Venmo is a popular contactless mobile payment method among the Millennials and Gen Z. It’s similar to PayPal. Still, its uniqueness and popularity stem from the fact that the Venmo app simplifies money-sharing and payments by allowing purchases through social feeds. In addition, users can link and make payments with their bank account, debit/credit cards with chips, prepaid cards, gift cards, or by using their Venmo balance.
What a convenience! But wait, how did we get here?
It started with credit and debit cards, which brought the world into a cashless economy and made it possible to spend money without the need to visit banks or look for Chase, Wells Fargo, and other bank ATMs that dispense $5, $1, $50 or $100 near me. Then came the internet age and cutting-edge financial technology. They’ve given us online and mobile payment solutions that have delivered digital wallets like PayPal, Venmo, banking apps, and contactless mobile payment methods like Google Pay and Apple Pay.
Technology has managed to integrate all the payment methods to seamlessly work in a single device-the smartphone. For instance, you can link all your cards and checking accounts to your Venmo app, PayPal wallet, or Apple and Google mobile wallets and make transactions from your phone without the need of visiting a bank. And the good thing is, digital and mobile wallets add an extra layer of security to your money because you can use your debit card without a PIN.
However, the amazing payment methods seem to have evolved faster than some businesses can integrate into their payment systems. As a result, you’ll still find many merchants who don’t accept Venmo, Apple Pay, Google Pay, or PayPal. That’s why the tech-savvy Gen Z and Millennials want to know whether national retailers like Walmart take Venmo. Walmart is a retail giant with more than 11,000 stores in 27 countries.
So does Walmart accept Venmo?
Short Answer: Walmart accepts Venmo as a payment method for in-store and online purchases. To use Venmo at Walmart in-store, you’ll need to install the Venmo app on your phone and scan a QR code at the checkout counter. To pay with Venmo on Walmart.com, select PayPal at checkout and choose Venmo on the PayPal page. Walmart doesn’t charge any transaction fees for in-store or online Venmo purchases.
Venmo is popular among millennials who use it to split bills among friends or pay back loans from family members. But many consumers also use the app as an easy way to pay for things online or in-person at stores like Walmart. Transferring money from your credit, debit card, and bank account into your Venmo account takes one to three business days.
That said, you may still find that your local Walmart doesn’t accept Venmo. In that case, you’ll need to use another payment method to cover the purchases. Standard payment methods accepted at Walmart for in-store purchases include cash, pre-printed checks, American Express, Visa, MasterCard credit cards, all PIN-based ATM or debit cards, money order, EBT SNAP, WIC cards, Walmart gift cards and eGift cards, Walmart MoneyCard, and Walmart Credit Card.
Accepted payment methods at Walmart.com includes PayPal, Chase Pay, Amex Express Checkout, debit/credit cards, Walmart gift cards, and Walmart credit card.
Unfortunately, Walmart doesn’t accept Google Pay or Apple Pay for in-store on online purchases. Walmart Pay is the only form of mobile payment accepted at its stores.
Other unaccepted payment methods at Walmart.com include Sam’s Club Advantage Member Credit Card, Purchase Orders, Layaway, Walmart Community and Business Card, Cash on Delivery, FSA Cards, International Credit Cards, and SNAP EBT cards.
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Can You Use Venmo at Walmart?
Yes, you can use Venmo at Walmart for in-store and online purchases. Simply open the Venmo app and hit the “Scan” button to scan a QR code at the checkout counter. You’ll be asked to confirm the purchase before it’s charged on your Venmo balance.
Alternatively, tap the “Show to Pay” button on your Venmo app to generate a QR code. Present the QR code to the cashier so that they can scan it to complete the purchase.
To pay with Venmo on Walmart.com, use your preferred mobile phone browser to shop for items on the site. Once you’re done, choose PayPal as your payment option. You’ll be directed to the PayPal website, where you can select Venmo as your payment method. In addition, some merchant’s websites display a Venmo button that you can click to make the purchase right away.
