Does Walmart Take Apple Pay In 2023? – Complete Guide

Does Walmart Take Apple Pay
Does Walmart Take Apple Pay

Does Walmart Take Apple Pay In 2023? – Complete Guide

As one of the largest retailers in the United States, Walmart is a store for everyone, with stores. It has low prices and bulk items to ensure you can always find what you need.

As a popular place to shop, Walmart has been at the forefront of innovation in the retail industry. It is always looking for new ways to meet the needs of buyers.

One of the last necessities many shoppers have is an NFC terminal so they can use their digital wallets like Apple Pay.

This is what you need to know if Walmart accepts Apple Pay or not.

Does Walmart Take Apple Pay In 2022?

Unfortunately, Walmart doesn’t accept Apple Pay in any of its stores as of 2022. Instead, customers can use their iPhones to purchase items through Walmart Pay at registers and self-checkout aisles. Walmart only accepts payments via MasterCard, Visa, Checks, PayPal, Amex, and cash.

After doing some more research, I found some interesting reasons why Walmart doesn’t accept Apple Pay and what the next best thing is. Keep reading!

Why Doesn’t Walmart Accept Apple Pay? 

Before the company introduced Walmart Pay, they had another reason not to accept Apple Pay. It was because of his loyalty to a company called Merchant Customer Exchange or MCX.

The company (MCX) only accepts payment solutions that use QR codes called CurrentC. Because MXC is a direct competitor to Apple Pay, Walmart doesn’t use it, and Google Pay and Samsung Pay do.

Also another reason Walmart refuses to accept Apple Pay is that they can’t capture any data when a customer makes a purchase.

This information is precious as it allows Walmart to send personalized recommendations and notifications to customers using the Walmart Pay app.

Does Walmart Take Apple Pay In 2022? - Complete Guide
Does Walmart Take Apple Pay In 2022? – Complete Guide

How to Pay With iPhone at Walmart Using Walmart Pay

If you’re an iPhone user who still wants to pay for products via your smartphone at Walmart quickly and easily, you’re in luck!

You’ll need to download the Walmart Pay app on your iPhone (link to iOS app here), sign up for a free account, and connect your debit/credit card to the Walmart Pay app.

Side note: The following video walks you through setting up and paying wirelessly using Walmart Pay on an iPhone in store!

To use the Walmart Pay app, bring your items to the register or self-checkout aisle and scan the QR code once the final total appears.

Once the QR code has been scanned, it will open directly to the app, where you can pay with your debit/credit card.

As with Apple Pay, payment will be made instantly, and as a bonus, you’ll get your digital receipt right inside the app for safekeeping!

While Walmart Pay isn’t as seamless as Apple Pay, it’s still the best option that allows customers to pay digitally and not carry a wallet or purse.

Why Is Using Apple Pay So Beneficial?

When you choose to pay for your items with Apple Pay, you don’t have to worry about anyone getting your PIN because there isn’t one. Plus, there’s no chip or card reader on your phone for people to steal while you’re paying.

You can also use Face ID or Touch ID to make it even more secure. With Face ID, three types of sensors are used to scan your face.

Unless you have a twin, you’ll be the only one who can use this to pay with your phone. Touch ID is done with your fingerprint, and even your twin can’t spoof it.

Another advantage of using Apple Pay is that you don’t have to worry about saving your receipt, and apple Pay do that for you. Each transaction is stored privately on your phone but can only be accessed using your security option such as:

  • A PIN
  • Face ID 
  • Touch ID
Does Walmart Take Apple Pay In 2022? – Complete Guide

Another Benefit Of Apple Pay

Even better than using Apple Pay with your iPhone, using Apple Card is a credit card with no fees. You also get the best possible annual percentage rate (APR), so you can save money when you shop. Another bonus with the Apple Card is the daily cashback purchase award.

With each purchase, you get your money back instantly. And if you use your Apple Card with Apple Pay, you also get 2% cashback. So no matter what, you’re already saving money with the card and save an extra 2% with Apple Pay.

For more information on payments at Walmart, you can also view my guide to cashback limits at Walmart stores. You can also see if other stores like Kroger, Walgreens, Dollar General, Costco, and CVS accept Apple Pay.

What Payment Methods Does Walmart Accept?

If you have Apple Pay, you may be wondering how else you can make your payments to Walmart without it. Walmart accepts several different payment methods for purchases at their store.

Even if you don’t have a digital wallet, you can still use credit and debit cards from major carriers.

Some of their accepted cards include:

  • MasterCard
  • Visa
  • American Express

You can also pay with cash or personal checks. Money orders are another payment method that Walmart accepts, and the great thing about money orders is getting them directly from a Walmart store.

If the store has a MoneyCenter area, you can receive a money order. Some locations also have a single money order machine located near the front of the store.

This makes it cheap and easy to purchase a money order that you can use to pay for your purchases. The retailer also accepts its card called the Walmart MoneyCard. If you have any Walmart gift cards, you can also use them as a means of payment.

Amex gift cards are also accepted, but you must activate them first. Walmart also has its credit card, called the Walmart Credit Card, and you can use this like any other standard credit card to make purchases.

Finally, the store will also accept SNAP food stamps if that’s what you use to pay for groceries. Walmart accepts other alternative payment methods if you make your payments online.

Accept Chase Pay and PayPal, for example, for online purchases. Reliacard cash is also accepted for online payments.

Finally, Walmart will accept Amex Express Checkout as a means of payment for its online store. Both their online and physical stores also accept Venmo as a payment method, and it is one of the few stores that carry it.

