If you love shopping at Walmart and you just got Apple Pay, you might be wondering if you can use it there to pay for things. Here’s the short answer:
Walmart doesn’t take Apple Pay, whether you’re shopping in-store or online. They support all the payment options other stores of this magnitude do, however using Apple Pay to pay at Walmart isn’t an option at this point in time.
Keep on reading to find out more about Apple Pay and Walmart shopping, as well as Walmart Pay.
What Payment Options Does Walmart Accept?
Walmart accepts plenty of different payment options. Some of them quite handy. Here’s what you can use to pay at Walmart:
- Debit cards
- Credit cards
- Gift cards
- Walmart Pay
- Capital One Walmart Credit Cards
- Chase Pay
- Personal checks
As you can see, there’s no shortage of payment options at Walmart. They accept all major credit and debit cards, as well as their own Walmart-issued credit cards and their Walmart Pay service.
If you need to pay off a purchase without using a credit card, you can use Affirm Installment Financing to pay off goods in 3, 6, or 12 months.
Popular payment options from Apple, Google, and Samsung are surprisingly NOT accepted at Walmart. Their POS terminals probably do have that ability, but the company chose to forego these popular payment methods.
How to Setup Walmart Pay
Now that we know that Walmart doesn’t accept Apple Pay; what is our alternative other than carrying a card with us to shopping?
Walmart developed a competitor to Apple Pay (and probably the reason why they don’t accept it at their stores) – Walmart Pay.
You can use Walmart Pay to pay for items in-store or online. You can add credit, debit, and gift cards, as well as EBT and benefits cards.
Setting up Walmart Pay is easy and takes three minutes.
- Download the Walmart app
- Open the app
- Tap on “Walmart Pay”
- Sign in to your Walmart account, or register for a new one
- Choose a saved debit, credit, or gift card
- Create a 4-digit passcode
- Accept terms and conditions
Here are the required steps if you have a Walmart Pay account already:
- Download the Walmart app
- Open the app
- Tap on “Account”
- Tap on “Wallet”
- Add a payment method to the wallet
- Credit/debit card
- Gift card
- Electronic Benefits Transfer (EBT)
- Benefit card
- Follow the instructions
How to Use Walmart Pay
Using Walmart Pay to pay for stuff at Walmart stores is straightforward. Here’s the process:
- Scan all your items at the register
- Use any Electronic Benefits Transfer (EBT) balances (WIC & SNAP, etc.) before using Walmart Pay
- Tap the green “Pay button”
- Open the Walmart App
- Tap on “Walmart Pay”
- Scan the QR code on the register with your phone’s camera
- Tap “Pay Now”
- View Receipt (optional)
Your select method of payment always shows at the base of the screen. Additionally, if you have a gift card, the amount on it will automatically be utilized for payment before other options. You can also turn off this setting.
Walmart Pay Benefits
There are some benefits to using Walmart Pay. It’s not Apple or Google Pay, but it has its advantages.
For instance, it allows you to conveniently pay touch-free. When you need to return something, you don’t have to trouble yourself with finding the paper receipt.
It’s because all the receipts from your previous purchases remain in the Walmart app for you to access them at any time.
Paying with Walmart Pay is also eco-friendly because it eliminates paper receipts.
Here are some other benefits:
- You can leave your wallet behind and pay touch-free
- Go to ANY checkout lane, scan your things and hold your phone over the QR code on the cash register to pay
- Uses any credit, debit, or gift cards that you saved to your Walmart account
- Bring any paper coupons to the cashier as you would usually
- Effortless access to your permanent e-receipts makes returns uncomplicated
- The checkout scanners don’t use your phone technology instead of near-field communication (NFC).
- It only sends a message to Walmart’s server to say it’s fine to make the purchase
- Also, your PIN or TouchID is required each time you make a purchase. This ensures that no one else can use Walmart Pay if you lose your phone
- You also enter the PIN on your phone instead of on the register PIN pad, so it’s harder for anyone to see your PIN as it’s entered
- Your information is always encrypted over secure networks
- Your card information is never sent to the store itself
Walmart Pay is also good for budgeting because all your Walmart shopping is kept in the app where you can quickly see how much you’re paying each month on your groceries, household and other goods, and any other purchases, really.
Walmart Pay Disadvantages
There are some disadvantages to Walmart Pay. First, you can only use it at Walmart.
Walmart Pay also works in all Walmart stores but doesn’t work at Walmart or Murphy fuel pumps and gas stations.
Because the Walmart app doesn’t connect directly to your bank, you won’t be able to use Walmart Pay to receive cash back at the checkout. It also can’t be used in Sam’s Clubs.
Walmart Pay vs. the Walmart app
Some people use the terms Walmart app and Walmart Pay interchangeably, however, they are different.
First of all, Walmart Pay is a part of the Walmart app. You use it to store your debit and credit card details and acts as a wallet that you’d use at the register to pay for your items.
On the other side, you can use the Walmart app to shop online. You can also use it in-store to scan items and add them to your cart or shopping list, track deliveries, get member prices on fuel, etc.
In conclusion, Walmart doesn’t take Apple Pay or other similar payment options such as Google or Samsung Pay. However, there are other, more or less useful, ways for paying at the Walmart cash register.
When you go shopping at Walmart, you have to bring your debit or credit card with you if you don’t want to pay by cash, or you can sign up for Walmart Pay in the Walmart app if you’re a frequent Walmart shopper.
Adrian Volenik is a fintech enthusiast who loves testing and reviewing digital banking apps and financial products in general. How many digital banking accounts can one man have? Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.