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Does Walmart Take Apple Pay? (No, But Other Payment Methods)

does walmart take apple pay

As of March 2021, over 113 million residents in the US have an iPhone or Apple product. That’s 47% of adult smartphone users in the states. Over two million stores accept Apple pay, but what about Walmart?

Have they jumped on the bandwagon and allowed their customers to pay with the click of a button?

 So let’s find out… Does Walmart Take Apple Pay? 

Apple Pay At Walmart

Apple pay at Walmart

Unfortunately, the company hasn’t jumped on the Apple Pay bandwagon. And Walmart do not accept Apple Pay at any of the stores throughout the country. However, they do accept their own form of digital payment, which does involve your smartphone.

Walmart has created its own payment system called Walmart Pay. They also accept other credit cards such as Visa, Mastercard, Amex, Paypal, Checks, and of course, good old cash. 

Why Doesn’t Walmart Accept Apple Pay?

Walmart has a reason for not accepting Apple Pay. Even before the company introduced Walmart Pay, they didn’t consider Apple Pay. You may be wondering why, considering their competition, Target, Publix, and Safeway all accept Apple Pay. The reason is their business support which is known as Merchant Customer Exchange or MCX.

Only CurrentC, a type of QR code-based payment solution, is accepted by the business (MCX). Walmart does not use MCX, along with Google Pay and Samsung Pay, because it is a major competitor of Apple Pay.

They also want customers to use Walmart Pay so that they can collect their data. This is extremely useful because it allows Walmart to send personalized notifications and recommendations to customers who use the Walmart app.

Will Walmart Eventually Accept Apple Pay?

Will Walmart Eventually Accept Apple

It is unlikely Walmart will ever accept Walmart pay due to the reasons explained. Walmart Pay is already linked to your android or iOS device; therefore, there is no specific need for Walmart to accept Apple Pay or pay any extra fees.

What Is Walmart Pay?

Walmart Pay is designed exclusively for Walmart customers. Similar to Apple Pay and Samsung Pay, it’s an easy, convenient method for shoppers who haven’t got their wallet or credit card with them. Customers can link their debit, credit, and gift cards to pay with their phones at the checkout. While other mobile apps are accepted throughout the country at different stores, Walmart Pay is limited to Walmart only

It is a feature on the mobile app, so this means you must download the app to use it. Walmart Pay is available at more than 4,600 stores throughout the states, and it’s an easy way for customers to track their spending in-store, check out with ease and make returns. 

Why Should I Use Walmart Pay?

First of all, Walmart Pay is convenient. Just like any other mobile wallet, you take your phone and scan it to pay at checkout. This is preferred for both cashier and customer as it takes away time from swiping or inserting a credit card, signing papers, or typing in your pin code.

It offers a smoother checkout experience as it’s less likely to cause problems at the register than a credit card might. 

Another excellent benefit of Walmart Pay is tracking your spending. With prices increasing worldwide, it’s good to know where your money is going. This means you can check your outgoings at the click of a button. 

If you have a Captial One Walmart Rewards Mastercard, this means you can earn cashback for the first 12 months of using the card.

Are there Differents Apps for Walmart Pay and the Walmart App?

No. The Walmart Pay option is just a tool that sits inside the Walmart App. If you search for Walmart Pay in Google Play or the Apple Store, you won’t find it. It’s an add-on in your Walmart App. The Walmart Pay and Walmart App work on both Android and iPhones. 

How Do I Set Up Walmart Pay?

It’s an easy process and should only take you five minutes. And make sure to have your preferred debit or credit card handy. 

