Accepting Money orders

My client wants to give buyers an option to pay via money order. I created a payment method called “money order” which appears at checkout but when people choose it and process their order, the order goes through but the site says that their order was declined because it was not accepted by the processor. Why is it processing anything? This is not a card payment. Under “money order” settings, the template is set to money.tpl and the payment category is Other Payment Options? I'm confused.

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