USPS SSA Window Practice Exam

What form of payment cannot be made using a credit card?

1. Money orders

2. Online bills

3. Store purchases

4. Gift cards

The correct answer is: Money orders

Money orders cannot be purchased using a credit card because most financial institutions and retailers that sell money orders require a payment method that is directly linked to cash or a bank account, such as cash itself, a debit card, or a check. This is largely due to the risk of credit card chargebacks, which can complicate transactions involving money orders, as they are intended to be a secure form of payment sent through the mail. In contrast, online bills, store purchases, and gift cards can all typically be purchased with a credit card. Businesses often accept credit cards for these transactions because it provides a layer of consumer protection and is a standard method of payment. Therefore, the main reason money orders are excluded from payment via credit card is linked to the nature of how they operate and the associated risks involved.