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What is Walmart Pay?

what is walmart pay

Are you searching for a quick and convenient way of paying for your groceries

Walmart is one of the largest home goods and grocery store chains in the United States. The company accepts a wide range of payment methods both in stores and online. In 2015, the company made history by being the first supermarket chain to launch a digital wallet. Although it was only initially available in a handful of stores, this digital wallet quickly became very popular. 

So, let’s find out, what is Walmart Pay?

About Walmart Pay 

Walmart Pay is one of the key features of the Walmart app. You can use it to make contactless payments when you are in a store. The digital wallet is designed to be very easy to use, and you simply attach your credit or debit card. This saves you from having to carry cards or cash when you go shopping. 

How It Works?

This digital wallet allows you to make touch-free payments in any of the Walmart stores. All you need to do is browse for the products you want to buy from the store in the usual way. You can use the app at the checkout and will receive an electronic receipt when the transaction is processed.

All your receipts will be stored in a single place so that you can keep track of your spending. This is sure to be a bonus if you’re on a tight budget. You can view the receipts in the app any time you want and keep track of the prices of different products. 

How It Works

How to set it up?

If you don’t already have the Walmart app, you can download it from the Google Play Store or Apple Store. It is completely free to download and use and comes with several cool features. Here are the steps you need to take to set up and start using the digital wallet.

After downloading the app, select the Walmart Pay option. There will be a series of prompts to follow under the heading Get Started. The first step involves logging into your account or creating an account if you don’t have one yet. 

Only takes a couple of minutes…

You then need to add your preferred payment method and wait for the initial setup to be confirmed. This usually takes a couple of minutes, and you need to tap on the Got It notification to continue. Once this has been done, your digital wallet will be ready to use. You can now head to the supermarket without having to take your wallet with you. 

Adding A Card

If you have a new credit or debit card you want to connect, you can do this any time you choose. You can add multiple payment methods and select the one you want to use when you go shopping. To get started, sign into the Walmart Pay section of the app.

Tap on the Credit or Debit Card option and use the camera on your smartphone to capture the card information. Alternatively, you can manually enter the information by tapping on Type card info instead. Input your full name, address, security code, and other necessary information, and then tap on Continue.

You can add multiple cards…

You will then need to create a four-digit PIN for security or use your biometric ID. Once you have finished, your card will be linked to the app any time you use it. You can add additional cards at any time by tapping on Add Payment Methods” at the bottom of the screen. You will then be prompted to repeat the same steps to add each card you want to connect.  

How To Use Walmart Pay?

After the items you want to buy are scanned at the checkout, you can use the digital wallet to pay. Use the Walmart Pay QR code on the kiosk display screen or the debit reader screen to sync the wallet. You will also need to provide the biometric identification unique phone security PIN that you use to unlock your phone. 

When the transaction is complete, a notification sound will play on your smartphone. You will also receive an electronic receipt to confirm your purchases.

How To Use Walmart Pay


Walmart Pay uses multiple levels of SSL for security updates to make it completely safe and secure. Data encryption is ensured over secure networks called Secure Sockets Layer to protect your payment information. This also keeps your personal details safe at all times. 

To make changes to your preferred payment methods, you have to supply your personal Touch ID or security passcode. This prevents other people from changing these details if you get hold of your smartphone. You will also receive a separate update when changes have been made as an additional precaution. 

Accepted Payment Methods 

It should be noted that you cannot directly link the digital wallet to a checking account. However, you can connect it to all major credit and debit cards. It can also be linked to Walmart Gift Cards, prepaid cards, and eGift Cards. 

Accepted credit and debit cards include:

  • AMEX
  • Discover
  • MasterCard
  • VISA

Where You Can Use Walmart Pay?

You can use this digital wallet in any of the company’s physical stores or Supercenters. You can head to one of the cash registers or process the payment yourself at a self-checkout kiosk. If you are unsure where your nearest store is, you can use the store locator on the Walmart website.

Where You Can Use Walmart Pay


The digital wallet cannot currently be used to make online purchases. This is because you need to scan the digital wallet’s QR code to process payments. When purchasing products from the company’s website, you need to use a credit, debit, or gift card.


It is important to note that this digital wallet cannot be used to pay for all of the company’s products. Walmart Pay cannot currently be used to pay for gas station purchases. If you are visiting Sam’s Club, you will need to bring an alternative form of payment with you.

Other excluded purchases include:

  • EBT
  • SNAP
  • WIC 


You can’t usually get cashback when paying at a cash register. However, it is possible to earn cashback if the card you connect to your digital wallet gives you cash rewards. If you use one of these cards, all purchases will allow you to earn cashback points or rewards. Therefore, it is a good idea to choose the cards that you attach to your account carefully. 

Splitting payment methods

You can split payments for products between your Walmart Pay card and another payment method. This includes a Walmart Gift card, cash, or an EBT/SNAP card. 


Products paid for using this digital wallet are covered by the company’s returns policy. You can make returns in stores or via the Mobile Express Return on the company’s app. To start the returns process with the app, go to your Purchase History and select the purchase containing the item. The transaction barcode you need to make the return will be shown at the bottom of the screen. 


You can use paper coupons to save money on purchases when using the digital wallet. You need to scan each paper coupon separately at the checkout. However, digital coupons are not compatible with the digital wallet. 

Availability to associates

You can use this digital wallet if you work for Walmart by simply linking your associate discount card to it to make sure you receive your employee discount. You can open the barcode scanner within the app and scan the special associate discount QR code. After inputting your employee identification number, you can start shopping.

Info On Alternative Payment Methods

Most shoppers prefer to use a digital wallet for convenience and safety purposes Does Walmart Take Apple PayDoes Walmart Accept Venmo, and Does Walmart Accept Afterpay Buy Now Pay Later, as well as Does Walmart Have Layaway, what are the OTC Card Eligible Items at Walmart for those of you shopping on a budget.

If you’re wondering about the financial services offered at the superstore, then let’s start with What Time Does Walmart Money Center Close Open, followed by Does Walmart Have ATMsDoes Walmart Cash Personal Checks, and Does Walmart Cash Handwritten Checks, or perhaps you’d like to know Does Walmart Cash Two Party ChecksWhat Time Does Walmart Stop Cashing Checks, and Does Walmart Cash Checks On Saturday Sunday?

Sending and receiving money is another service you might want to find out more about. So, for that, we’ve included Does Walmart Do Money Orders, and Does Walmart Have Moneygram in 2023?

Final Thoughts

These days, more and more people are choosing to leave their wallets at home when they go shopping. If you are searching for a fast and convenient digital wallet, Walmart Pay is a good option. You can access this after downloading the company’s app and creating an account.

One of the great things is that it makes paying for products in stores very easy. It can be used at cash registers and self-checkout and offers a very secure way of paying for products. However, there are certain limits to be aware of, and the digital wallet cannot be used for online purchases.

Enjoy your convenient shopping at Walmart!

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