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What if it goes missing or gets stolen? With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel a money order.

To do so, either fill out a form or take the money order back to the place you originally bought it. Bring identification and any information you have about the money order ideally, you have a receipt to start the process.

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The sooner you act, the better: Read on for more details about the process. You can often do this in person, but you can also mail a form in with Western Union, you can submit the form by fax or email — which is a good idea since it will get processed sooner.

Submitting your request in person is safest: You should be able to visit any post office that deals with USPS money orders, and you can use different branches of the same bank or credit union. Keep your receipt any time you buy a money order.

Even a photo of the original money order is helpful.

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Once you submit your cancellation request, the money order issuer will research the item and confirm that it has not been paid. Plan for the process to take days , but the timeframe can vary depending on how complex the situation is.

Yes, that is a long time to wait. If theft or fraud was involved, this could help you and law enforcement track down thieves, and it may help you get your money back especially if the bank that paid out funds did not properly verify the identity of whoever cashed the money order.

To be safe, cash or deposit the money order as quickly as possible — this reduces the chances of cancellation. You can try to verify the item by calling the issuer before you send merchandise, but the absolute safest approach is to cash the money order.

Again, for up-to-date forms, and the fastest service, contact your money order issuer immediately.

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