Does Walmart Take Apple Pay

Does Walmart Take Apple Pay & What Can You Use Instead: Know Alternatives!

Walmart has its own in-built purchase app, Walmart Pay, that is only accepted by it. That’s why other retail transaction apps, such as Apple Pay, Google Pay, or Samsung Wallet, don’t collaborate with Walmart.

This lets Walmart get full control over its customer data, payment ecosystem, and loyalty integrations.

In addition, this is competent enough with both devices, Android as well as iPhone; you don’t need to worry at all.

So, if you are going shopping at Walmart, make sure to use the built-in application seamlessly.

This technical guide will help you to gain an in-depth understanding of making payments at Walmart and which application you should use.

At a Glance!

  1. Walmart doesn’t process any Apple Pay transactions at self-checkout, online, or in-store.
  2. Walmart accepts payments through Walmart Pay, cards, cash, and gift cards — not Apple Pay.
  3. QR Code scanning is used by Walmart Pay instead of NFC.
  4. Highly compatible with all iOS and Android devices.
  5. Control over the entire customer data and transaction flow.
  6. Google Pay, Apple Pay, and Samsung Wallet are some online transaction platforms that don’t compete with Walmart.
  7. Mobile Wallet is enabled at Walmart.
  8. Link an appropriate method in Walmart Pay to make a seamless transaction.
  9. Staff-registered and self-checkout platforms support scanning of QR codes.

What are Apple Pay & Walmart?

Apple Pay: Apple has designed Apple Pay, an online payment service that lets users to make purchases smoothly.  It is highly compatible with all iOS devices, such as Apple Watch, Mac, iPad, and many more. This service has a number of features that every user should know about it. 

  • Two-factor authentication
  • No specific hardware from Apple is required. 
  • Opts for Near Field Communication (NFC) to have wireless communication. 
  • Allows biometric authentication. 
  • Use express mode while using any public transport. 

Walmart: Walmart is an international retail company that deals with various supermarkets, departmental stores, as well as grocery stores. It is also known as Everyday Low Prices. Besides this, sellers sell out numerous products, such as electronics, groceries, clothing, and home goods. This platform also offers additional features that you should review. 

  • Operates like an omnichannel retailer
  • Sells products through online and offline stores. 
  • Have a large variety of products. 
  • Has a massive reach of audience. 
  • Has become a global giant retailer and deals in neighborhood markets as well. 

Does Walmart take Apple Pay in 2025?

NO! Walmart doesn’t accept transactions from Apple Pay. If you also want to have a smooth purchase, whether it is online or offline, it is highly recommended to go with Walmart Pay. This built-in application is very simple to use. 

Users and customers just need to scan its QR code to make a payment. Moreover, this app doesn’t charge additional fees, so it can effortlessly increase its customer data and payment solutions. 

Why Doesn’t Walmart Accept Apple Pay?

These are the common reasons why Walmart doesn’t accept Apple Pay. 

  • Walmart has its own app to make a smooth payment. 
  • It doesn’t want to share the customer’s data. 
  • It can easily control the whole payment process. 
  • Unlike Apple Pay, Walmart doesn’t charge any additional transactional fees. 

How to Add an Apple Card and Use Walmart Pay?

Learn how you can simply add your Apple Card so that it allows you to use Walmart Pay effortlessly. 

Adding Apple Card:

  1. Visit Walmart.com.
  2. Choose Account. 
  3. Move towards the Settings option. 
  4. Opt for Wallet. 
  5. Pick Add new payment method. 
  6. Choose your preferred payment type. 
  7. Type down the necessary details. 
  8. Tap on Save Card. 

Using Walmart Pay: 

  1. Open Walmart. 
  2. Add your card if you’ve not added one. 
  3. Pick out the payment approach. 
  4. Now, complete your shopping. 
  5. Once done, move towards the checkout lane. 
  6. Properly scan your goods. 
  7. Start using Walmart Pay. 
  8. Scan the QR Code to make a payment. 
  9. See a confirmation message on your device’s screen. 

