but someone else cashes the money order while the refund is processing, you’ll be on the hook for the money order amount.

Additionally, if you have the money order, you should not attempt to alter or correct it before requesting a refund. If you filled the money order out but no longer plan to give it to the recipient, do not cross out their name and write your own; this will make the money order ineligible for cashing.

Keep an eye on the money order expiration dates. Some providers may not have expiration dates or may still issue a refund after an expiration date assuming that the purchaser still has the original money order and receipt. This policy varies, though, and you should confirm the company’s policy on expired money orders before sending them any paperwork and fees. For more information on money order expiration dates, see our article Do Money Orders Expire? How Long Are They Good For? Answered.

An Overview of the Refund Process

When trying to obtain a refund, having your original money order receipt will make life a lot easier. While Western Union does issue refunds without the original receipt, the USPS and MoneyGram don’t. Bank and credit union rules vary per institution.

If you have the original money order, have the original receipt, and the money order is still blank (you haven’t made the order out to anyone yet), then simply make yourself the recipient of the order and cash or deposit it at a bank or other location that accepts money orders (for more information on how to cash a money order, check out our list of places that cash money orders).

If you have the original money order but you already filled it out to someone else, do not cross out the payee’s name on the money order; instead, you can write “not used for intended purpose” on the first line for endorsements on the back, and then endorse the money order. Then, cash the money order or deposit it into your bank account.

If you filled out the money order but made a mistake, you should not cross out and rewrite your mistake. As noted above, if you alter the money order after completing it, neither you nor the intended recipient will be able to cash it. Instead, you should follow the issuer’s claim process and request a refund or replacement. Below, we provide detailed refund instructions for each issuer — banks, MoneyGram, the U.S. Postal Service, and Western Union. If you request a refund but still intend to send the money order to its original recipient, you will need to purchase a new money order and make sure it is correctly filled.

If you did not originally purchase the money order, you will have trouble getting a refund. If the money order is blank, you may be tempted to make it out to yourself and cash it — but you can face legal consequences for doing this if the money order is reported stolen. If the money order has been filled out and you are neither the original purchaser nor the person named on the money order, you will be unable to get a refund. With no proof that you are a party to the money order, your only option would be to contact the original sender, who could then request the refund.

Rules for Each Issuer

Banks & Credit Unions

  • Receipt necessary to obtain a refund: Varies by institution
  • Type of Refund: Varies by institution
  • Time it takes for refund to be issued: Varies by institution
  • Cost of requesting a refund: Varies by institution

If you purchase a money order from a bank or credit union, ask about their refund policies before you buy.

If you have the original money order and it has not been cashed then you can follow these steps to obtain a refund:

  1. Go to the bank or credit union where the money order was purchased.
  2. Bring your money order and receipt (which will contain the money order number, amount, date, and payee information).
  3. With the teller/cashier watching, turn the money order over and write on the endorsement line: “Not used for intended purpose,” followed by your signature.
  4. With government-issued ID, you’ll then be able to deposit the funds into your account.

If you no longer have the original money order, or it is lost, damaged, or stolen, follow these steps:

  1. Go to the bank or credit union where the money order was purchased.
  2. Bring your receipt (which will contain the money order number, amount, date, and payee information).
  3. If the money order was made out to someone else, the bank or credit union representative will first check to ensure that it was not already cashed.
  4. If the money order was not cashed, the bank or credit union representative can initiate stop payment procedures (stop payment usually takes at least 24 hours to complete).
  5. Following successful stop payment, you’ll be able to obtain a replacement money order on the following business day, and then cash it or deposit it into your account to recover the funds.

Please keep in mind that the processes for applying for a refund or re-issuance from banks or credit unions can vary according to the financial institution.

MoneyGram

  • Receipt necessary to obtain a refund: Yes
  • Type of Refund: Refund Check
  • Time it takes for refund to be issued: 15 to 20 days
  • Cost of requesting a refund: $18

As mentioned earlier, a receipt is essential to receive a refund from MoneyGram. If you have lost your receipt, unfortunately, you will not be granted a refund (neither will recipients).

