Does Walmart Take Apple Pay? A Comprehensive Guide (2025)

In the era of digital wallets and contactless payments, Apple Pay has become increasingly popular among consumers. As one of the largest retailers in the United States, Walmart’s stance on accepting Apple Pay is a topic of great interest for many shoppers. This comprehensive guide will explore whether Walmart takes Apple Pay, the reasons behind their decision, and alternative payment methods available at Walmart stores.

Key Takeaways:

• Walmart does not currently accept Apple Pay in-store or online.
• Walmart offers its own mobile payment solution called Walmart Pay.
• There are several alternative payment methods available at Walmart.
• Understanding the reasons behind Walmart’s decision can help consumers navigate their shopping experience more effectively.

Does Walmart Accept Apple Pay?

The short answer is no. Walmart does not accept Apple Pay. This policy applies to both in-store purchases and online transactions through Walmart.com. Despite Apple Pay’s growing popularity and widespread acceptance at many other major retailers, Walmart has chosen not to integrate this payment method into its systems.

Why Doesn’t Walmart Take Apple Pay?

Walmart’s decision not to accept Apple Pay is primarily strategic. Here are the main reasons:

1. Promotion of Walmart Pay: Walmart has developed its own mobile payment solution, Walmart Pay, which is integrated into the Walmart app. By not accepting Apple Pay, Walmart encourages customers to use its proprietary system.
2. Data Control: Walmart Pay allows the company to collect valuable data on customer shopping habits and preferences, which can be used to improve its services and marketing strategies.
3. Cost Savings: Apple Pay and other third-party payment systems often charge transaction fees. Walmart can potentially reduce these costs by using its own system.
4. Customer Retention: The Walmart app, which includes Walmart Pay, offers features like e-receipts, easy returns, and shopping lists. This ecosystem encourages customers to remain loyal to Walmart.

Walmart Pay: The Alternative to Apple Pay

• Walmart Pay:
  • QR code-based system
  • Integrated with Walmart app
  • Works on both iOS and Android
  • Stores multiple payment methods
  • Provides e-receipts
• Apple Pay:
  • NFC-based system
  • Works across multiple retailers
  • iOS exclusive
  • Highly secure with Face ID/Touch ID
  • Widely accepted

How to Set Up and Use Walmart Pay

Setting up Walmart Pay is a straightforward process:

1. Download the Walmart app from the App Store or Google Play Store.
2. Create a Walmart account or log in to your existing account.
3. Go to the “Services” section and select “Walmart Pay.”
4. Add your preferred payment method (credit, debit, or gift cards).
5. Set up a PIN or enable biometric authentication for security.

To use Walmart Pay at checkout:

1. Open the Walmart app and select Walmart Pay.
2. At the register, scan the QR code displayed on the card reader.
3. The app will confirm your payment, and you’ll receive an e-receipt.

Other Payment Methods Accepted at Walmart

While Walmart doesn’t accept Apple Pay, they do offer a variety of other payment options:

1. Cash: Always accepted in-store.
2. Credit and Debit Cards: Walmart accepts major credit cards including Visa, MasterCard, American Express, and Discover.
3. Walmart Gift Cards: Can be used both in-store and online.
4. EBT Cards: For eligible items in participating states.
5. PayPal: Available for online purchases.
6. Affirm: For financing eligible items over time.
7. Capital One Walmart Rewards Card: Offers cashback on Walmart purchases.
8. Walmart MoneyCard: A reloadable prepaid debit card.
9. Checks: Accepted in-store with proper identification.
10. Google Pay and Samsung Pay: While not officially supported, some users report success using these at certain Walmart locations.

