Does Walmart Take Apple Pay?

In recent years, mobile payment alternatives have gained significant popularity. Apple Pay is one of the most extensively utilized services among these options. Retailers must be more open, making customers aware of using Apple Pay in-store purchases at their preferred establishments. Considering Walmart holds a prominent position as one of the world’s largest retailers, it is natural for its customers to question the following:

Regrettably, Walmart payment options do not include apple pay. However, they offer an alternative called Walmart Pay, which customers can use for their transactions. In this article, we will delve into why Walmart does not support Apple Pay and provide comprehensive information on alternative payment options available at Walmart stores.

By understanding the rationale behind Walmart’s decision and exploring the various non-Apple Pay methods, you can confidently navigate your shopping experience at Walmart without any inconvenience. Whether you prefer using Walmart Pay, credit or debit cards, or other payment options, we have covered you with all the essential details.

Let’s dive into the topic.

What Is Walmart?

Walmart is a popular retail chain known for its low prices and wide selection of goods. With over 4,600 stores across the United States, it offers convenience and accessibility to millions of customers. Whether you need groceries, clothing, household items, or electronics, Walmart is a go-to destination for affordable shopping.

What Is Apple Pay?

Apple Pay is a mobile payment service provided by Apple Inc. It allows users to make secure and convenient payments using their compatible invoice maker with Apple devices, such as iPhones, iPads, Apple Watches, and Macs. Users can make contactless payments at participating retailers in physical and online stores by linking their credit or debit cards to their Apple devices. Apple Pay utilizes Near Field Communication (NFC) technology, enabling users to simply tap their device on a payment terminal to complete a transaction. The service encrypts payment information and uses unique transaction codes to ensure users’ financial data security and privacy. With Apple Pay, users can enjoy a seamless and swift payment experience, reducing the need to carry physical wallets or cards.

Does Walmart Take Apple Pay?

The answer is no; Walmart does not accept Apple Pay as payment. Walmart has instead created its payment platform called Walmart Pay. This enables customers to transact with the Walmart app on their cell phones. Customers can conveniently and securely complete transactions at Walmart shops by connecting their preferred payment methods, such as credit or debit cards, to the app. Customers can use Walmart Pay or other conventional payment methods when purchasing at Walmart, even though Apple Pay is not allowed there.

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Why Doesn’t Walmart Have Apple Pay?

The following are the three crucial factors behind Walmart’s decision not to accept Apple Pay.

Process Charges

Walmart’s decision not to accept Apple Pay is primarily driven by the processing costs associated with the service. While Apple claims no charges for using its payment service, there is a catch. The card issuer handles the fees for processing transactions made through Apple Pay on behalf of Apple. As a result, Walmart would incur various processing costs depending on the type of card used in a digital wallet. In some cases, these processing fees can be quite high.

By not accepting Apple Pay, Walmart aims to avoid the potential decline in revenues that could result from bearing additional processing costs. Instead, the company maximizes its profits from each transaction by minimizing reliance on payment processing fees. This approach allows Walmart to prioritize cost reduction and optimize its financial performance.

Walmart Pay

While Walmart does not accept Apple Pay, it has its digital payment method called Walmart Pay, which it does accept. Walmart’s decision not to accept Apple Pay is its desire to maintain separation from external digital payment systems. By promoting its payment solution, Walmart Pay, the company can have more control and independence over its payment ecosystem.

The Walmart Pay app offers several benefits for both retailers and consumers. It allows retailers to engage with consumers, providing personalized notifications and offers. It also facilitates seamless online payment acceptance, enabling a smoother and more convenient shopping experience for customers.

By leveraging its digital payment system, Walmart aims to enhance customer interactions, provide a tailored shopping experience, and strengthen brand loyalty. Therefore, while Walmart does not support Apple Pay, it has developed Walmart Pay as its dedicated digital payment solution.

Marketing Advantages

Although it may seem insignificant to the average consumer, Walmart sees value in offering new payment methods to enhance brand recognition and customer interaction. By providing innovative payment solutions like Walmart Pay, the company can increase awareness of the Walmart brand and attract more customers to its stores. Using a digital wallet, such as Walmart Pay, is an effective tool for boosting brand recognition and fostering customer loyalty.

The exclusive accessibility of the Walmart Pay app to consumers further supports the company’s strategy to strengthen client loyalty. By providing a dedicated digital payment platform only available to their customers, Walmart aims to create a unique and tailored shopping experience. This approach increases brand recognition and encourages repeat visits and long-term customer engagement.

