How much does it cost to cash a check at PAYOMATIC?

Check cashing fees are regulated by the New York State Department of Financial Services and are set at 2.07% of the face value of the check (effective February 28th, 2018).

Does PAYOMATIC cash personal checks?

At this time, PAYOMATIC does not cash personal checks. However, we are happy to assist you in cashing your payroll, tax refund, social security, or any other City, State or Federally issued check.

Does PAYOMATIC cash Tax Refund Checks?

Yes. In order to assist with all of your check cashing needs, PAYOMATIC does cash Tax Refund Checks. Additionally, we are able to cash Refund Anticipation Loan (RAL) checks.

How much do Western Union money transfers cost?

The cost of a money transfer depends on the monetary value and the destination of transfer. Please contact any PAYOMATIC location, or Western Union, for detailed pricing information on your money transfer needs.

How long will my Western Union money transfer take to get to its destination?

Transfers sent domestically are typically available within 15 minutes. Transfers sent internationally may take up to 24 hours to become available. Please contact the PAYOMATIC most convenient to you for more information. Please visit and select Order Status to obtain the status of your money transfer. You will need the sender's name and the Money Transfer Control Number (MTCN) to determine if the money is available for pickup.

What will the receiver need to do in order to pickup the money?

Recipients may pick up the money transfer at any PAYOMATIC or other authorized Western Union location. You will need to complete a "To Receive Money" form with the following information: name, address, amount expected, as well as the sender's name, telephone number, and the city/state it is being sent from. Valid government issued identification with a photograph (such as a driver's license) is needed.

If the receiver can’t pickup the money whom do I call?

The Western Union Money Transfer Service is available 24 hours a day, 365 days a year over the telephone. Please call 1-800-CALL-CASH to speak with a Customer Service representative.

How much does a Western Union money order cost?

The price of a money order is as low as $1.25. For more information, please contact the PAYOMATIC location most convenient for you.

How large of a Western Union money order can I buy?

Individual money orders can be purchased in amounts up to $1,000.

Does POM cash Western Union and other types of money orders?

PAYOMATIC is able to cash most money orders. For specific details, please contact the PAYOMATIC most convenient for you.

What happens if I lose my Western Union money order?

In order to reclaim a lost money order, you will need to obtain a Tracing/Refund Request form from the PAYOMATIC location where you purchased the money order. Fill out all of the required information and sign the request form. PAYOMATIC will be able to provide proof of purchase, in the form of an agent statement. This will include the money order number, dollar amount, date of purchase, and signature of the selling agent. Follow the instructions on the request form and mail to the Western Union address for processing.

How much does it cost to make a bill payment?

The bill payment fee for almost all bills is currently $1.89 and NYC Housing payments are $2.89. The fee for the quicker posting of payments, like same-day, is $3.89 in most cases.

When is my payment received?

We now have options for payment posting speed. For some payments, you have a choice of being posted the same day, next day, or for those that plan ahead and can wait there still remains the standard 2 to 3 day posting option.

Can I make a partial payment?

Most utility companies will accept partial or minimum payments for account credit. NYC Housing payments must be made in full.

Do I need my bill to make a payment?

Having your bill in hand makes the process easier for you, but you do not need it. If you do not have your bill in hand you must know the account number and the name of the person listed on the bill. We are not able to look up your account numbers. If you need a duplicate copy of your bill, please contact the utility company.

Where can I find more information about my excella Visa Prepaid Card?

Please visit for more details on the excella Visa Prepaid Card.

Do all PAYOMATIC locations have ATMs?

Currently, 127 PAYOMATIC locations are equipped with ATMs and more are being added. All stores have POB terminals that function as though they were ATMs. POS terminals allow teller assisted withdrawal services in exact amounts.

Do all PAYOMATIC locations have NY Lotto machines?

Most of our locations have both Instant games and Lotto games. PAYOMATIC reminds you to please play responsibly.

Where do I find winning NY Lottery numbers?

Past winning numbers are available on the New York Lottery web site: Players may also obtain a copy of past winning numbers by calling 518-388-3415 or by writing to: New York Lottery, One Broadway Center, P.O. Box 7500, Schenectady, NY 12301-7500.

How large a winning ticket can I redeem at a PAYOMATIC location?

PAYOMATIC is happy to provide cash for winning tickets for both LOTTO and Instant games up to $600. Congratulations to all the winners!

  • Check Cashing

    Get cash when you need it. We cash everything from payroll checks to tax checks.

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  • Money Transfers

    Transferring money to someone you love? Send money fast, anywhere in the world.

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  • Bill Payment

    Make quick and secure payments. Don't worry about them getting lost or delayed in the mail.

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