What is required to endorse a money order?

To endorse a money order, a current government or state-issued picture ID is required because this verifies the identity of the person endorsing it. Money orders are considered a secure form of payment, and to ensure that the transaction is legitimate and the funds are protected, the identity of the endorser must be confirmed. The presence of an ID helps to prevent fraud and ensures that only the rightful owner can access those funds.

Other options do not suffice because, while the issuer's signature, witness signature, or phone verification from the bank may be relevant in other financial transactions, they are not standard requirements specifically for endorsing money orders. Having an identification document aligns with the regulations and practices set forth by postal services and financial institutions to maintain security and accountability in money order transactions.