If you have the original money order and it has not been cashed then you can follow these steps to obtain a refund:

  1. Do NOT alter the money order in any way.
  2. Bring your money order and receipt to a bank or check-cashing store and ask if they will refund it for you.
  3. Once you have found a location that will accept the money order, with the teller/cashier watching, turn the money order over and write on the endorsement line: “Not used for purpose intended,” followed by your signature.
  4. The bank or check cashing store will then issue a refund.

If you no longer have the original money order, or it is lost, damaged, or stolen, follow these steps:

  1. Start the process by filling out this form, contacting MoneyGram by phone (1-800-542-3590), or returning to the originating place of purchase.
  2. Receive or print the Money Order Claim Card.
  3. Fill out the Money Order Claim Card, following instructions carefully.
  4. Make sure you sign the card; MoneyGram will not reissue your money order if you don’t.
  5. Keep the top half of the form for your records.
  6. Attach a copy of your money order receipt.
  7. Include processing fees ($18.00).
  8. Make and keep copies of all the paperwork and payment for your own records.
  9. Return the signed claim card, receipt, and payment to MoneyGram by mail to MoneyGram International (address provided on the form).
  10. If the money order has not been cashed, a refund check may be issued.
  11. If the money order was already cashed, MoneyGram will send you a photocopy of the cashed money order. Claims are processed within 15 days of receipt (with an additional five days for mailing).

United States Postal Service (USPS)

  • Receipt necessary to obtain a refund: Yes
  • Type of Refund: Refund Check or Replacement Money Order
  • Time it takes for refund to be issued: 60 days
  • Cost of requesting a refund: $5.95 by mail or $10-$19 online

The USPS offers refunds on money orders up to two years from the original date of purchase within the United States, and 90 days internationally. It will not issue a refund without a receipt.

If you no longer have the original money order and you want to obtain a refund, you must first initiate a payment inquiry with the USPS either in person at a physical USPS location or online via the USPS website.

If you have the original money order and it has not been filled out or cashed, follow these steps to obtain a refund:

  1. Do NOT alter the money order in any way.
  2. Bring your money order, receipt, and identification to the Post Office.
  3. Go up to the customer service desk and endorse the Money Order according to what the service representative tells you to do.
  4. The Post Office will then cash the money order for you.

If the original money order is damaged, destroyed, or you want a refund after filling it out, follow these quick steps:

  1. Go to the Post Office and bring “the negotiable portion of the money order and the matching customer receipt.” If you filled the money order out to another person, do not cross out their name.
  2. After verifying the order, the Post Office will issue a replacement money order.
  3. When you receive the replacement, you can write your name as the recipient.
  4. Take your new money order to be cashed or deposited (for more information on how to cash a money order, check out our list of places that cash money orders).

If you no longer have the original money order, or it is lost or stolen, follow these steps:

  1. Go into your local post office branch with your money order receipt.
  2. Request and fill out PS Form 6401 Money Order Inquiry Form.
  3. Give the form to the clerk for verification.
  4. Pay the $5.95 processing fee.
  5. Keep your receipt, with inquiry ID, in a safe place.
  6. Wait for the USPS to process your payment inquiry (this takes approximately 60 days) and mail you a resolution letter with their findings and further instruction.

If you would like to initiate the search yourself via the USPS website to determine if your money order was cashed (this is the more expensive method), follow these steps:

  1. Go to the USPS website.
  2. Fill out the USPS Money Orders Search – Secure Order Form.
  3. Select a type of search: a USPS database search ($10.00) or include a search of your state’s unclaimed funds database (extra $5.00, per state included).
  4. Decide if you want the results delivered by email (included) or by USPS First Class Mail (extra $4.00).
  5. Provide your credit/debit card information.
  6. Submit your search.
  7. Wait for the USPS to research your claim.

Next steps will depend on if the money order was cashed by the payee or not, and if it was cashed fraudulently. If the money order was not cashed or was cashed fraudulently, the outcome will most likely be an issuance of a blank replacement money order for the original amount.

Western Union

  • Receipt necessary to obtain a refund: No
  • Type of Refund: Refund Check
  • Time it takes for refund to be issued: 6-8 weeks
  • Cost of requesting a refund: $15 with receipt or $30 without receipt

Like most issuers, Western Union refunds purchasers and recipients of money orders for those that are lost, stolen, or destroyed. It also processes money order refund requests without a receipt.