By embracing digital payment solutions like Walmart Pay, Walmart demonstrates its commitment to staying at the forefront of technological advancements in the retail industry. This proactive approach allows Walmart to adapt to evolving customer preferences and ultimately enhance its position in the market.

How To Use Walmart Pay at Walmart Store

Using Walmart Pay at a Walmart store is a simple and convenient process. Here are the steps to follow:

Download the Walmart App: Start by downloading the official Walmart app from the App Store (for iOS devices) or Google Play Store (for Android devices). Ensure that you have a compatible smartphone.

Set Up Walmart Pay: Open the app and sign in to your Walmart account. Navigate to the “Services” section and select “Walmart Pay.” Follow the prompts to set up Walmart Pay by linking your preferred payment method, such as a credit or debit card.

Shop at Walmart: When you’re ready to purchase at a Walmart store, proceed to the checkout counter. Ensure that your smartphone is unlocked and the Walmart app is open.

Activate Walmart Pay: The cashier will initiate the payment process at checkout. Tap the “Walmart Pay” option in the app and scan the QR code displayed on the payment terminal or provide the associate with the necessary code for scanning.

Complete the Transaction: Once the QR code is scanned or the code is entered, your payment will be processed. Depending on your device’s settings, you may be required to verify the transaction with your passcode, fingerprint, or Face ID.

Confirmation and Digital Receipt: After the payment is successfully processed, you will receive a confirmation on your device screen indicating the completion of the transaction. The app will also generate a digital receipt, which you can access within the Walmart app for future reference.

Using Walmart Pay offers the convenience of a seamless and secure payment experience, eliminating the need to carry physical cards. It also provides additional features like tracking your spending, viewing past purchases, and saving digital receipts within the app.

Read More: Walmart Customer Service Hours: The Ultimate Guide

How To Set up Walmart Pay

Setting up Walmart Pay is a straightforward process that can be done through the official Walmart app. Here’s a step-by-step guide on how to set up Walmart Pay:

  1. Download the Walmart App: Start by downloading the Walmart app from the App Store (iOS) or Google Play Store (Android) onto your smartphone. Ensure that you have a compatible device.
  2. Create or Sign In to Your Walmart Account: Open the Walmart app and either create a new one or sign in to your existing one. This will give you access to Walmart Pay and its features.
  3. Navigate to Walmart Pay: Once logged in, locate the menu or settings section within the app. Look for the option labeled “Walmart Pay” or something similar. Tap on it to proceed.
  4. Add a Payment Method: Within the Walmart Pay section, you can add a payment method. This can be a credit card, debit card, Walmart gift card, or prepaid card. Follow the on-screen instructions to input the necessary payment details and link the desired payment method to your Walmart account.
  5. Verify the Payment Method: After adding your payment method, Walmart may require additional verification for security purposes. This could involve confirming your card details, receiving a verification code via SMS, or authorizing a small charge to your card that will be refunded later. Complete the verification process as prompted.
  6. Set a Default Payment Method: You can choose a default payment method if multiple payment methods are linked to Walmart Pay. This will be automatically selected when purchasing unless you manually change it during the transaction.
  7. Enable Security Features: To ensure the safety of your transactions, consider enabling security features such as passcodes, fingerprints, or facial recognition authentication for Walmart Pay within the app’s settings. This adds an extra layer of protection to your payment process.

How To Use Inside a Walmart Store

Using Walmart Pay inside a Walmart store is a convenient and efficient purchase method. Here is a step-by-step guide on how to use Walmart Pay in-store:

  1. Open the Walmart App: Open the Walmart app on your smartphone. Make sure you are logged in to your Walmart account.
  2. Locate the Walmart Pay Option: Look for the “Walmart Pay” option within the app. It is typically found in the menu or navigation section. Tap on it to proceed.
  3. Activate Walmart Pay: At the checkout counter, inform the cashier that you would like to use Walmart Pay for your payment. Ensure that your smartphone is unlocked and the Walmart app is open on the Walmart Pay screen.
  4. Scan the QR Code: The cashier will generate a QR code on the payment terminal or display it on the screen. Use your smartphone’s camera to scan the QR code within the Walmart app. Alternatively, the cashier may enter a unique code for you to confirm within the app.
  5. Complete the Payment: Once the QR code is successfully scanned or the code is entered, your payment will be processed through Walmart Pay. Depending on your device’s security settings, you may need to provide additional verification, such as a passcode, fingerprint, or facial recognition.
  6. Verify the Transaction: After processing the payment, you will receive a confirmation on your smartphone screen. You can review the purchase details, including the total amount paid.
  7. Exit the Store: Once the transaction is complete, you can exit the store with your purchased items.