  1. Download the Walmart app
  2. Choose services from the list of features
  3. Select Walmart Pay
  4. Tap Get Started
  5. Choose the sign-in or create an account option. If you have an account set up already, follow the steps and add your email and password and choose sign in. If you haven’t created an account. You do not have to leave the app to do this, but it won’t take too long.
  6. Choose Debit or Credit Card
  7. You can use your phone camera to take a picture of your card details or choose to enter them manually. 
  8. Add your name, address, security code, and any other information it requests, and click ‘continue.’
  9. Once your cards are accepted, you will choose a 4-digit pin that links with all Walmart services on the app.
  10. You will be offered the option of fingerprint ID option instead of the 4-digit pin. You can choose which one suits you best.
  11. You can add more cards, simply tap Add Payment Methods and repeat the steps.

Does Walmart Take Apple Pay? – No, OK, Which Stores Accept Apple Pay?

There are plenty of big-name stores that accept Apple Pay. In fact, CVS is the most recent to begin accepting the payment method. Here are some other stores you can expect to use Apple Pay.

  • CVS
  • Walgreens
  • Publix
  • Costco
  • Safeway
  • Robinsons
  • Ikea
  • Target
  • Wholefoods
  • Shop n Save
  • Super Valu
  • Food Maxx
  • Best Buy

Advantages of Apple Pay


Advantages of Apple PayAlthough Walmart is not taking advantage of the benefits of Apply Pay, here are some of the reasons that you might want to consider using Apple Pay.


You won’t need to dig through your bag for cash or your wallet because you can add your card details to your Apple wallet. This means you only need to have your phone on you while making a payment. It’s simple and straightforward at the touch of a button (literally).

Operates Offline

Some people might be shocked to learn that even with your data turned off, you can still use Apple Pay. This means you can complete the transaction without the use of data or wifi, even if your phone is in airplane mode.

There are no hidden costs

Each purchase has 0.15 percent deducted via Apple Pay. You won’t be charged, so don’t worry; the merchant is accountable for it. There are no additional fees.


The likelihood of a debit or credit card being stolen is decreased because you are not required to use one. Actually, Apple Pay does not use your card numbers, adding another level of security. It makes use of a “device token” to complete transactions. This significantly lowers the possibility of a security breach.

Consistency and Convenience

Using a device that is always in your hand or pocket to pay is practical. Additionally, almost every major retailer (except Walmart) now accepts Apple Pay. To make it simpler for their customers, most businesses, big and small, want to accept every type of payment.

Payment Options Accepted at Walmart

Payment Options Accepted at Walmart

  • American Express
  • Cash
  • Chase Pay
  • EBT
  • Check
  • PayPal
  • Credit cards like Visa or Mastercard
  • Money order
  • Walmart Gift Cards

Read more: Does Starbucks Accept Apple Pay?

Need to know more about Walmart?

In terms of payment options, you might be wondering Does Walmart Cash Personal ChecksDoes Walmart Cash Handwritten Checks, or What Time Does Walmart Stop Cashing ChecksDoes Walmart Accept Afterpay Buy Now Pay LaterDoes Walmart Do Money Orders, and to save you money, everything you need to know about the Walmart Discount Card and Walmart Hidden Clearance items. 

Then find out Does Walmart Have LayawayHow Much Is An Oil Change At WalmartDoes Walmart Develop Disposable Cameras, all about the OTC Card Eligible Items at Walmart, as well as our guide to Walmart Carpet Cleaner Rental in 2023.

You might also want to know about the Walmart TV Return PolicyDoes Walmart Replace Brake PadsDoes Walmart Make KeysWho Makes Great Value Products for WalmartDoes Walmart Sell Dry Ice, the Walmart Return Policy Without Receipt, or all about Overnight Parking at Walmart.

Does Walmart Take Apple Pay? – Final Thoughts

Walmart does not accept Apple Pay, and it is unlikely that Apple Pay will be introduced in the future. Instead, Walmart relies on its own app for payments. 

This is not only beneficial to customers, allowing them to track their payments and see previous buying history. But it also allows Walmart to track their customer’s data and send them notifications on any products they are interested in, and is a great way to keep all their information in one space. 

Walmart Pay is as simple and straightforward as any other phone payment system, you just have to set it up through the app, and you’re good to go.

Enjoy shopping at Walmart!

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