In addition, if the money order is already cashed, they will mail the requestor a photocopy of the cashed money order.

If you have the original money order and it has not been cashed then you can follow these steps to obtain a refund:

  1. Do NOT alter the money order in any way. Do not cross out or attempt to change the name of the payee after filling it out; any attempted alterations or corrections will make the money order ineligible for cashing.
  2. Bring your money order and receipt to a bank or check-cashing store and ask if they will refund it for you.
  3. Once you have found a bank that will accept the money order, with the teller/cashier watching, turn the money order over and write on the endorsement line: “Not used for purpose intended,” followed by your signature.
  4. The bank will then issue a refund.

If you no longer have the original money order, or it is lost, damaged, or stolen, follow these steps:

  1. Contact Western Union online or by phone (1-800-999-9600).
  2. Receive or print the Money Order Customer Request (have receipt) or Money Order Research Request (do not have receipt) form.
  3. Fill out the request form.
  4. When using the Money Order Customer Request form: a signature is required, or your refund will not be processed. When using the Money Order Research Request form: a signature is required, and you must have it notarized.
  5. Attach your money order receipt.
  6. Include processing fees ($15.00 with receipt or $30.00 without receipt).
  7. Make and keep copies of all the paperwork and payment for your own records.
  8. Return the signed claim card, receipt and payment to Western Union by mail, email (RMO@westernunion.com), or fax (1-720-864-0477).

Western Union takes six to eight weeks (longer end of the spectrum is for those without a receipt) to process requests.

In Summary

Refunding a money order takes time — and, in some cases, paperwork — but it is possible through the issuing bank or credit union, MoneyGram, USPS, or Western Union. If you still have the money order and it is still blank, you can make it out to yourself, or write “not used for intended purpose” on the endorsement line, and then sign it. In these two instances, you can deposit the money order into your own account or cash it at a business that cashes money orders. If you already gave the money order to someone else, filled it out, or lost it, you’ll have to go through an issuer-specific refund request process, which typically involves filling out a form, paying a fee, and waiting up to 60 days for processing. Keep in mind, you can only refund a money order if you are the original purchaser, and it helps to have the original receipt.

Leave a Comment

109 comments

  • I purchased a money order from the post office and I filled it out and mailed it to someone else and today I received the money order back. So is there a way I can get a refund back from the money order?

    • Hello, Carolyn! Do you have the receipt from when you originally purchased the money order? Since you have the money order and the recipient did not cash it, you should be eligible for a refund; however, USPS will not issue a refund without the receipt.

  • I have a money gram money order I wrote it out for my rent, but no longer need it, can I return it to where i purchased it from and get a refund or can I deposit it into my account by signing the back. Or do i have to file a claim and go through the long process of a refund?

    • Hi Samone,

      You should be able to write “not used for intended purpose” and endorse the back of the money order, then deposit it into your bank account. You may be asked to show a photo ID when you deposit it. While some places will let you return a money order, many won’t, so your better option is probably to deposit it.

  • I wired money thru western union. It did not go thru. I was told I would receive a refund in the mail. It must be lost. I have no receipt now. The customer rep at western union was no help. What can I do?

    • Hi Diana,
      You’re in luck — Western Union will issue refunds even if you don’t have the original receipt. Unfortunately, the process will take a bit of time and cost you some extra money. To request a refund, follow these steps:
      1. Print and fill out the Money Order Research Request form. When using the Money Order Research Request form: signature is required and you must have it notarized.
      2. Include processing fees ($15.00, with receipt or $30.00, without receipt).
      3. Make and keep copies of all the paperwork and payment for your own records.
      4. Return the signed claim card, receipt and payment to Western Union by mail, email (RMO@westernunion.com), or fax (1-720-864-0477).

      Hope this helps!

  • Hola compre un moneyorder de 57 dolare para pagar el dentista pero luego me informaron que ya no era nesesario elpago pero yo ya había llenado el money order que puedo hacer que opciones tengo.

    • Hi Karen,

      Each money order issuer (the Post Office, MoneyGram, and Western Union) has its own process for getting a refund. If you have the receipt, you can try going back to the store where you bought the MoneyGram and asking to return it. For MoneyGram, use this tarjeta de reclamo de giro postal. It costs $18. For Western Union, use this Money Order Customer Request form. It costs $15. For the Post Office, go back to the Post Office to ask for a refund. It costs $6.