That said, you may still find some Walmart stores that don’t accept Venmo. So it’s always advisable to carry an alternative payment method. Use the Walmart store locator to find contact details and any 24-hour superstores nearby to avoid the guesswork.
Does Walmart Accept Venmo QR Code?
Yes, Walmart accepts Venmo QR codes. You can scan a QR code at the cash register with the Venmo app to complete the purchase. If the cashier asks you to show a QR code, tap the “Show to Pay” button on your Venmo app to generate a QR code and hold it up for the cashier to scan.
How to Use Venmo at Walmart in Store?
Venmo allows you to make contactless in-store purchases through Venmo QR codes. To make in-store purchases with your Venmo account at Walmart, you’ll first need to download and install the Venmo app. Once downloaded, set up your account by choosing a signup method, creating a secure password, and verifying your phone number and email address.
Then, add and verify your bank account. You can also add your debit/credit cards. Your Venmo account comes set up to scan QR codes for in-store purchases. For first-time users, you’ll need to tap the Scan button at the bottom of the home screen and follow the screen prompts to allow your camera to scan codes.
Once you’re done shopping at a Walmart store, bring your phone to the checkout counter and open the Venmo app. Let the cashier know that you’ll be paying with Venmo. There are two ways to use Venmo at Walmart in-store:
Scan the Walmart’s QR Code
The cashier will process your order and show you a QR code. Open your Venmo app and tap on the “Scan” button to read the merchant’s QR code and proceed with the transaction. A screen prompt will appear asking you to confirm the purchase. Once you confirm, the payment will be processed, and your Venmo balance will be used to pay for your stuff.
Allow Walmart to Scan Your QR Code
The cashier may ask you to show a Venmo QR code. In this case, open the Venmo app and tap the “Show to Pay” button. Next, present your QR code to the cashier to scan it to complete the transaction. Once the QR is scanned, the payment will be processed and money deducted from your Venmo balance to cover the purchase. If you want to change the payment method, do so before the cashier scans your QR code.
However, Walmart stores have to opt-in to start accepting Venmo in-store. Use the Walmart Store Finder to locate nearby stores and reach out to ask whether they accept Venmo as a payment method.
Frugal Reality Note: Venmo is only available in the US, and the Venmo app will only work with compatible US-based bank accounts and phone numbers. To use Venmo, you must be able to send and receive SMS/text messages from shortcodes.
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How to Use Venmo at Walmart Online?
You can also make payments using Venmo online at Walmart.com from your mobile browser or the Venmo app. Here’s how it works:
Your Mobile Browsers
Purchasing online with Venmo works with some PayPal merchants and with browsers on your mobile phone only. Specifically, Venmo works with Safari for iOS and Google Chrome for Android.
Use your mobile browser to browse and add items to your cart to pay with Venmo at Walmart.com. Once you’re done, proceed to the checkout page and select the PayPal option. You’ll be redirected to the PayPal website to complete the transaction. Next, look for the Venmo payment option and tap on it to pay with Venmo.
Use the Venmo App
Use the latest version of the Venmo app and opt in to use it for online purchases. Follow these steps:
- Go to settings and navigate to the Buying section
- Tap the Enable Mobile Web Purchase or Connect Browsers to use Venmo to pay during checkout.
- Then, browse for items on Walmart.com directly from the Venmo app.
- Once you’re done shopping, proceed to the checkout and tap the Venmo button to complete the purchase.
Can You Use Venmo Visa at Walmart?
If you don’t have access to a smartphone or simply prefer the feel of a physical card in your hand, you can pay with Venmo Visa at Walmart without special instructions or troubleshooting.
Shopping got a lot easier with Venmo’s physical card backed by Visa. As long as Visa is accepted where you’re shopping, you can make a purchase using your Venmo Visa card. Most importantly, it doesn’t matter whether the store accepts Venmo or not.
Think of Venmo Visa like any other Visa card. You can take it to Walmart or any other store or restaurant that accepts Visa and use it like a regular debit card.
