Does Walmart Take Apple Pay - Frugal Reality

Does Walmart Take Apple Pay? Sorta (Use Walmart Pay App)

Due to smartphones and fast internet speeds, the world’s economy is slowly switching to cardless, cashless, and contactless payment methods. According to Statista, 85% of American adults own a smartphone. Out of those, 47% are iPhone users. So it’s no surprise that mobile wallets like Apple Pay and other contactless methods like Venmo, Zelle, Google Pay, and Samsung Pay are becoming more popular by the day.

Per TechCrunch, Apple Pay leads the pack in the mobile payment landscape, with 43.9 million users choosing Apple Pay at thousands of stores that accept touch-free checkout. However, while many retail stores accept touchless payment, not every retailer has integrated mobile payment methods like Apple Pay into their system.

Being the largest brick-and-mortar retailer globally, millions of Americans flock to Walmart stores to buy stamps, shop for the cheapest foods to pay on a budget, and access check-cashing services at Walmart stores.

Walmart is everywhere, with nearly 6,000 retail stores in the United States, and has some 24-hour superstores too. So whether you want to buy alcohol at Walmart stores at odd hours or get cheap wheel alignment services nearby, you’re pretty sure to find a Walmart location within 10 miles.

Such convenience and proximity make customers want to know whether they can use Apple Pay at Walmart. Thus, it leads us to the big question:

Does Walmart take Apple Pay?

Short Answer: Unfortunately, Walmart doesn’t take Apple Pay at any of its stores or online. That means you can’t use Apple Pay to make touch-free payments at the register or self-checkout counter. 

Instead, Walmart uses its own mobile payment wallet called Walmart Pay, which supports contactless payments at its stores. So if you want to use your iPhone to pay at Walmart stores or online at Walmat.com, you’ll have to install and use the Walmart Pay mobile app.

Unlike other contactless payment methods that use Near Field Communication(NFC) to process touch-free payments at checkout, Walmart uses QR codes. Just like other mobile payment wallets, you can link major debit/credit with chips, prepaid cards, and Walmart gift cards to pay touch-free by scanning a QR code at the checkout register.

The top reason why Walmart doesn’t accept Apple Pay and other contactless payment methods is that the retailer wants to promote its mobile payment wallet and avoid processing fees associated with other contactless payment companies.

That said, Walmart stores accept other payment methods, including pre-printed checks, Visa, MasterCard, American Express cards, money orders, cash, All PIN-based ATM or debit cards, Walmart MoneyCard, Walmart gift cards, activated Amex gift cards, Walmart Credit Card, and SNAP food stamps.

Accepted payment methods at Walmart online include Chase Pay, PayPal, major debit and credit cards, Reliacard cash, Walmart gift cards, Walmart credit cards, Chase Pay, and Amex Express Checkout.

Also, Walmart is among the stores that accept Venmo for in-store and online purchases. But, unfortunately, Walmart doesn’t accept Apple Pay, Google Pay, and Samsung Pay.

Can You Use Apple Pay at Walmart?

No, you can’t use Apple Pay at Walmart in-store, but you can use Walmart Pay and Venmo. While Apple Pay uses NFC-based technology to process in-store payments, Walmart’s payment system uses QR-based technology to support touch-free checkout. 

Walmart has its own mobile payment wallet —Walmart Pay—and wants its customers to use it instead of third-party apps. It’s also Walmart’s strategy to avoid processing fees, which can shrink its thin profit margins.

Does it mean you can’t use your iPhone to make contactless Payments at Walmart? 

Absolutely not. There’s a way around it. Luckily, the Walmart Pay app works both on iOS and Android devices. Thus, you can purchase items in-store and online using Walmart Pay. 

Simply download and install the Walmart app. Then, link your checking account, unexpired debit cards, credit cards, Walmart gift cards, and prepaid cards to use them to make contactless payments at the checkout counter.

What is Walmart Pay App?

Walmart Pay app is Walmart’s own mobile payment wallet. Two things set the Walmart mobile wallet apart from other mobile wallets like Google Pay, Apple Pay, and Samsung Pay, including:

Works only at Walmart stores

You can use Walmart Pay at Walmart stores only. Unlike other mobile wallets that work across retailers, Walmart Pay is designed for Walmart customers only. For instance, you can’t use Walmart Pay to make Walgreens, Kroger, Aldi, or Publix purchases. The app doesn’t even work at franchisees or other brands owned by Walmart, including Jet.com, Art.com, Moosejaw, Bare Necessities, Shoes.com, Bonobos, Eloquii, and Hayneedle.