      Because your money order is small and there are significant fees to get refunds, I wonder whether you could ask the dentist to accept the money order and credit it towards future dental services. That way you wouldn’t loose any money.

    • Buenos días Karen,
      Traduzco lo que ha escrito mi colega Laura para que le sirva mejor. Si usted ha llenado el money order pero ya no lo va a usar, puede pedir un reembolso — el proceso es más fácil si tovadía tiene usted el recibo.

      Si viene el money order de MoneyGram, llene esta tarjeta de reclamo . Le costará $18.
      Si viene el money order de Western Union, hay que llenar este formulario – el Money Order Customer Request. Le costará $15.
      Si viene el money order de la oficina postal, puede regresar a la oficina y pedir un reembolso directamente. Le costará $6.

      Si usted ya no tiene el recibo que debía haber recibido cuando compró el moneyorder, favor de decirme y puedo ayudarle y darle unos formularios diferentes.

      Dado los precios altos ($6-$18) que se debe pagar para recibir el reembolso, quizá sería mejor preguntarle al dentista si pudiera aceptar este moneyorder y acreditar su cuenta para el futuro. De esta forma, no perdiría ningun dinero.

  • I purchase a western union money order made the money order out to Riverwood apartments for a deposit. The money order was return back to me I have the original money order but I lost the receipt.

  • USPS money order was lost in the mail. 🙁
    Sent the letter with money order certified signature required tracking on the letter and once it left the post office nothing was scanned.
    Today I filled out the USPS money order form 6401 inquiry. How long does take to get a refund issued?

  • Hi. I purchased a money order today at our local Stripes and it is a Western Union money order. I wrote it out for payment for my rent in front of person and accidentally tore the bottom right side of it where the numbers are. They said they would not accept it torn. How do I go about in getting a refund? There is a local western union where I live. Please advice. Thank you

    • Hi Leticia,

      I assume you still have the money order and the receipt then? First, I would recommend calling your local store or going back there to ask whether they can refund, or if they have a lost or stolen money order form you could use to get a refund. They might be able to help you if you still have the money order and receipt. Otherwise, you can request a refund through Western Union. Use this form if you still have the receipt, or this form if you do not. There’s a $15 fee if you have the receipt and a $30 if you do not. Good luck!

  • I bought this money order from Walmart and sent it to someone. However, it was sent to wrong person/address and the money order came back. Now that it is addressed to someone else, how can I get the refund? I have original as well as the receipt for the money order. I took it to Walmart but they said that they could not refund me and suggested me to contact Money Gram…I am confused. Basically, I had 2 similar money orders since it was intended for an application fee for my grandpa and grandma’s visa….Please help. Thanks.

    • Hi Arun,

      You have to request a refund through MoneyGram on this one. Since you have the receipt and the money order, you shouldn’t have any trouble receiving a refund. Go here to find the form you need to get the process started.

  • Hi. My mom was given a WU Money order that is now over a year old and the bank says its stale dated. The person that gave it to her no longer has the receipt. The only process i can find is if the buyer is trying to replace the mo, not the payee. Plus the mo states there is a dollar per month charge. Is that legal in Massachusetts? Would a Western Union Agent cash the mo for her?

  • I bought a money order from quick trip and filled it out for my apartment complex but ended up not using it. I have the receipt and money order, how can I get my refund?

    • Hi Autumn,

      Here’s how to refund your unused money order: Go to the bank or store where the money order was purchased. Bring your money order and receipt. The teller will ask you to write on the back of the check, “Not used for purpose intended.” You can then receive your refund.

  • I sent a MoneyGram to someone & I’d like to get a refund but the problem is the money has already been cashed. Will MoneyGram still refund me?? I have the receipt & everything with me.

    • Hi Sihle,

      Unfortunately, you cannot receive a refund once the money order is cashed. Wish I had better news for you!

  • I bought a money order. I got sick and was in the hospital for awhile. I had filled out the money order to my landlord, but never mailed it. Now i have the reciept but not the money order.. its lost in my house somewhere in an envelope. I called to see if it was cashed it says it wasnt cashed, so i wanted to get my money back. I am broke right now and can really use the money. If i dont have any money for fees how can i go about getting the money back from the money order.