Since Walmart is compatible with Visa card payments, you can proceed with your purchases through your physical card in-store or online.
No more fumbling around with your phone or wallet! Instead, you can just pull out your Venmo card by tapping or inserting the chip into the payment terminal to complete your purchase.
To get started on your Venmo Debit Card, open the app. Next, click on “Cards” tab and go to “Venmo Debit Card.” After applying for a Venmo Debit Card, you will have to confirm some of your personal information.
Please note that you cannot have more than one active Venmo Debit Card linked to your Venmo app. Your Venmo Debit Card should arrive within 15 business days at your home address after approval.
Can I Get Cash Back from Venmo at Walmart?
Yes, you can get cashback from Venmo at Walmart, but you’ll need to carry your Venmo debit card. Walmart is among the stores that give the most cash back on debit cards. And the good thing is, Walmart doesn’t charge any cash back fees.
Just like many other places that give $5 or $10 cash back, you’ll only be required to buy anything with no minimum purchase. For instance, you can buy a newspaper, a bottle of filtered water, or buy postage stamps to be eligible for cash back at a Walmart store.
Once you’ve picked your item, proceed to the cashier or self-checkout counter to swipe your card. A cash back option will appear to allow you to overwrite the purchase total with the cash back amount you need.
For example, if you need $50 cash back and you’ve bought discount meat or wonton wrappers for $10, you’ll pay a total of $60. Your transaction will be processed, and the amount is charged to your Venmo balance. The cashier will hand you $50 cash back or you’ll take the cash from the POS machine when using the self-checkout counter.
Although the daily Venmo withdrawal limit is $400, Walmart’s cash back limit is $100 per transaction. That means you’ll need to run separate transactions if you need to get the daily allowable Venmo withdrawal limit. That can be pretty inconvenient, but it’s worth it if it helps you avoid ATMs fees.
If that’s too much work, some Walmarts have ATMs that dispense $10 bills near the money services desk. Check whether there’s an ATM marked Mastercard, MoneyPass, PULSE, or Cirrus to withdraw money with your Venmo debit card. The fees can cost between $2.50 to $4.
Frugal Reality Takeaway: You can get cash back at Walmart with your Venmo debit card up to $100 per transaction. The Venmo debit card has a daily withdrawal limit of $400, and you may have to run several transactions if you need more than $100 cash back.
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How do I Get Cash Back from Venmo at a Walmart Store?
You can get cash back from your Venmo debit card at a Walmart store. However, you won’t be able to get cash back when you pay directly from the Venmo app by scanning a QR code. So bring your debit card to the checkout counter and follow these steps:
- Enter a Walmart store and purchase a product. There’s no minimum spend to be eligible for cash back, so just buy anything.
- Proceed to the self-checkout counter and scan the product on the machine.
- Swipe your Venmo card, and then a cash back prompt will appear.
- Click the Yes button on the “Would you like cash back?” prompt window.
- Choose or enter the cash back amount you want.
- PIN your Venmo card. You won’t get cash back if you run debit as credit.
- Take cash from the POS machine or the cashier.
Walmart doesn’t charge any cash back fees. It’s just one of the convenience services offered to their customers, including wheel alignment, check cashing services, Coinstar machines, Walmart carpet cleaner rental, and many other services.
Walmart also has a generous return policy. For instance, you can return an air mattress to Walmart within 90-days, while TV returns are eligible within 30 days. In addition, if you have the receipt, you’ll be refunded the same amount in the same payment method used to cover the purchase. For example, if you paid with Venmo, the refund would be posted on your Venmo account.
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How to Transfer Money from Walmart Money Card to Venmo?
Venmo allows you to add multiple cards, including prepaid cards, gift cards from American Express, MasterCard, Discover, and Visa. The Walmart MoneyCard is either a MasterCard or Visa, which means you can add it to your Venmo mobile app.
To transfer money from a Walmart prepaid card to Venmo, you’ll first need to add it to your Venmo app.