Why Do iPhone Users Still Want Apple Pay at Walmart?

Despite Walmart already having its own app, there are multiple iPhone users who are still willing to use Apple Pay for making payments. Here are the common reasons. 

  • Security and Privacy: With the help of the tokenization method, all your card details will be fully safe. When you are making a payment, you will receive an OTP. Enter it to process the transaction effectively. 
  • Convenience: By having the Apple Pay app on users’ iOS devices, they can effortlessly make a payment without the need for their physical wallet. 
  • Transaction tracking: Within the Apple Pay app, users will be able to see their latest transaction data and categorize spending straightforwardly.  
  • Brand loyalty and habit: Most iPhone devices are linked with Apple Pay for their daily transactions. But for a single purchase, users have to switch from Apple Pay to Walmart Pay because Walmart only accepts Walmart Pay.  

Where Can You Use Apple Pay at or with Walmart?

We all know that Apple Pay is not directly supported by Walmart. But here is the best way you can easily use it. 

Use Apple Card With Walmart Pay: 

First, simply add your Apple Card within the Walmart application. Your card will be the payment method. 

After that, scan a QR Code by using the Walmart Pay app. 

By doing this, you will be able to earn the rewards of the Apple Card. 

List of Payment Methods Walmart Accepts

Here is the complete list of all the payment methods that are accepted by Walmart. 

  • Credit/Debit cards: All major debit and credit cards are accepted. These are: Mastercard, American Express, Visa, as well as Discover.  
  • Cash: Clear the payment by giving cash.  
  • Gift Cards: Can be used in online as well as offline Walmart stores. By having these cards, you can also check your bank balance. 
  • Walmart Pay: This is an in-app application of Walmart. It works best on iOS as well as Android. Just scan the QR code to make a payment. 
  • PayPal: Some offline stores also accept PayPal. But make sure to cross-verify Walmart.com to read its instructions because not every store takes it. 
  • Affirm: A payment option lets users shop and make payments on a monthly basis. Be sure to check your credit card score and the total amount you’ve purchased. 
  • Electronic Benefits Transfer (EBT): If you’ve purchased food and grocery items from Walmart, use your EBT card. This is applicable for most offline stores. For doing shopping online, it totally depends on your location and the terms & conditions of the particular state. 
  • HSA/FSA Cards: Walmart takes Flexible Spending Account (FSA) and Health Savings Account (HSA) cards only when you’ve purchased the health-related items. Moreover, it works till your benefits plan is approved. 
  • Pay by Bank: This option is also accepted by Walmart. Besides this, you don’t need to mention any credit or debit card details. Simply opt for Pay by Bank. 

Walmart Pay vs. Apple Pay: What’s the Difference?

Both Walmart Pay and Apple Pay are built for online purchases. But it’s necessary to understand the key differences between them. 

Feature Walmart Pay Apple Pay
Platform Compatibility The Walmart app works on both iOS and Android devices. Integrated into iOS devices only (iPhone, iPad, Apple Watch)
Where It Works Only at Walmart stores Widely accepted at stores, apps, and websites
Technology Used QR code scanned at checkout NFC (Near Field Communication) for contactless payments
Setup Requirements Walmart account, and you have to link the payment method Apple Wallet + linked card (credit/debit)
Security Features PIN or biometric authentication through your phone Touch ID, Face ID, device-specific tokenization
Loyalty Integration Automatically applies to Walmart Rewards Can store loyalty cards, but not Walmart-specific
Online Use Not usable for online transactions  Usable for in-app and web purchases
Peer-to-Peer Payments Not supported Supported through Apple Cash in Messages
Accepted at Walmart Yes No! As Walmart does not accept Apple Pay

Is Walmart Pay Safe?

YES! Walmart is secure as well as safe. In addition to that, it maintains the industry-standard security measures that aid in safeguarding the financial data of users. Here are the security features that Walmart offers you. 

Tokenization: Using Tokenization, Walmart sends you a one-time PIN that you have to type down while doing each transaction. In short, the last digit number of your credit or debit card will not be shown to the terminal side. In fact, it reduces the chance of data being stolen or intercepted. 