Payment technology

Google Pay, Apple Pay, and Samsung Pay use NFC-based technology to process contactless payments. Walmart Pay, on the other hand, uses QR-based technology to support touch-free payment.

But just like the other mobile payment apps, you can link accepted debit/credit cards, Walmart gift cards, and prepaid cards to your Walmart app and securely make contactless payments at the self-checkout or cashier aisles. 

It helps add an extra layer of security to your money because once the payment cards have linked successfully, you can use your debit card without a PIN. It’s a great way to avoid PINless debit card fraud, where someone may try to use a stolen debit card to their advantage.

Why Does Walmart Not Take Apple Pay?

There are four main reasons why Walmart doesn’t accept other contactless mobile payment wallets like Apple Pay, Google Pay, and Samsung Pay, including:

Walmart Pay

Walmart has its own mobile payment wallet —Walmart Pay. Thus, any other mobile payment technology is a rival. To defend and promote its own, Walmart doesn’t accept Apple Pay.

Marketing Purposes

The Walmart Pay app is designed for Walmart customers only. It’s part of the company’s digital strategy to win customer loyalty by capturing customer data for marketing purposes. For example, the retailer can use the app to track shoppers’ buying habits and target shoppers with personalized promotions or recommend products based on customers’ past buying habits.

NFC vs. QR Codes

The difference in contactless payment technology is another reason why you can’t use Apple pay at Walmart. Apple Pay uses NFC-based technology to support touch-free checkout, vs. the Walmart payment system uses QR codes to process contactless payments.

Slash Transaction Fees

Walmart has to carefully decide its accepted payment methods to sidestep payment processing fees and protect its razor-thin margins.

How To Use Walmart Pay on iPhone?

The Walmart Pay app works on iOS and Android devices. Therefore, you can use your iPhone to pay for purchases using Walmart Pay via the Walmart app. 

First, download and install the app on your iOS or Android device. Be sure to set your PIN or touch ID that you’ll use at checkout. Set up Walmart Pay by linking your preferred debit/credit card or store gift card. 

From there, choose your preferred payment method from one of the saved cards. Usually, Walmart uses your gift card value first, unless you switch it off. Again, you should use EBT or WIC balances before using other payment methods on Walmart Pay.

Once the app is running, and your preferred payment method is set, follow these steps to pay with your iPhone at a Walmart store:

  • Shop at a Walmart store: Visit a Walmart store and shop for items of your choice. For example, you can buy protein powder and shakes with EBT, buy a Sunday newspaper, or cheap diapers.
  • Checkout: Go to the checkout lane and scan items at the self-checkout counter or cash register. The machine or the cashier will show you a QR code.
  • Scan the QR code: Open the Walmart app and tap Walmart Pay to scan the QR code.
  • Confirmation: Once scanned, you’ll hear a chime as a confirmation that your transaction has been processed.
  • Collect your items and go: Since Walmart Pay doesn’t use paper receipts, there’s no need to wait for a receipt. Instead, you’ll receive a notification and e-receipt on your device.

Does Walmart Self-Checkout Take Apple Pay?

No, Walmart self-checkout doesn’t take Apple Pay. It’s because all Walmart stores don’t accept Apple Pay and other contactless payment methods like Google Pay and Samsung Pay. So if you want to use contactless payment at a Walmart store, your best bet is to use Walmart Pay or Venmo.

Download and install the Walmart app to use your iPhone at the self-checkout lane at a cash register. Then link your debit/credit card, prepaid card, or Walmart gift card to the app, just as you would on your Apple Pay Wallet.

Alternatively, use your Visa, MasterCard, Checks, PayPal, cash, or any other payment method accepted at Walmart. When paying with a check, skip the self-checkout counter for regular checkout because the self-checkout machines don’t accept check payments nor cash third-party checks.

Though Walmart is among the stores that give the most cash back, you can’t get cash back with Walmart Pay. The Walmart app also doesn’t link directly with your checking accounts, and you won’t be able to pay with linked cards at other retailers like Costco, Sam’s Club, or Trader Joe’s.

Does Walmart Accept Apple Pay Online?

No, Walmart doesn’t accept Apple Pay online or in-store, but you can use Walmart Pay or Venmo for online and in-store purchases. Like other mobile wallets, Walmart Pay links with major credit cards, debit cards, Walmart Gift Cards, and prepaid cards.

But that doesn’t mean you can’t use your iPhone to pay at Walmart. To pay with your iPhone at Walmart online or in-store, download and install the Walmart app. Then link your payment cards and use the pay to checkout touch-free.