The Impact of Walmart’s Apple Pay Policy

Walmart’s decision not to accept Apple Pay has sparked various reactions from consumers and industry analysts. Let’s explore the impact from different perspectives:

Consumer Response

Many consumers have expressed frustration with Walmart’s policy, particularly those who prefer the convenience and security of Apple Pay. Some reactions include:

• Social media campaigns urging Walmart to accept Apple Pay
• Customers choosing to shop at competitors that do accept Apple Pay
• Increased interest in workarounds to use Apple Pay indirectly at Walmart

Market Impact

While Walmart’s stance on Apple Pay hasn’t significantly impacted its market position, it has influenced the broader digital payment landscape:

• Encouraged the development of retailer-specific payment solutions
• Highlighted the fragmentation in the mobile payment market
• Sparked discussions about the future of digital wallets and payment systems

Comparison with Other Retailers

Walmart’s policy stands in contrast to many other major retailers:

• Target: Accepts Apple Pay both in-store and in their app
• Best Buy: Fully supports Apple Pay
• Home Depot: Like Walmart, doesn’t accept Apple Pay
• Kroger: Recently began accepting Apple Pay after previously resisting

• Walmart: Not Accepted
• Target: Accepted
• Best Buy: Accepted
• Home Depot: Not Accepted
• Kroger: Recently Accepted
• Costco: Accepted
• CVS: Accepted
• Walgreens: Accepted

The Future of Digital Payments at Walmart

While Walmart shows no immediate signs of accepting Apple Pay, the landscape of digital payments is constantly evolving. Here are some potential future scenarios:

1. Integration of Apple Pay: While unlikely in the short term, Walmart could eventually decide to accept Apple Pay if consumer demand becomes overwhelming or if it aligns with their business strategy.
2. Enhanced Walmart Pay Features: Walmart may continue to improve its own payment system, adding features to make it more competitive with Apple Pay and other digital wallets.
3. Partnerships with Other Payment Providers: Walmart could potentially partner with other payment providers to offer more options while still maintaining control over transaction data.
4. Adoption of New Technologies: As new payment technologies emerge, Walmart may adapt its policies to stay competitive in the retail market.

Tips for Apple Pay Users Shopping at Walmart

If you prefer using Apple Pay but still want to shop at Walmart, consider these strategies:

1. Use Walmart Pay: While it’s not Apple Pay, it offers similar convenience once set up.
2. Link Your Apple Card to Walmart Pay: You can add your Apple Card as a payment method in Walmart Pay to earn cashback on your purchases.
3. Use a Physical Card: Keep your preferred card linked to Apple Pay as a backup for Walmart purchases.
4. Shop at Walmart.com: Use your Apple Card for online purchases to earn cashback, even though Apple Pay itself isn’t accepted.
5. Consider Alternative Retailers: For small purchases where the convenience of Apple Pay is paramount, you might choose to shop at a competitor that accepts Apple Pay.

Conclusion

While Walmart does not currently accept Apple Pay, they offer various other payment options, including their own mobile payment solution, Walmart Pay. Understanding Walmart’s policy and the available alternatives can help you navigate your shopping experience more effectively.

As the digital payment landscape continues to evolve, it’s possible that Walmart’s stance on Apple Pay may change in the future. In the meantime, consumers can adapt by using Walmart Pay or other accepted payment methods when shopping at Walmart stores or online.

Remember, the most important thing is to choose a payment method that aligns with your preferences for convenience, security, and rewards. Whether that’s using Walmart Pay, a traditional credit card, or shopping at retailers that accept Apple Pay, the choice ultimately depends on your individual needs and priorities as a consumer.

FAQs

Can I use Apple Pay at Walmart? 

No, Walmart does not currently accept Apple Pay for in-store or online purchases.

What mobile payment options does Walmart accept? 

Walmart offers its own mobile payment solution called Walmart Pay, which is integrated into the Walmart app.

Can I use my Apple Card at Walmart? 

Yes, you can use your physical Apple Card at Walmart or add it as a payment method in Walmart Pay.

Does Walmart plan to accept Apple Pay in the future? 

Walmart has not announced plans to accept Apple Pay yet, but policies may change as the digital payment landscape evolves.

Can I use Apple Pay at Walmart-owned stores like Sam’s Club? 

While Walmart doesn’t accept Apple Pay, some Walmart-owned stores like Sam’s Club do.