Encryption: All your necessary credentials, including financial information, are end-to-end encrypted while converted from your device to a payment processor. 

No Card Data Saved on Phone: All Walmart data is saved on the firewall of its own server. It doesn’t keep secure on your mobile phone.  

QR Code System: Walmart has a QR code scanning system from which users have to scan it to make a payment. As a result, it prevents the chances of data skimming while swiping the card. 

Account Authentication: Sign up for the Walmart App. After that, turn on the multi-factor authentication and make sure to use the biometric authentication to have strong and secure mobile phone data. 

Alternatives to Walmart for Apple Pay Users

Here are some alternatives where Apple Pay can easily be accepted. 

Retail Stores: 

Various grocery stores, gas stations, and online retailers are there that take Apple Pay as a payment mode. 

Digital Wallet:

  • PayPal: Lets users to make a safe and secure payment in brick-and-mortar stores as well as online platforms by scanning the QR Codes. 
  • Venmo: Send money with ease to your friends, clients, or business merchants. For merchants, scan the QR code to make a smooth payment.  

Will Walmart Ever Accept Apple Pay in the Future?

No! There are very few chances that Walmart will ever take Apple Pay in the near future. As a result, Apple Pay also works like Walmart, and they have clearly stated that there will be no requirement to use any similar apps. 

In addition, Walmart has refused to share the user’s confidential information with any third-party apps. 

Conclusion

First of all, understand that Walmart doesn’t process the payment from Apple Pay. So, what you need to do is simply download Walmart Pay, which is an in-built app of Walmart. 

Add your financial data by mentioning the bank details. Scan the QR code and make the payment. 

Besides this, if you still want to opt for Apple Pay, you need to provide your Apple Card while using Walmart Pay. It will also make the transaction seamless. 

All Your Questions Answered

Explore the following queries and their solutions in a very precise and clear form to have a better knowledge of this concept.  

Q1. Does Walmart accept Apple Pay at self-checkout?

Ans. Unfortunately, Apple Pay is not accepted by Walmart, even if you are at self-checkout stores. 

Q2. Can I use an Apple Card to pay at Walmart?

Ans. YES! Users are allowed to add their Apple Card while using Apple Pay to clear a transaction at Walmart. 

Q3. Is Walmart Pay the same as Apple Pay?

Ans. NO! Walmart Pay is totally different from Apple Pay. However, Walmart Pay is already an in-built app of Walmart. Meanwhile, Apple Pay is a third-party app that helps to clear transactions smoothly. 

Q4. Does Walmart take Apple Pay online?

Ans. NO! Walmart does not take Apple Pay for online transactions. However, users can only use Walmart Pay to pay online. 

Q5. What other digital wallets does Walmart accept?

Ans. Walmart only accepts Venmo and PayPal. However, there are some other modes that don’t work, such as: 

  • Samsung Wallet
  • Google Pay 
  • Apple Pay

Q6. Is Walmart Pay free to use?

Ans. YES! Walmart is absolutely free to use this service. You just need to opt for the appropriate payment method to make smooth transactions. 

Q7. How do I know if a store accepts Apple Pay?

Ans. Some indications will let you know whether Apple Pay is accepted there or not. These are as follows. 

  • Find out whether there is an Apple Pay logo. 
  • Availability of the Apple Pay button.

Reference Links: 

https://www.apple.com/apple-pay/

https://www.reddit.com/r/apple/comments/1mec0cl/walmart_still_doesnt_accept_apple_pay_in_us/

https://www.cnet.com/personal-finance/credit-cards/why-wont-walmart-let-me-use-apple-pay-or-google-pay-im-not-surprised-by-the-answer/

https://www.walmart.com/cp/walmart-pay/3205993

https://en.wikipedia.org/wiki/Apple_Pay

https://en.wikipedia.org/wiki/Walmart

https://www.walmart.com/help/article/payment-methods/af059a7587894f2f831a6159cd92d933