    • Hi Delisa,

      If you let me know what company the money order was issued through (MoneyGram, Western Union, USPS), I can get you the info you need to get a refund.

        • Hi Delisa,

          Unfortunately, there is a $15 processing fee for requesting a refund from a Western Union money order. Since you have the receipt, you can fill out the refund request on the back of the receipt and send it, along with the processing fee, to Western Union.

  • I received a Western Union money order from my tenant. I made a mobile deposit with my bank (have done so many times), it was returned as “altered or fictitious” from my bank.
    My bank says everything looks ok with it. It wa made payable to me with his address on the purchaser line and he signed it. The store stamped it with the correct amount and everything, nothing was crossed out or changed.
    My tenant purchased it from the grocery store. How do we get a refund on it?

    • Hi Greg,

      This is a really unique situation, since you say there was no fraud on anyone’s part causing this to be flagged by your bank. I would recommend contacting Western Union’s Customer Care number at 1-800-325-6000, so you can talk to them about your dilemma. They can walk you through the refund process, if necessary. Good luck!

  • I used money order from USPS to pay for a bill. It was cashed by not by correct people. I do not have original receipt. How can i track it

  • I bought a money gram to pay for a class an they stamped the back of it but crossed out an stated not intended for use. Well i gave the wrong money order amount an want to know if I can just cross out the three letters i began to write on the pay to an write out the name person i first intended to make this money order to? Or is this not possible? I already signed for purchaser in front of the $ order, please help…

    • Hi Felicia,

      In most cases, if you still have the receipt, you can take the money order to your bank or check cashing business and get cash back, regardless of the name you started to write. You will be asked to endorse the back and write “not used for purpose intended.” Good luck!

  • I bought a money order (moneygram)at the beginning of march but wrote the wrong name on it and realized before sending it. I took it back to walmart where I had purchased it the next day with the receipt and walmart would not cash it, they said I had to mail it back to moneygram to process a refund. I have contacted moneygram 4 times to figure out the easiest way to get this money back and have gotten no replies. I cannot get through on their phone line and have been using their contact me email form on their website. Does anyone have recommendations? I still have the money order as well as the receipt.

    • Hi Aubree,

      I am sorry to hear of your frustrating attempts to get a hold of MoneyGram! Walmart is right — you do need to get a hold of MoneyGram. Contact them at 1-800-542-3590. You can also bypass a phone call and print a refund request form here to start the process. Hope this helps!

  • My money order was damage by usps it got set back to me I got it at Walmart I still got my receipt from it

    • Hi Jerry,

      Unfortunately, if the money order itself is damaged to the point that it cannot be cashed (either at Walmart or at your own bank), you’ll need to follow the process described in the article above to pursue a refund through MoneyGram. Best of luck getting this resolved!

  • I purchased a money order from Walmart and would like a refund. The money order hasn’t been filled out and I still have the receipt. I purchased the money order this morning. Is this refund possible?

    • Hi Damon,

      If the money order hasn’t been filled out yet, the easiest thing to do is simply fill out your own name as the payee and then cash it (either with your own bank, which will be the easiest, or at Walmart). I hope this helps!

  • Hello,
    I’m in Chicago suburbs of IL and posted some of my jewelry on Craigslist. A Vietnamese woman who barely speaks English from Church Falls, VA called me a few days ago and wants to buy 2 pair of my diamond earrings. She fears to sign up with paypal, and give her bank info. or credit card. So I agreed to accept a Western Union Money Order that will be arriving in the next couple days. I checked out her name, address, and phone number that matches on white pages and other sites, and will compare it to the money order upon receiving, and will call WU to verify if the M.O. is legit. But I’m having second thoughts about this. 7-11 is where she purchased it, yet none I called will cash them, even though they sell them. And my 2 currency exchanges that use Western Union will not cash it. ( I found out from WU that sellers of them don’t need to cash them.). 🙁 So, I can cash it at my bank, however they told me that it’s possible that after I cash it, she still can stop payment and get a refund… and I may not know or would my bank for up to a month or even 2 and I’d be stuck paying back the money? In the meantime my jewelry would be long gone mailed out to her. Is this correct that Western Union won’t clear their own M.O.’s as any other checks that normally do in a week? I called WU and can’t even get a definitive answer on clearing it or how long. I know of other scams I read about, but can’t find out if this is one. My two thoughts: 1) Why would someone buy jewelry on Chgo. if from VA. which she said she just didn’t like anything in her area 2) She’s been in the US for 25 yrs. she said, but can’t speak English well? which is an afterthought. Last… Is a WU wire transfer safer since instant that a sender can’t stop or cancel? I’ve never accepted either from anyone, and I realize CL does warn us not to…..but for other reasons when I researched what types of fraud involving M.O. They don’t state that this is one. Forgive my being stupid or naive about this and need your advice.
    Thank you!

