how to fill out a money order

How To Fill Out A Money Order? Step-By-Step Guide

Want to pay bills or give money to someone but don’t want to pay it through cash, check, or credit card. For this, a money order is the best option available to pay the bills and to others as well. Now you must be wondering how to fill out a money order.

A money order is a written form of the instrument used in the place of cash, credit cards, etc. One can easily get the money orders from the authorized banks, or any money transfer services like MoneyGram, Western Union, grocery stores, and even retail shops keep the money order.

Filling money orders is a simple process but one should make sure it is done accurately. If you are filing it for the first time, it is good to read a step-by-step procedure explained below. This will give you a quick insight into filing the money order accurately.

Basic Information Required To Fill Out A Money Order: 

how to fill out a money order


A money order is also known as a prepaid check. For the payment purpose, one has to fill in certain basic details required for every financial transaction. Money Order varies from place to place as it completely depends on where you get the money order. For eg: The money order format for USPS (United States Postal Service) and Western Union have a slight difference in their respective formats. However, let’s see some basic details of which one is supposed to fill in the money order:

  • Name of the Payee
  • Address of the Payee
  • Purchase Date
  • Amount Paying
  • Name and address of the payer
  • Mention the reason for payment

Once the details mentioned above are filled in properly, the basic work in the money order is done. The date and amount are filled in at the time of purchasing the money order.

Fill Out A Money Order

Complete to following steps and send the money order. The steps are as follows:

Name of the Payee: 

A payee is a person who will receive funds from the money order. The payee can be an individual or a business to whom you want to give money for paying bills and any other financial obligations you are supposed to meet. 

The name of the payee is written as “ Pay to” or “Pay to the order of” in the money order. Mention the name of the payee in clear handwriting so that it cannot be changed in case the money order is stolen or lost. 

Payee’s name is important to mention as it designates the money order to a specific person. It will ultimately become difficult for someone else to encash it apart from the payee.

Address of the Payee: 

Another important field is the address of the payee. This field mentions just after the payee’s name field. Here, the payer requires to mention the recipient’s address. If the payee is an individual mention his/her residential address. If it is a business to which you are paying then mention the address of the business. 

Mention the address properly. Check twice, the building number, the street name, the street number mentioned rightly.

Payer’s Information: 

A payer is a person who is drawing a money order in the name of a payee. So it is also a basic requirement to fill in the details of yours (payer). The details include the name of the payer and the address of the payer. 

First fill the name of the payer against the field saying, “From” or “Purchaser” this may vary and depends on where you purchase a money order. 

Second, fill in the address of the payer against the field stating “ Address”. The field presents just below where you have mentioned the name of the payer.

Complete the Memo Line: 

A field mentioning “ Memo” is present in the money order. You need to fill this field properly and state the purpose of issuance or drawing the particular money order. 

For eg: You may use a money order to buy an item of used furniture from a local reseller. Simply you have to mention the purpose of drawing a money order.

Sign the Money Order: 

The last and final step is to sign the money order after you have filled in all the information properly and correctly. Before signing the money order go through the information mentioned once and ensure everything is rightly mentioned. 

In some money orders, the signature space is provided at the backside of the money order. Please ensure you will put your signature on the money order before depositing it to a competent authority.

What’s Next After Filling the Money Order? 

how to fill out a money order


  • After filling in the required details in the money order, check once everything is correct. If there’s a mistake don’t try to fix it yourself instead show this to the person or store from where you are buying the money order. If it is possible to correct it, they will do it for you otherwise you may also need to cancel the money order if paid and will issue a new one.
  • One has to pay for the money order before sending it. You can use a cash or debit card to pay for the money order. But some issuers also allow you to pay from a credit card as well. 
  • Apart from the charges for money orders you need to pay the issuer charges as well. The issuer charges may range from $1 to $5. The issuer charges completely depending on where you are purchasing the money order.
  • The next step is to submit the money order and receive a receipt in return for it. The receipt must contain the tracking number. A tracking number helps in trailing the money order whether it encase or not.
  • The receipt is highly important as it serves a variety of purposes in the future. If you want to cancel or replace the money order or in case of stolen or lost money order. So an original receipt is highly important to claim your money in such scenarios.

Avoid these Mistakes: 

The following mistakes should avoid while drawing a money order: 

  • Spelling Mistake in the name of the payee
  • Incorrect Address of the payee 
  • Not providing your details like name and address 
  • Not mentioning the account number on the money order in the memo line 
  • Forget to sign the money order 
  • Losing the Receipt 

Other Alternatives to Money Order: 

A money order is the most secure way to make a payment but there are many other ways to make payment as well. One should have a bank account to make payment through the following services:

  • Certified Check 
  • Personal Check
  • Wire Transfer
  • ACH Transfer
  • Cashiers’ Check 

So now, when we are about the money order and how to fill the money order. No further confusion can prevail. However, if you want to make payment through some other way, it is always good to have a bank account. The bank account is the starting or basic requirement for any financial transactions apart from cash transactions.

For more finance-related concepts you can have a look at the FinanceShed, and stay tuned for more updates.