What is Walmart Pay? (Your Super Guide + FAQ)
Walmart is one of the largest grocery and home improvement retailers in the United States, selling a wide variety of products at low prices.
Recently, Walmart announced that customers can now conveniently shop in-store using a service called Walmart Pay, so you might be wondering — what the hell is Walmart Pay? Here’s everything I’ve found through my research!
What is Walmart Pay?
Walmart Pay is a digital wallet that is part of the Walmart smartphone app that can be used to make contactless payments in-store. You can attach a debit, credit or gift card to Walmart Pay for safe and convenient shopping at all Walmart stores.
To learn more about setting up Walmart Pay on your smartphone, adding debit and credit cards to Walmart Pay, and earning various cash rewards through the app, keep reading!
How does Walmart Pay work?
Since Walmart Pay is a mobile wallet, you can link debit cards, credit cards and even gift cards to make contactless payments at Walmart stores.
Customers can download Walmart Pay to their smartphones, as it is available for iOS and Android, use it at checkout and receive an electronic receipt within the app once the transaction is processed.
Side Note: To see how Walmart Pay works, you can watch the video below that walks you through setting up Walmart Pay and using it in-store.
Plus, Walmart Pay uses multi-level SSL for security updates, so you don’t have to worry about your payment information being insecure.
How do you set up Walmart Pay?
Walmart Pay is part of the Walmart app, so if you don’t have it, you can go to the Apple Store or Google Play Store and download the Walmart app for free.
Once you have the Walmart app, setting up Walmart Mobile Wallet is easy with just the right steps and an integrated payment method.
To get started with Walmart Pay, follow these steps:
- Download and open the Walmart app, then select the “Services” menu.
- Select the “Pay at Walmart” option.
- Follow the on-screen prompts to “Get Started.”
- If you are a new user, please log in to your Walmart.com account or create a new one.
- Add your payment method – options include debit card, credit card or gift card.
- Wait for the initial settings to be confirmed.
- Select “Got it” on the screen to continue.
- Your Walmart Pay is now ready to use!
Once you’ve set up Walmart Pay, you can use it at any Walmart store without carrying your wallet.
How do I add a card to Walmart Pay?
You can quickly and easily add new debit, credit or gift cards to your Walmart Pay mobile wallet. Just follow the steps below to add a card:
- Sign in to the Walmart Pay section of the Walmart app.
- Click on the “Credit or Debit Card” option.
- Use your smartphone’s camera to capture card information or enter it manually by selecting “Type card information instead”.
- Add your name, address, security code and other necessary information and press “Continue”.
- Create a four-digit PIN for security, or use your biometric ID to access payment methods.
If you want to add more cards, you can easily do so by tapping “Add payment method” at the bottom of the app screen and repeating the same steps.
How do you pay with Walmart?
After scanning your items at the checkout register, you can use Walmart Pay as a contactless payment method for self-checkout and employee-assisted checkouts.
Sync your mobile wallet and process payments using the Walmart Pay QR code on the debit card reader screen or kiosk display.
Note that you will need to provide your unique phone security PIN or biometric code to unlock your phone.
When the transaction is complete, a notification sound will play and you will receive an electronic receipt in the Walmart app.
Is Walmart Pay Safe?
Like other types of mobile wallets like Apple Pay, Google Pay, and Samsung Pay, Walmart Pay is completely secure and safe to use.
It has multiple layers of security to protect your payment information and personal details so that you can use it safe and secure.
For example, accessing or changing any payment method in Walmart Pay requires your personal Touch ID or security code.
In addition, security methods are continuously updated throughout the Walmart application and data encryption is improved through a secure network called Secure Sockets Layer (SSL).
Which payment methods work with Walmart Pay?
Walmart Pay can be linked with any major credit or debit card, as well as Walmart gift cards, eGift cards, and prepaid cards. However, you cannot directly link Walmart Pay to a checking account.
Accepted major card providers include:
- American Express
- Find
- MasterCard
- visa
Where can you use Walmart Pay?
You can use Walmart Pay at any Walmart store or Supercenter self-checkout kiosk or with a salesperson. To find your local Walmart store, you can use their handy location finder.
Can you use Walmart Pay Online?
You cannot use Walmart Pay to shop online, not even at walmart.com, because you need to scan the Walmart Pay mobile wallet QR code to process the payment.
Instead, you’ll need to use your linked credit, debit, or gift card directly, rather than through the Walmart Pay portal.
What can’t you pay with Walmart?
You can’t buy gas with Walmart Pay because the payment method isn’t compatible with gas station purchases.
Also, you cannot pay for Sam’s Club purchases or EBT/SNAP/WIC purchases with Walmart Pay.
Can you get cash back with Walmart Pay?
Unfortunately, you can’t get cash back with Walmart Pay at checkout.
However, you can earn cash back if the payment card you attach to your Walmart Pay account earns cash rewards for purchases — so any Walmart Pay purchases still allow your rewards credit card to accrue rewards points or cash back when you shop.
Can you split payment methods with Walmart Pay?
You can split your Walmart Pay payment between your linked Walmart Pay card and other payment methods at the register. You can choose to use cash, EBT/SNAP/WIC, or Walmart gift card balance for this purpose.
Can you return an item purchased with Walmart Pay?
You can return purchases paid for with Walmart Pay in-store or by initiating Mobile Express Returns on the Walmart app.
Using the app, go to your purchase history, select the purchase that contains the item you want to return, and scroll to the bottom to view the transaction barcode required for the return.
Can Walmart employees use Walmart Pay?
Walmart associates and associates can indeed use Walmart Pay and link their employee discount cards to their mobile wallets to continue receiving discounts.
Walmart associates can open the barcode scanner in the Walmart app and scan the special employee discount QR code (available here at walmart.com), enter their Walmart identification number, and start shopping!
Can you use coupons with Walmart Pay?
You can only scan paper coupons and Walmart Pay separately at checkout, as digital coupons won’t work.
Does Walmart Pay have designated checkout lanes?
No, there are no special or designated checkout lanes for Walmart Pay users. Instead, regardless of the payment method, all customers must proceed to a self-checkout kiosk or sales associate register to check out.
What’s the difference between Walmart Pay and the Walmart app?
The difference between the two can be confusing because Walmart Pay is a feature available through the Walmart app, so it can be difficult to tell from the app as a whole.
However, the main difference between the two is that Walmart Pay is strictly a mobile wallet that stores your payment information, while the Walmart app is more of an online shopping experience.
You can buy thousands of products online and arrange grocery pickup and delivery through the Walmart app on your smartphone. Walmart Pay, on the other hand, is only for in-store contactless payments.
How can you get the most out of Walmart Pay?
To get the most out of Walmart Pay, try linking a credit card that earns generous rewards bonuses or cash back and activate it as your default payment method in Walmart Pay.
That way, when you complete your Walmart shopping trip, you can earn great rewards to redeem later.
For example, you can earn cash back by linking Walmart’s new rewards card, the Capital One Walmart Rewards MasterCard, with the Walmart Rewards Card.
To learn more, you can check out our other guides on whether Apple Pay and Google Pay are accepted at Walmart. Plus, you can check out our big post on Walmart Plus, where we’ll find out if it’s worth the hype.
in conclusion
Walmart Pay is a convenient mobile wallet that can be accessed through the Walmart app. It’s a free feature, available for iOS and Android, that enables secure and contactless payments.
You can only use Walmart Pay at self-checkouts and employee registers in Walmart stores, but not online at Walmart.com.
