Does Target Do Money Orders?

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• Target does not accept money orders, personal checks, cashier’s checks, or business checks.
• Accepted payment methods at Target include cash, debit/EBT cards, and most major credit cards.
• Target RedCard provides 5% off purchases and other benefits.
• FSA/HSA cards are accepted for eligible health-related items at Target.
• Target gift cards can be used for in-store and online purchases.
• Money orders are not accepted due to fraud risk and slower processing times.
• Alternative payment options include using the Target RedCard or online payment methods like PayPal and Apple Pay.
• Target customers can mail in payments for larger purchases or pay on account.

Does Target Do Money Orders?

When shopping at Target, you may wonder about the different payment methods they accept. Specifically, you might be asking, “Does Target do money orders?” This is an important question for many customers who may prefer using a money order for their transactions.

Unfortunately, Target does not accept money orders as a form of payment. Along with money orders, Target also does not accept personal checks, cashier’s checks, or business checks.

In this blog post, we’ll explore in detail the payment methods Target accepts, the reasons behind these policies, and some alternative ways to make your purchases if you’re looking for payment methods other than cash or a card.

Let’s dive into the specifics so you can shop at Target with confidence, knowing exactly what payment options are available to you.

Target’s Payment Policy: What They Don’t Accept

Target has a clear policy when it comes to payment methods, and it’s important for customers to understand what forms of payment are not accepted. If you’re asking, “Does Target do money orders?” the answer is no.

Target does not accept money orders. But that’s not all. There are other payment methods that Target explicitly does not allow:

1. Money Orders: Target does not accept money orders for any transaction. If you’re used to paying with a money order at other stores, you’ll need to find an alternative payment method when shopping at Target.
2. Personal Checks: Personal checks are not an acceptable payment method at Target. While some retailers may accept personal checks, Target does not, likely due to the risk of fraud or delays associated with this form of payment.
3. Cashier’s Checks: Similar to personal checks, cashier’s checks are not accepted at Target. These checks are often used for large payments, but they’re not an option at Target.
4. Business Checks: Business checks are also not accepted for payments. If you need to make a payment for business-related purchases, Target suggests using an alternative payment method.

Accepted Payment Methods at Target

While Target doesn’t accept money orders, checks, or other similar payment methods, there are several options for paying for your items. Let’s go over the payment methods Target does accept.

1. Cash: Cash is always an accepted form of payment at Target. Whether you’re shopping in-store or making a purchase online for in-store pickup, you can pay with cash. However, if you’re shopping online, you’ll need to choose a different method for payment, as cash cannot be processed through Target’s online platform.
2. Debit and EBT Cards: Target accepts debit cards, which are linked to your checking account. This is one of the most common forms of payment for many customers. Additionally, Target accepts EBT (Electronic Benefits Transfer) cards for eligible food and grocery items, allowing those who are enrolled in government assistance programs to shop at Target.
3. Credit Cards: Target accepts most major credit cards. This includes Visa, MasterCard, Discover, and American Express. You can use your credit card to pay for your in-store and online purchases. Keep in mind that using a credit card may come with interest charges if not paid off promptly.
4. Target RedCard: One of the most beneficial payment options is the Target RedCard. The Target RedCard is a store-specific credit card or debit card that offers various perks, such as 5% off on most purchases, free shipping on Target.com, and extended returns. Using a Target RedCard is an excellent way to save money while shopping.
5. FSA/HSA Cards for Eligible Items: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use your FSA/HSA cards to pay for eligible health-related items at Target. These cards are typically accepted at checkout for products that qualify for FSA or HSA reimbursement.
6. Target Gift Cards: Another easy way to pay at Target is with a Target gift card. These cards can be purchased at Target locations or online and used like cash for in-store or online purchases. If you receive a gift card as a present, it’s a convenient way to shop at Target without needing to use a debit or credit card.

Why Doesn’t Target Accept Money Orders?

Now that we’ve covered the types of payments Target does not accept, you may be curious as to why they don’t accept money orders. Money orders are commonly used as an alternative to checks, but Target has chosen not to accept them. The primary reason for this is the risk associated with handling money orders.

Money orders can sometimes be used for fraudulent transactions, and the processing time can be slower compared to electronic payments like debit or credit cards.

By limiting payment options to cash, debit/credit cards, and other electronic methods, Target can streamline their payment system, reduce fraud risk, and ensure quicker transactions for customers.

Another reason could be convenience. Money orders require physical handling, whereas credit and debit card transactions are quick and easy, and Target can process them immediately. This is beneficial for both customers and the store itself.

Alternative Payment Options: What If You Don’t Have Cash or a Card?

If you’re in a situation where you don’t have access to a debit or credit card and still need to shop at Target, there are some alternatives that may help:

1. Use Your Target RedCard: As mentioned earlier, the Target RedCard offers great benefits and can be a good alternative if you don’t have cash or a standard credit card. If you don’t already have one, you can apply for a Target RedCard online or in-store. The card comes in both credit and debit versions, giving you flexibility based on your needs.
2. Mail a Payment: If you are making a larger purchase or prefer to mail in a payment, Target does allow customers to mail in payments to pay on account. This can be a useful option for customers who may not have access to digital payment methods at the moment.
3. Online Payment Methods: If you’re shopping online, there are other online payment options such as PayPal, Google Pay, or Apple Pay that you can link to your bank account or credit card. These methods are accepted for online purchases and can serve as a substitute if you don’t want to use your credit or debit card directly.
4. Partnering Services: Some financial services offer alternatives to credit or debit card payments. For example, services like Afterpay or Klarna allow you to buy now and pay later. These services often offer installment plans, giving you more time to pay for your purchase. They are widely accepted at Target both in-store and online.

Frequently Asked Questions

Here are some of the related questions people also ask:

Does Target accept money orders for online purchases?

No, Target does not accept money orders for any type of purchase, whether in-store or online.

Can I pay with a check at Target?

No, Target does not accept personal checks, cashier’s checks, or business checks as payment.

What payment methods does Target accept in-store?

Target accepts cash, debit/EBT cards, credit cards (Visa, MasterCard, Discover, American Express), Target RedCard, FSA/HSA cards for eligible items, and Target gift cards.

Can I use my Target gift card online?

Yes, you can use your Target gift card for online purchases, as well as in-store transactions.

What is the Target RedCard and how does it work?

The Target RedCard is a store credit or debit card that offers benefits like 5% off most purchases, free shipping on online orders, and extended returns.

Can I use my EBT card at Target for non-food items?

No, EBT cards are only accepted for eligible food and grocery items at Target.

Can I pay for Target items using PayPal?

Yes, PayPal can be used for online purchases at Target.

Can I use a money order to buy a Target gift card?

No, money orders are not accepted at Target, including for the purchase of gift cards.

What should I do if I don’t have a debit or credit card to shop at Target?

You can use alternative payment methods like the Target RedCard, mail a payment for larger purchases, or use online payment services like PayPal or Apple Pay.

The Bottom Line

If you’ve been wondering, “Does Target do money orders?” the answer is no. Target does not accept money orders, personal checks, cashier’s checks, or business checks as payment methods.

However, there are various other ways you can pay for your purchases at Target, including cash, debit cards, credit cards, Target RedCard, FSA/HSA cards, and Target gift cards. Additionally, there are alternative payment methods like applying for a Target RedCard, using online payment options, or paying by mail for larger transactions.

Understanding Target’s payment options ensures that you’re prepared for your next shopping trip, whether in-store or online. While money orders aren’t accepted, there are still plenty of convenient ways to make your purchases at Target. Happy shopping!