Advantages of Apple Pay and Other Contactless Payments

Apple Pay and other contactless payment methods offer several advantages that make them increasingly popular among consumers. Here are some of the key benefits:

  1. Convenience: One of the main advantages of contactless payments, including Apple Pay, is their convenience. With just a tap or a wave of a smartphone or contactless card, you can quickly and easily make payments at participating merchants. This eliminates the need to carry physical cash or search for your wallet, saving you time and hassle.
  2. Speed: Contactless payments are incredibly fast. Transactions can be completed in seconds, allowing for shorter checkout times. This is particularly beneficial in high-traffic environments or during busy shopping periods when speed and efficiency are crucial.
  3. Security: Contactless payments offer enhanced security compared to traditional payment methods. When you use Apple Pay or other contactless payment options, your card details are not shared with the merchant. Instead, a unique token is generated for each transaction, ensuring that your sensitive information remains protected. Additionally, many contactless payment methods require biometric authentication, such as fingerprint or facial recognition, adding an extra layer of security.
  4. Hygiene: In light of recent events, the hygiene aspect of contactless payments has become more important than ever. By avoiding physical contact with payment terminals or exchanging cash, contactless payments help minimize the spread of germs and contribute to a cleaner and more sanitary shopping experience.
  5. Wide Acceptance: Contactless payment methods, including Apple Pay, are widely accepted at various merchants, both in-store and online. The increasing adoption of contactless payment technology by retailers and businesses means you can use these payment methods at numerous locations, providing greater flexibility and convenience.
  6. Integration with Digital Wallets: Contactless payments seamlessly integrate with digital wallets on smartphones, making it easy to manage and organize your payment methods in one place. This allows for easy access to payment options and provides a centralized platform for tracking transactions and managing finances.


In conclusion, Walmart does not accept Apple Pay as a payment option. Instead, its mobile payment solution, Walmart Pay, enables customers to purchase using their smartphones. Although Walmart Pay may have a different level of widespread adoption than Apple Pay, it provides convenience and security for shoppers who prefer digital payments. It’s worth noting that while Walmart doesn’t accept Apple Pay, other retailers like Family Dollar do offer Apple Pay as a payment method.

Frequently Asked Questions (FAQs)

Does Walmart Self-Checkout Take Apple Pay?

No, Walmart self-checkout does not currently accept Apple Pay. Walmart has its digital payment method called Walmart Pay, specifically designed for in-store purchases at Walmart. You can use Walmart Pay or other accepted payment methods such as cash, credit/debit cards, or Walmart gift cards to pay at Walmart self-checkout. Apple Pay is not supported at Walmart self-checkout at this time.

Does Walmart Accept Apple Pay In-store?

Yes, Walmart doesn’t accept Apple Pay in-store. Walmart offers a digital payment method called Walmart Pay for in-store purchases. For online shopping, Walmart doesn’t accept Apple Pay. Customers For online purchases, customers accepted payment methods, such as credit/debit cards, Walmart gift cards, and PayPal for nonlinear Gas Station Take Apple Pay.

Does Walmart Take Apple Pay Online?

Yes, Walmart gas stations do accept Apple Pay as a payment method. Customers can use Apple Pay to make convenient and secure transactions at the pumps or nearby gas station convenience stores. This allows for a contactless payment experience and is compatible with Apple devices such as iPhone, Apple Watch, iPad, and Mac.

What Payment Methods Does Walmart Accept?

  1. Cash: You can pay for your purchases at Walmart using cash. Simply present the cash to the cashier at the checkout counter.
  2. Credit and Debit Cards: Walmart accepts major credit cards, such as Visa, Mastercard, American Express, and Discover. You can also use debit cards with a Visa or Mastercard logo.
  3. Walmart Pay: Walmart has its digital payment method called Walmart Pay. You can use the Walmart Pay app on your smartphone to make payments at the checkout counter. It integrates with your Walmart account and allows for easy and secure transactions.
  4. Gift Cards: Walmart accepts Walmart gift cards as a payment method. These can be purchased at Walmart stores or online to pay for purchases.
  5. Mobile Wallets: In addition to Walmart Pay, Walmart also accepts other mobile wallets, such as Google Pay and Samsung Pay. These allow you to make contactless payments using your smartphone or other compatible devices.
  6. EBT (Electronic Benefits Transfer): Walmart stores participating in the Supplemental Nutrition Assistance Program (SNAP) accept EBT cards as payment for eligible food items.

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