    • Hi Trish,

      As far as cashing money orders, you’re right that a great number of places will sell money orders, but very few will cash them. By far the most common scenario is for the recipients to cash the money orders in a bank. The reason that so many places are reluctant to cash money orders is largely due to the risk of cashing a fraudulent money order. Depositing the money order in a bank does still leave the possibility that the bank could discover the money order was counterfeit, at which point the funds would be removed from your account (much like a bank can reject a check if it’s discovered that there’s a problem with the deposit, even if the check is initially accepted).

      I don’t immediately see anything suspicious about the buyer’s proposal, but at the same time, it’s generally not recommended to accept money orders for any sort of purchase due to the risk of fraud. Ultimately, the decision is up to you. But if I were in your place, to be on the safe side, I would likely decline the money order purchase and hold out for a buyer who can pay through a more conventional method. Best of luck with whatever you decide to do!

  • I sent a money order with a from and it was returned, with a stamp on it from the facility it was sent to, due to insufficient funds. Can I still get my money back for this money order and purchase a new one with the correct amount?

    • Hi Kathleen,

      To get your money back for the money order, you should be able to write “Not used for purpose intended” along with your signature on the endorsement line, then deposit the money order at your bank just like you would with a normal check. While some ATMs are set up to accept money orders, I would recommend depositing it with a bank teller; this minimizes the risk of having the deposit rejected later, which can cause a major headache if the funds are suddenly withdrawn from your account when you aren’t expecting it. If the bank refuses to accept the money order as a deposit because of the “insufficient funds” stamp, unfortunately your only recourse will likely be to follow the standard refund policy as we’ve outlined in the article above. I hope this helps, and please let me know if I can answer any further questions!

  • hi I purchased a month order and made it out to my fuel company. Then decided to go with another company the money order I purchased I’d made out to the first fuel company. Can I go In and just have it printed to use for new fuel company without going threw the whole t
    Refunding process

    • Hi Heidi,

      It’s worth contacting the location where you purchased the money order to see if the agents there would be willing to print a new one with the correct fuel company as the payee. It will likely help if you have the receipt for the purchase and if the purchase took place relatively recently. It’s a good idea to give that location a call before you drive out, as there’s no guarantee that the store or branch will be willing to print a new money order for you with a different payee. If you can’t get the money order reprinted with the correct company name on it, you can instead write “Not used for purpose intended” on the endorsement line and add your signature, then deposit the money order at your bank. Then you can use the funds to get a new money order made out to the correct fuel company. I hope this helps!

  • Hello, I purchased a money order but signed my name as the reciever how can I cash it? Do I just sign the purchaser line also?

    • Hi Smit,

      Yes, you can definitely make a money order out to yourself. Just fill out your name as the purchaser and you should be able to cash it without a problem at any location you would normally cash a money order. I hope this helps!

  • I purchased a money order and it was stolen. I called to request a stop payment on the money order but the process of western union did not stop it in time and it was cashed is there any way I can still get my refund. If I am the purchaser?

    • Hi Jasmine,

      Unfortunately, Western Union doesn’t guarantee that refunds will be provided for money orders that have already been cashed. Do you have a copy of the cashed money order? If the copy shows that the money order has been tampered with or altered, you may be able to request further investigation from Western Union to try to pursue a refund. The best bet is to speak directly to a Western Union representative who can provide you with options in your particular situation. You can reach Western Union customer service at 1-800-999-9660 or by visiting the Customer Care page on the Western Union website. It may be helpful if you have documentation that you tried to place a stop payment on the money order before discovering it had been cashed. Best of luck getting this resolved!