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How to Use Apple Pay at Walmart in 6 Steps, With Photos

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How to Use Apple Pay at Walmart in 6 Steps, With Photos

Key Points

  • Walmart does not support Apple Pay, but you can use Apple Pay at Walmart by adding your Apple Card to the Walmart app.
  • Walmart has its own mobile payment solution called Walmart Pay, which is integrated into the Walmart app.
  • Walmart likely wants to avoid transaction fees and maintain its reputation for low prices by not accepting Apple Pay.
  • To use Apple Pay at Walmart, you need to download the Walmart app, sign in, add your Apple Card as a payment method, and use Walmart Pay at the self-checkouts.
  • By using Apple Pay at Walmart, you can earn Apple Cash benefits from your Apple Card transactions.

Have you ever attempted to use Apple Pay at Walmart? You likely noticed the retailer doesn’t display the Apple Pay logo anywhere in its store. That’s because Walmart technically doesn’t support Apple Pay. However, we know a way to get around this via the Walmart app. But, it’s unfortunately not as simple as adding Apple Pay to your payment methods in the app’s wallet. To use Apple Pay at Walmart, you’re going to need an Apple Card. We’ll walk you through the process below, step-by-step, with photos to guide you along the way.

Why Doesn’t Walmart Accept Apple Pay?

Apple pay
Walmart’s decision not to accept Apple Pay is likely a strategic one.

Walmart’s decision to not accept Apple Pay at its stores isn’t likely to be overturned anytime soon. Why is this? The answer is likely due to a mix of strategic, financial, and competitive decisions on behalf of Walmart Inc. First and foremost, Walmart has its own mobile payment solution called Walmart Pay. (Remember this, because it’s key to using Apple Pay at Walmart.) This proprietary mobile payment option is integrated right into the Walmart app, giving the company greater control over customer payments and data.

Beyond this, Walmart likely wants to avoid the transaction fees that would come with accepting Apple Pay. You see, Apple typically charges retailers a small fee for every transaction made with Apple Pay. Given the high volume of transactions at Walmart every day, these small fees would almost certainly add up to a much larger sum over time. As one of the largest companies in the country, Walmart obviously wants to cut out anything that could detract from its enormous bottom line.

Not to mention, Walmart has to maintain its reputation for low prices. By refusing to accept Apple Pay, Walmart can keep its costs down and its prices low. Introducing Apple Pay to the equation would cost them a lot for very little benefit to the company. Because Walmart is such a major player in the retail industry, promoting Walmart Pay over Apple Pay allows its profits to stay ahead of Apple’s. In the end, we assume you can’t use Apple Pay at Walmart because of a combination of their competitive strategy and desire to maintain control over payments.

How to Use Apple Pay at Walmart

Now that you have a better idea why you can’t use Apple Pay at Walmart, let’s talk about how to get around Walmart’s ban. You’re going to need an Apple Card, though. If you haven’t applied for this Apple-branded credit card yet, you can do so from the Wallet app on your iPhone or iPad or through Apple’s site from a web browser. The application process is super quick and easy, with most offers arriving within seconds. If you’d rather not open up a credit card, then you sadly won’t be able to use this feature at the retailer. Now, let’s get into it.

Step One: Download Walmart App

Walmart app downloaded from App Store.
Download the Walmart app from the App Store.

To use Apple Pay at Walmart, you’re going to need the Walmart app on your phone. Head to the App Store and download the app named “Walmart: Shopping & Savings.”

Step Two: Sign In

Sign-in page on Walmart app.
Sign in to the Walmart app.

Once the app finishes downloading, log in or create an account. You don’t need a Walmart subscription to use Walmart Pay, so you don’t have to accept the trial offered to you at sign-in if you don’t want to.

Step Three: Go to Wallet

"Add a payment method" option on Walmart app.
Click the Wallet feature within the Walmart app.

After you’ve signed in, head to the Account tab on the bottom right side. Tap “Wallet” to manage any new and existing payment methods on your Walmart account.

Step Four: Add Apple Card

Enter payment details in Walmart app.
Enter your Apple Card information into the Wallet feature.

Hit “Add New Payment Method,” then the “Credit/Debit Card” button. Here, you’ll enter your Apple Card information. This is the only way to use Apple Pay at Walmart: By adding your card to the Wallet and using the app at checkout.

Step Five: Go to Services

Store Tools in the Walmart app.
You’ll find the Walmart Pay feature under the Services section.

After you’ve finished your shopping trip, head to the self-checkouts. Here, you should see a QR code advertising Walmart Pay. Navigate to the Services section to the right of the middle tab at the bottom of the Walmart app, then tap the Walmart Pay button.

Step Six: Use Walmart Pay

Walmart Pay feature in Walmart app.
Use the Walmart Pay feature at the self-checkout.

Scan the QR code at the register with the Walmart Pay feature within the Walmart app. Then, choose your Apple Card as your preferred payment method. Finish following the prompts on the screen until checkout is completed. (Don’t forget to take your bags and receipt!) You should see your Apple Cash benefits from your Apple Card transaction appear in your Wallet shortly.

Summary Table

StepInstructions
Step OneDownload the Walmart app on your phone from the App Store.
Step TwoLog in or create an account in the Walmart app.
Step ThreeGo to the Account tab on the bottom right side and tap “Wallet” to manage any new and existing payment methods on your Walmart account.
Step FourAdd your Apple Card information by hitting “Add New Payment Method,” then the “Credit/Debit Card” button.
Step FiveAfter shopping, head to the self-checkouts and navigate to the Services section to the right of the middle tab at the bottom of the Walmart app, then tap the Walmart Pay button.
Step SixScan the QR code at the register with the Walmart Pay feature within the Walmart app. Choose your Apple Card as your preferred payment method and follow the prompts on the screen until checkout is completed.

Frequently Asked Questions

What is Apple Pay?

Apple Pay is a secure mobile payment service developed by Apple. It lets you use your iPhone, Apple Watch, iPad, or Mac to make payments in stores, apps, and online. With Apple Pay, there’s no need to use a physical credit or debit card — your device facilitates contactless mobile payments using technology already in most payment terminals.

How does Apple Pay work?

Apple Pay works via near-field communication (NFC) technology — something already implemented in most payment terminals nationwide. This NFC tech allows Apple Pay to transmit encrypted payment data wirelessly and securely. For an extra layer of security, Apple Pay stores your card information securely on your device and generates a unique transaction code for each purchase.

Is Apple Pay safe?

Yes, Apple Pay is super safe. Apple doesn’t store your actual card numbers on the device or on company servers. Instead, the technology uses tokenization to create unique codes for each transaction without ever sending your actual card info out. Additionally, devices require Touch ID, Face ID, or a passcode in order to authorize payments.

Who accepts Apple Pay?

You can use Apple Pay at thousands upon thousands of locations, including retail stores, restaurants, transportation services, apps, and websites. Look for places that display the Apple Pay logo or the contactless payment symbol to know whether the payment method is accepted. There are millions of retailers that accept this form of payment worldwide.

What kind of cards does Apple Pay accept?

Apple Pay lets you add credit, debit, and prepaid cards from most major payment networks such as Visa, MasterCard, American Express, and Discover. Many banks and financial institutions support Apple Pay because of its ease of use and next-level security measures. This allows you to link up to eight cards to the service and use them for as many transactions as you see fit.

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