Does Walmart Take Apple Pay In 2022? - Complete Guide
Does Walmart Take Apple Pay In 2022? – Complete Guide

Advantages Of Walmart Pay

If you are an Apple Pay user, you may be wondering what the advantages of using Walmart Pay are. Here are some perks you can expect with Walmart Pay.

1. Safe Payment Transactions

One of the risks of using a credit or debit card in a store is theft. Although many stores invest in their security to limit theft, there is always the possibility that someone will hack into a terminal or the server.

Digital wallets increase security because they do not require physical contact. There is nothing a hacker or thief can put into a credit card terminal that will steal information from a digital wallet.

That’s because you never swipe a card. Instead, scan a QR code, and that QR code also has a unique use.

You will never scan the same QR code again, nor anyone else. It is a unique code generated every time you make a purchase, making it extremely difficult to hack.

If you’re concerned about your sensitive information being leaked, Walmart Pay can increase your security and give you peace of mind.

2. Sanitary

Many customers are interested in more hygienic methods of making a payment. Handing cash to tellers or touching buttons to enter a PIN can spread germs.

In the wake of the COVID-19 pandemic, more customers are looking for ways to limit the amount of contact they need to make in a store.

Stores are also looking for ways to decrease the number of touchpoints in their store.

This makes cleaning and sanitizing stores much easier and cheaper. Contactless payment methods like Walmart Pay serve that purpose, and it eliminates the need to touch a screen, enter a PIN, or swipe a card.

The only thing a customer touches when shopping with Walmart Pay is their phone, items, and bags, making the payment experience much more hygienic.

3. No More Forgotten Cards

Nothing is more frustrating or anxiety-inducing than realizing you forgot your wallet or card at home.

It isn’t very comfortable when the teller tells you that your card doesn’t work. Digital wallets like Walmart Pay also get around this problem.

Since most people have their phones handy at all times, it’s much harder to forget your “card” at home. You need to have enough battery power on your phone to open the Walmart Pay app and scan the QR code.

If your default payment method doesn’t work in the Walmart Pay app, switching to a different card or a different payment method is easy.

All you need to do is click on the new card and select it as your default card or payment method for your purchases. This allows you to have several different ways to pay without carrying all those cards with you.

Does Walmart Take Apple Pay In 2022? – Complete Guide

4. Fast And Convenient

A final advantage of using Walmart Pay is fast and convenient. Checkout lanes can get long, and the longer they last, the more frustrated and unhappy customers become.

Using Walmart Pay is much faster because you don’t have to wait for a card to the processor for someone to type your PIN into the reader.

You also don’t have to wait for someone to retrieve your change after paying cash. Instead, the individual has to scan a QR code and voila. It makes the checkout experience faster, which means smaller lines and happier customers.

Disadvantages Of Walmart Pay

While Walmart Pay is an excellent alternative to Apple Pay, it does come with a few disadvantages. Here are a few disadvantages of Walmart Pay.

1. Paper Coupons

While Walmart has its digital coupon system called Scan & Go, it still doesn’t have a way to integrate paper coupons and Walmart Pay.

If you have a paper coupon, you’ll need to scan it into the register yourself at a self-checkout lane or hand it to the cashier.

They’ll put in the coupon for you, which will apply the discount. Then you can use the Walmart Pay app to make your purchase. While the system doesn’t add too much time to the overall investment, it does make things less efficient.

Coupons aren’t integrated into the Walmart Pay app, which forces customers to use yet another tool, Scan & Go, to apply their digital coupons.

2. Only Works At Walmart Stores

The Walmart Pay app only works at Walmart stores, and it does not work at other stores that Walmart also owns. For example, it doesn’t work at Sam’s Club.

You’ll need another digital wallet if you want to shop at other Walmart-affiliated stores. If you only shop at Walmart, it isn’t a big deal, but if you also shop at its other stores, this could be frustrating.

3. Collects Information

Using the Walmart Pay app allows Walmart to collect Information about your purchases.

This can be beneficial since it helps Walmart make you aware of specific discounts and coupons. That can help you save money.

The downside is that it also uses the Information to create ads targeted specifically to you. If you’re wary of a corporation collecting Information about your buying habits, you might not enjoy Walmart Pay.

Does Walmart Take Apple Pay In 2022? - Complete Guide
Does Walmart Take Apple Pay In 2022? – Complete Guide

What Stores Do Accept Apple Pay?

Although you can’t use Apple Pay at Walmart, there are thousands of other stores where you can use your iPhone to pay for groceries and other items.

For example, 7-Eleven and CVS now accept Apple Pay at checkout. They resisted the application but recently relented. Here are some other retailers that accept Apple Pay:

  • Acme Markets
  • Albertsons
  • Costco
  • Food Maxx
  • Publix
  • Safeway
  • Save Mart 
  • Schnucks
  • Shop N Save
  • Super Valu
  • IKEA
  • Target
  • Walgreens
  • Whole Foods Market
  • Winn Dixie

And since many people shop primarily online today, you can use multiple ways to pay for your items across stores. But you can also use your Apple Pay online at many stores. Some of them include:

  • Best Buy
  • Disney
  • Dunkin’ Donuts
  • Etsy
  • Fandango
  • Lyft
  • Panera
  • Sephora
  • Starbucks
  • Uber
  • Wish

On the other hand, if you’re at Walmart and need to pay for something right away, you can also use:

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


Walmart doesn’t accept Apple Pay because it has its digital wallet called Walmart Pay. The store also carries various other payment methods in its physical stores and online.

The Walmart Pay app can be used on Android and iPhone, but it has certain advantages and disadvantages.

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