Apple Pay has become an increasingly popular payment method, offering convenience and security for millions of users. However, not all retailers have embraced this contactless payment system, leading to confusion among consumers. One of the most common questions is whether Walmart, the largest retailer in the United States, accepts Apple Pay. In this article, we’ll provide a detailed answer to this question and explore the various payment options available at Walmart.

Quick Answer: No, Walmart does not accept Apple Pay as a direct payment method in its stores. However, customers can use their Apple Pay-linked cards through the Walmart app’s Walmart Pay feature, providing a workaround for those who prefer to use their Apple Pay accounts.

Understanding Apple Pay

Before diving into Walmart’s stance on Apple Pay, let’s briefly discuss what Apple Pay is and how it works. Apple Pay is a mobile payment and digital wallet service provided by Apple Inc. It allows users to make payments using their iPhone, Apple Watch, iPad, or Mac. To use Apple Pay, users must add their credit or debit card information to the Wallet app on their device. When making a purchase, they simply hold their device near the contactless reader at the point of sale, and the transaction is completed securely using Near Field Communication (NFC) technology.

Walmart’s Position on Apple Pay

Despite the growing popularity of Apple Pay, Walmart has chosen not to accept it as a direct payment method in its stores. This decision has been met with confusion and frustration from many customers who prefer the convenience of contactless payments. Walmart’s reasoning behind this choice is multifaceted:

  1. Promoting Walmart Pay: Walmart has its own mobile payment system called Walmart Pay, which is built into the Walmart app. By not accepting Apple Pay, Walmart encourages customers to use its proprietary payment method, giving the company more control over the transaction process and customer data.
  2. Avoiding Transaction Fees: When a retailer accepts Apple Pay, they must pay a small transaction fee to Apple. Given Walmart’s massive scale and tight profit margins, the company may be reluctant to incur these additional costs.
  3. Maintaining Control: Walmart has a history of prioritizing control over its payment systems. By keeping transactions within its own ecosystem, Walmart can better manage customer data, loyalty programs, and overall user experience.

Using Apple Pay at Walmart: A Workaround

While Walmart does not directly accept Apple Pay, there is a workaround that allows customers to use their Apple Pay-linked cards through the Walmart app. Here’s how it works:

  1. Download and Install the Walmart App: If you haven’t already, download the Walmart app from the App Store on your iPhone or iPad.
  2. Add Your Apple Pay Card to Walmart Pay: Open the Walmart app and navigate to the Walmart Pay section. Here, you can add your preferred payment method, including the card linked to your Apple Pay account.
  3. Use Walmart Pay at Checkout: When you’re ready to make a purchase, open the Walmart app and select Walmart Pay. The app will display a unique QR code that you can scan at the register to complete your transaction. This process allows you to indirectly use your Apple Pay-linked card without relying on NFC technology.

It’s important to note that while this workaround enables you to use your Apple Pay card, it does not provide the same seamless, contactless experience as using Apple Pay directly.

Other Payment Options at Walmart

In addition to Walmart Pay, Walmart accepts several other payment methods, ensuring that customers have a variety of options to choose from:

  1. Credit and Debit Cards: Walmart accepts all major credit cards, including Visa, Mastercard, Discover, and American Express. They also accept debit cards, including those issued by Walmart’s own MoneyCard program.
  2. Cash: Customers can pay with cash at any Walmart register. For added convenience, Walmart also offers a cash pickup service for online orders, allowing customers to pay with cash when they collect their items in-store.
  3. Checks: Walmart accepts personal checks as a form of payment, subject to certain verification processes and limitations.
  4. Gift Cards: Walmart gift cards can be used to make purchases both in-store and online. Customers can also use select third-party gift cards, such as those from Visa or Mastercard, to make purchases at Walmart.
  5. PayPal: When shopping on, customers can choose to pay using their PayPal account, providing an additional layer of security and convenience for online transactions.

The Future of Contactless Payments at Walmart

As contactless payment methods continue to gain popularity, it’s possible that Walmart may reevaluate its stance on Apple Pay in the future. Some industry experts believe that the COVID-19 pandemic, which has accelerated the adoption of contactless payments for hygiene reasons, may pressure Walmart to reconsider its position. However, as of now, Walmart remains committed to promoting its own mobile payment system and has not announced any plans to accept Apple Pay directly.


In summary, Walmart does not currently accept Apple Pay as a direct payment method in its stores. This decision is driven by Walmart’s desire to promote its own mobile payment system, avoid transaction fees, and maintain control over customer data. However, customers can still use their Apple Pay-linked cards through the Walmart app’s Walmart Pay feature, providing a workaround for those who prefer to use their Apple Pay accounts. Despite this limitation, Walmart offers a wide range of other payment options, ensuring that customers can choose the method that best suits their needs. As the retail landscape continues to evolve, it will be interesting to see if Walmart reconsiders its position on Apple Pay in the future.

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