Here’s my step by step guide of spotting one from my observations, so it’s a bit generalized:
- “Industrialized” areas will have bill pay locations
- Working class areas will have bill pay locations
- Underbanked areas will have bill pay locations
There’s plenty of Moneygram and Western Union locations, but if you go inside and ask about bill pay or money orders, oftentimes, the mom and pop’s do not have a PIN terminal. There are a few gems out there, so you must be persistent and persevere and ask around. If it’s an area you are active in, you should watch the customers and see what type of transactions they do. For instance, there are plenty of pharmacies (not your big box like CVS, Walgreens, Duane Reade, et al) that are Western Union agents, but not a single one have a PIN terminal set up to the Western Union machines because these pharmacies are serving immigrant customers who are underbanked and transact cash only. For instance, KMart by my job has a PIN terminal hooked up to their Western Union machine, but as fraud prevention they transact cash only.
Sorry, if your expectations or your normal “step by step” guide of spoonfeeding, you need to put the legwork in. Good luck out there!