To add a prepaid debit card to Venmo, follow these steps:
- Open the Venmo app and tap the menu button —the three horizontal lines at the top-left corner to the screen.
- Tap “Settings” and tap “Payment methods” under “preferences.”
- Tap the “Add bank or Card” link at the bottom of the Payment Methods Menu
- Tap “card” in the menu that pops up
- Type your Walmart Card information, including card number, expiration date, security code zip code
- Tap “Add” to add your Walmart Money Card to your Venmo Wallet.
Frugal Reality Note: Venmo warns on its website that the card issuer or Venmo may decline cards for lack of funds availability or fraud prevention reasons. Those are the top reasons your Walmart Money Card can be rejected.
Here’s a step-by-step video on how to add your Walmart MoneyCard to Venmo:
If your card is added successfully, you’ll be able to transfer money from your Walmart MoneyCard to Venmo. As it stands right now, it seems like you can’t use your Walmart MoneyCard on Venmo, but it never hurts to try!
Recommended reading: Walmart return hours.
Is There a Spending Limit With Venmo?
Yes, there is a spending limit with Venmo. It’s a great way to pay back your friends for that brunch you went to last week, but it does have some limitations. If you have not completed a Venmo identity check, your weekly spending limit is $299.99. Once you have verified your identity, your limit will be raised to $6,999.99.
Venmo also has a weekly transaction limit. The maximum amount you can transfer from your Venmo account to another account, including a merchant’s account, is $4,999.99 per week. You must be verified for this limit to apply to your account.
Additionally, you can only make 30 transactions per day, regardless of how much money you spend on each transaction. An alternative is Venmo cards, which are valid for individual purchases of up to $3,000. If the purchase is over that amount, it will be declined.
Venmo can also be used for cryptocurrency purchases. The limit on how much crypto users can purchase with Venmo is $20,000 per week and $50,000 per year.
Can I Split a Payment on Walmart Online?
Yes, you can use two different payment methods on Walmart.com. For example, you have a Walmart gift card that only covers part of the purchase. You can split payment between a gift card, debit card, money on your Reliacard, credit card, or another gift card. Pay with the Walmart gift card balance first, then use another payment method registered with your Walmart account to cover the remaining balance.
You can also split payments at the checkout register using a Walmart gift card, EBT or WIC card, cash, check, or other accepted in-store payment methods. Pay with your EBT card or gift card first, then cover the remaining part of the order with Walmart Pay.
However, it may be tricky if you want to split a larger payment between Venmo and a credit card.
Frugal Reality Tip: You can use up to 5 gift cards and one debit or credit card to split purchases. You can’t use two credit, debit, or prepaid cards to split payments.
Can I Split a Payment at the Walmart Self-Checkout?
Yes, you can split payment at Walmart self-checkout into multiple payments. If your purchase total is $100 and you’ve got a Walmart gift card balance of $60. The machine will deduct the balance from the gift card first and then allow you to cover the remaining $40 with an alternative payment method, like an unexpired debit card or credit card.
Frugal Reality Tip: You can’t split any payment type with PayPal or “Pay with Cash” at Walmart.
What To Do If Venmo Declines A Payment?
Venmo can’t examine the details of a declined payment or fund it if your bank or card issuer declined the transaction. You can use a different payment method, however, such as another credit card.
You can also try paying again with Venmo once you’ve checked with your bank or card provider. Venmo payments at Walmart may get denied for a variety of reasons.
The most common reasons are:
- The transaction has been declined by your bank or card issuer (outside of Venmo).
- One of Venmo’s automated security flags has been triggered by the payment.
It’s best to contact your bank or card issuer directly if you’re making a payment with a bank account, debit, or credit card.
Does ATransaction Charge Apply On Venmo Payments At Walmart?
Walmart accepts Venmo as a form of payment in its stores and on its website. Keep in mind that Venmo can only be used on an Android or iOS smartphone for online payments and purchases.
You can do so by selecting PayPal as your payment option at checkout and then selecting Venmo for payment once you reach the PayPal page.
