Hi They do claim that they will investigate any claims of mail fraud. That goes both ways. They like to know about counterfeit MO's. One rule is to never except a money order for more than the sale value. There is no reason the buyer can't make it for the exact amount. Also, if a seller, only except postal money orders. It is not that it offers any more protection it is just that the PO gets more excited if there is a counterfeit postal money order. I don't expect that the PO would correctly handle a refund, I just expect that the seller would think twice about a federal crime as compared to a state law. Postal money orders sent through the mail are federal issues. The only other thing I don't like about postal money orders is that they are real slow about checking to see if the money order has been cashed. You'd think with the current day computers, it should be an on line operation, taking seconds. Dwight