Can You Use Walmart Pay on Apple Watch?

No, you cannot use Walmart Pay on your Apple Watch to buy things. But, Walmart has introduced an Apple Watch app that lets you check items off your shopping list vs. using your phone.

It could be a beta test for something bigger in the future to allow Walmart Pay on an Apple Watch to checkout. Just in 2020, Apple sold nearly 3 million smartwatches. So there’s a large market of users who’d prefer contactless payments.

Does Walmart Take Apple Pay for Money Orders?

No, Walmart doesn’t take Apple Pay for money orders or any other types of purchases. That said, Walmart is one of the best places to buy money orders. The retailer sells and cashes MoneyGram money orders at about 88 cents per order. You can only use cash, debit card, or money on your Reliacard to pay for money orders at Walmart.

Also, Walmart will cash pre-printed two-party personal checks and other types of government-issued checks, but it’s not among the places that cash third-party checks

Can You Use Apple Pay to Buy Walmart Gift Cards?

No, you can’t use Apple Pay to buy a Walmart gift card at a Walmart store. But other retailers sell gift cards and accept Apple Pay. For instance, CVS sells Walmart gift cards and takes Apple Pay in-store and online.

Again, CVS stores accept EBT, sell money orders, and give cash back up to $35. You can also make cheap photocopies, buy stumps, and access cheap fax services at CVS stores while on a prescription trip.

That said, the best place to buy discount Walmart gift cards is Raise.com. The site buys and resells unwanted gift cards at generous discounts.

You can save more money if you buy discount Walmart gift cards at Raise through our link. Use our link to save $5 on your first purchase.

Can You Use Apple Pay at Walmart Gas Station?

No, you can’t use Apple Pay at Walmart gas stations. However, you can use your Walmart Pay app on your iPhone and pay for fuel to enjoy up to five cents a gallon at participating gas stations. In addition, member prices on fuel are available in over 2,000 locations at Walmart, Murphy gas stations, and Sam’s Club fuel centers.

Here’s how to find participating fuel stations with the Walmart app:

  • Use Walmart’s fuel map to find the nearest participating discount fuel stations.
  • Open the app and sign in to your account.
  • Tap, use Walmart Pay, and select your preferred payment method.
  • Launch the QR code scanner and hover your iPhone over the pump’s screen.
  • Select your grade and begin fueling at a discount, up to 5 cents per gallon.

Alternative Stores That Take Apple Pay

Though you can download and use the Walmart Pay app, it won’t work for everyone. Some people will still find it convenient to use their Apple Pay. In that case, you’ll have to shop at a different store because Walmart doesn’t take Apple Pay. It helps to know stores that accept Apple Pay so that you can figure out your options upfront.

Stores that accept Apple Pay include Target, Whole Foods, Starbucks, Meijer, Best Buy, Panera, Chick-fil-, El Pollo Loco, Jamba Juice, KFC, McDonald’s, Pizza Hut, Subway, White Castle, Albertsons, Costco, CVS, Duane Reade, Jewel-Osco, Rite Aid, Sprouts Farmers Market, Trader Joe’s, Walgreens, Winn-Dixie, Chevron, Texaco, ExxonMobil, JetBlue, Marriott, Walt Disney World, Airbnb, Dunkin’ Donuts, DoorDash, Etsy, Groupon, Instacart, Lyft, Pinterest, Postmates, Staples, StubHub, Uber, and more.

Does Walmart Take Apple Pay Summary

What makes Walmart popular with millions of shoppers is its broad reach and countless convenience services. For example, customers can buy money orders, cash checks, sell crushed ice, access Walmart carpet cleaner rentals services and Coinstar machines.

Unfortunately, Walmart doesn’t accept Apple Pay, but you can use Walmart Pay, Venmo, and other standard payment methods. But, again, Walmart doesn’t plan to accept any other contactless mobile wallets like Samsung Pay or Google Pay.

It’s because Walmart uses its own mobile payment wallet to slash transaction fees and capture customer data for marketing purposes. Unlike Apple Pay that uses NFC-based payment processing technology, alternatively, Walmart Pay uses QR codes.

You can use Walmart Pay at gas pumps for the store, Murphy gas stations, and participating Sam’s Club fuel centers. However, you can’t use Apple Pay at the Walmart self-checkout counter or online. You also can’t use Apple Pay to buy Walmart gift cards or money orders.

That said, iPhone and Android users can use the Walmart app to pay touch-free at the self-checkout and cash register lanes. Simply download the app and link your payment cards. Then scan a QR code at the checkout counter to complete the purchase.

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