You’ll be happy to learn that Walmart doesn’t charge a transaction fee for this payment… however, Venmo does! It charges a standard 3 percent fee for making the payment, but this price is waived if you pay for the transaction using a Venmo balance, a debit card, or a bank account. Sadly, the 3 percent charge is not waived for credit cards.
What To Do If Venmo Payment Fails?
If you receive an error message on Venmo after attempting to make a payment, it’s likely that your payment has failed. A payment can be rejected for a variety of reasons, as mentioned earlier.
The best thing you can do in that case is to call your credit card company; they’ll assist you with this issue.
In most cases, any amount deducted automatically returns to the original payment source. However, feel free to check with the bank to ensure that your issues are addressed promptly.
You may still be stuck at the checkout counter once your Venmo payment was declined. Use any of the following alternative payment methods that Walmart accepts these days:
- American Express, MasterCard, Discover, and Visa credit cards
- Walmart MoneyCard, Debit, ATM, and check cards
- Walmart MasterCard and credit card
- eGift Cards and Walmart gift cards (gift cards cannot be redeemed against cash or to buy more gift cards)
- Checks, cash, money orders, and EBT (must pick cash option in debit reader)
- Chase Pay
- Affirm installment financing
- Amex Express Checkout
It’s always wise to have more than one payment option at your disposal in case one is declined.
What Are the Advantages and Disadvantages of Using the Venmo Application?
Venmo is the next generation of frictionless payments. It’s easy, fast, and gives you control over your transactions. Moreover, Venmo facilitates simple, instant money sharing between friends as well as store purchases.
The best part about Venmo is how easy it is to use. There’s no learning curve; you can start using it immediately after downloading the app. If you’re looking for an easy way to keep track of your spending, Venmo has a built-in calculator that lets you add up all your purchases in one place. You don’t have to switch apps or log into another service on your phone or computer.
Another advantage of Venmo is that it’s free! No annual, monthly, or regular fees are associated with using this app, so if someone sends you $5 or $500, there won’t be any charges deducted from either party’s account when they complete the transaction.
However, Venmo does have a few drawbacks. For example, you can’t cancel a payment once it’s made as there is no proper refund policy. Thus, you must pay attention and double-check your information before finalizing any transactions.
When you use Venmo, your payments are public by default. So if you’re looking to keep things private, this might not be the best choice.
Similarly, if you’re looking for an app that allows for international transactions and currency exchanges, Venmo isn’t for you. You can only use it within the United States.
The biggest drawback to using Venmo is that it’s popular with scammers. That’s because the app gives users a lot of information about each other, making it appealing to scammers who want to take advantage of people’s good intentions and generosity.
Does Walmart Accept Venmo Summary
Many of the 5,000 Walmart stores accept Venmo as a payment method for in-store and online purchases. So when shopping for the cheapest items to buy on a budget, you can pay directly from your Venmo mobile app.
Venmo helps friends share expenses and make payments quickly, easily, and securely. To accept Venmo payments, merchants must apply for an authorized business profile.
To pay with your Venmo account at Walmart in-store, simply scan a QR code at the register and confirm the purchase to complete the transaction. For online purchases, select PayPal and choose Venmo at the PayPal page.
You can also get cash back from Venmo at Walmart, but instead of scanning a QR code, pay with your Venmo debit card. It’s because you can’t get cash back unless you PIN your card. It helps prevent PINless debit card fraud, where someone may try to use a stolen debit card to their advantage. Just purchase anything like protein powder and shakes, indoor succulents, or an FM radio for drive-in movies to be eligible for cashback.
And the good thing is, you can split payment on Walmart online and Walmart.com. So if your gift card or EBT balance can’t cover the entire purchase amount, ask the cashier to split your order into two different payment methods. Pay with your Walmart gift card or EBT card first, and then use another accepted payment method like Venmo or debit/credit card to complete the remaining part of the order.
See our related article: Does Target Accept Venmo?