Walmart Doesn’t Charge Apple Pay, But Here’s How To Use Walmart Pay.

Originally posted on June 22, 2022 @ 4:49 am

Walmart’s daily low prices and more than 4,700 stores in the United States make the retailer the number one option for many consumers. From groceries to household essentials to electronics, the convenience of purchasing multiple items under one roof is undisputed. However, you may be wondering if this feature is on mobile payment options and whether Walmart accepts Apple Pay.

Unfortunately, Walmart does not charge Apple Pay for in-store or online purchases. Instead, Walmart has its own mobile payment option, Walmart Pay. In addition to Walmart Pay, Walmart accepts all major credit cards (Visa, MasterCard, Amex, Discover), debit cards, cash, checks, PayPal, and Walmart gift cards.

In this article, we will cover why Walmart does not accept Apple Pay and how to use Walmart Pay instead. In addition, we will cover other accepted payment methods at Walmart, including the use of ATMs and verification of financial aid. Finally, we’ll share a list of other grocery stores that accept Apple Pay.

Why Doesn’t Walmart Take Apple Pay?

Walmart does not accept Apple Pay so customers can use their mobile payment solution, Walmart Pay. With Walmart Pay, Walmart can collect additional data from users, which can then be used for more personalized information.

In the world of digital information, having first-party data is invaluable. By placing customers in its payment ecosystem, Walmart may collect additional data and use it to make customized offers for each customer’s purchasing behavior.

In addition to taking advantage of third-party data, Walmart Pay is likely to be a more cost-effective solution for pay per transaction than Apple Pay.

Prior to the launch of Walmart Pay, Walmart did not accept Apple Pay due to its agreement with MCX.

MCX members could not accept Apple Pay at this time because of their exclusive agreement with MCX to use their mobile payment solution.

How to Use Walmart Pay

To use Walmart Pay, you’ll need to download the Walmart app to your phone and add a credit card, debit card, or gift card to your account. Then, after scanning your items on the Walmart Store, you can scan the QR code in the register and use Walmart Pay at checkout.

To download the latest Walmart app on your iOS or Android device, click here.

The following are step-by-step instructions on how to use Walmart Pay on the Walmart Store:

  1. Download and install the Walmart app on your phone
  2. Select a payment method to use with Walmart Pay – credit cards, debit cards, and gift cards are accepted.
  3. At a Walmart store, scan your items at checkout as you normally would
  4. Open the Walmart app and select “Walmart Pay”
  5. Scan the QR code on the register
  6. You will receive a confirmation sound, and your e-receipt will be emailed.

Walmart does not issue paper receipts if you use Walmart Pay. Therefore, you will receive an e-receipt for your purchase that you provided during the account setup. It also simplifies the refund process as there is no risk of losing your receipt.

With Walmart Pay, you can still use paper coupons at checkout. If you have any coupons, hand them over to your cashier, and they will apply them to your order.

Keep in mind that if you use Walmart Pay at checkout you will not receive cashback as it is not directly linked to your bank account. Also, you can’t use Walmart Pay to shop at Sam’s Club.

While Walmart Pay doesn’t have all the features of Apple Pay, it does speed up the checkout process when shopping at the Walmart Store. It securely stores all credit card, debit card, and gift card information.

What Grocery Stores Take Apple Pay?

While Walmart does not pay Apple, the grocery stores that pay Apple include Albertsons, Aldi, Costco, Hi-V, Major, Publics, Safeway, Shanks, Shop Wright, Sprouts, Stop & Shop, Target, and Trader Jose. , Ounces, and more. Whole Foods Market

If Apple Pay is your preferred payment method, there are many grocery stores where you can use Apple Pay at your next grocery hole. Below is a list of grocery stores that accept Apple Pay:

  • 7-Eleven
  • Acme Markets
  • Albertsons
  • Aldi
  • Bashas’
  • BI-LO
  • BJ’s
  • Cub Foods
  • Costco
  • CVS
  • Farm Fresh
  • FoodMaxx
  • Giant Food
  • Hannaford
  • Harveys Supermarkets
  • Hornbacher’s
  • Hy-Vee
  • Jewel-Osco
  • Lin’s Fresh Market
  • Lucky Supermarkets
  • Macey’s
  • Meijer
  • Publix
  • Raley’s
  • Randalls
  • Rite Aid
  • Safeway
  • Save Mart
  • Schnucks
  • Shaw’s
  • Shop n Save
  • Shoppers
  • ShopRite
  • Sprouts
  • Star Market
  • Stater Bros.
  • Stop and Shop
  • SuperValu
  • Target
  • Trader Joe’s
  • United Supermarkets
  • Vons
  • Walgreens
  • Wegmans
  • Whole Foods
  • Winn-Dixie

What Payment Methods Are Accepted at Walmart?

In addition to Walmart Pay, the following payment methods are accepted at Walmart:

  • All major credit cards
  • Debit cards (including prepaid Walmart Money Card)
  • Cash
  • Checks and money orders
  • Walmart gift cards and eGift cards
  • PayPal
  • Affirm financing

Keep in mind that if you have gift cards from other retailers, including Amazon, you can’t use them to make purchases at Walmart. You can use Walmart and Sam’s Club gift cards only at Walmart stores or online.

What Is Walmart Affirm Financing?

In addition to the traditional payment methods, Walmart offers affirmative financing to customers to pay installments for their online purchases without a credit card. Your account balance can be paid to eligible buyers over a period of 3, 6, or 12 months with a minimum 0% APR.

Walmart Certified Financing is a great alternative to credit cards. However, like any other credit product, you need to pay attention to the interest rates and the total payments you make for your purchase.

Currently, Walmart only offers affirmative financing for online purchases, so it will not be a payment option for in-store purchases.

In addition, all items in your cart must be eligible for this program in order to appear as a payment method at online checkout. Items such as groceries, wireless products, and marketplace items are not eligible for Walmart Affirm financing.

Does Walmart Have an ATM?

Most Walmart stores have an ATM, which is usually located near the customer service desk. If you withdraw cash from an ATM located inside the Walmart store, you can expect to pay a service fee of $ 1 to $ 4.

If you want to withdraw cash at Walmart, the best option is to apply for a cashback in the register and eliminate the ATM fee.

Walmart also offers a reloadable debit card, called a Walmart Money Card. With Walmart Money Card, you can get 3% cash back on purchases made on, 2% cashback on Walmart gas stations, and 1% cash back on purchases made in Walmart stores.

You can also use the Walmart Money Card to make direct deposits to your account. If you receive a minimum direct deposit of $ 500 per month, the monthly fee on the account is waived. Otherwise, there is a $ 5.94 monthly fee to maintain the account.

If you withdraw cash from an ATM using your Walmart Money Card, you will be charged 2.50. However, you can withdraw cash free of charge from the customer service desk inside Walmart Money Centers and stores.

Benefits of Apple Pay

The biggest advantage of using Apple Pay is the improved security it provides users without having to share sensitive payment information. It also offers simple features such as one-click payments and the ability to set up recurring payments to merchants.

If you’re using Apple products like the iPhone, iPad, or Apple Watch, Apple Pay is the easiest payment option.

Apple Pay makes it very easy to use Apple Pay in stores by processing payments via Face ID or Touch ID.

Another advantage of Apple Pay is that you don’t need a receipt to track your purchases. All payments are easily accessible and can be adapted to the transaction date.


Although Walmart does not accept Apple Pay, and will not be on the cards in the near future, Walmart Pay still offers great features and payment security.

If you are a frequent Walmart customer, download the Walmart app and let users take advantage of the features and fast checkout offered by Walmart Pay.


Leave a Comment