Losing a money order can be stressful — especially if it’s for a large payment. The good news is that you can usually get a refund or replacement, depending on the issuer and whether the money order has already been cashed. This 2025 guide explains how to track, cancel, and request a refund for lost money orders from USPS, Western Union, and MoneyGram.
Can You Get a Refund for a Lost Money Order?
Yes — all major issuers offer refund or replacement options. You’ll need your original receipt and may pay a small processing fee. If the money order has already been cashed, you can still request proof of payment for dispute purposes.
| Issuer | Refund or Replacement? | Typical Fee |
|---|
| USPS | Refund or replacement with PS Form 6401 | $17.30 |
| Western Union | Refund if uncashed; copy if cashed | $15 (standard) |
| MoneyGram | Refund if uncashed; investigation required | $18 (standard) |
How to Get a Refund for a USPS Money Order
- Bring your original receipt (or tracking number) to any post office.
- Request and fill out PS Form 6401 – Money Order Inquiry.
- Pay the $17.30 processing fee (as of 2025).
- USPS will research the status and issue a refund or replacement within 30 days if uncashed.
If it was cashed, USPS provides a photocopy showing the signature and date. You can use this for fraud reports or small-claims documentation.
How to Get a Refund for a Western Union Money Order
- Download or request the Money Order Research Request form from Western Union’s website.
- Attach a copy of your original receipt (if available).
- Mail the form and $15 fee (money order or check) to the address listed on the form.
- Processing time: 30–45 days.
If the money order was cashed, Western Union can send you a photocopy for confirmation but won’t issue a refund.
How to Get a Refund for a MoneyGram Money Order
- Download the Money Order Claim Card from MoneyGram’s website.
- Provide purchase details (amount, date, serial number).
- Mail the form and $18 processing fee to MoneyGram Money Order Services.
- Refunds are typically processed within 45–60 days if the order remains uncashed.
Tracking a Lost Money Order
Tracking is free with your receipt number. If you no longer have it, you can still request a manual search using your payment details, though it may take longer.
Can You Cancel a Money Order That’s Already Cashed?
No — once a money order is cashed, it’s considered complete. However, you can request a copy to see who endorsed it and use that information in a police or fraud report.
Tips to Avoid Losing a Money Order
- Always keep your purchase receipt separate from the money order.
- Write the payee name immediately after purchase.
- Store in a safe place until ready to send or deposit.
- Never mail cash or blank money orders without tracking.
Final Thoughts
You can get a refund for a lost money order in 2025, but the process depends on the issuer and whether it’s been cashed. Keep your receipt, complete the correct form, and expect a 30–60 day turnaround. For related help, see our
Do Money Orders Expire? or
CVS MoneyGram Hours & Fees guides for more details on fees and processing timelines.