A lot of Apple fans who also shop at Walmart are always curious to know the decision of Walmart on Apple Pay.

Apple Pay is a form of digital payment, and a fast way for iPhone users, Apple watch users, iPad users, and users of other Apple products to check out in-store and online.

Apple Pay replaces the use of credit cards and cash. It also has some benefits aside from being faster, easier, safer, and more secure.

Millions of websites, apps, and thousands of retail stores accept Apple Pay for the purchase of products both online and in-store.

So, does Walmart take Apple Pay for purchases of products either in-store, online, or both? This article will state Walmart’s decision on Apple Pay concerning purchasing payment options.

Also, alternative modes of payment on Walmart and how to use them for purchases will be discussed. Have a nice read!

Quick Fact:

  • Walmart does not take Apple Pay for payment of purchases both in-store and online.
  • Walmart is a member of Merchant Customer Exchange(MCX).
  • MCX members are obliged by contract to use MCX’s mobile payment solution.
  • Walmart’s mobile payment solution is Walmart Pay, an alternative to Apple Pay.
  • Walmart Pay can be used on all Apple devices and Android devices as well.

Does Walmart take Apple Pay for Purchases?

Apple Pay is a mobile payment service provided by Apple. It allows all users of Apple products to make contactless payments using iPhone, iPad, Apple Watch, and MacBook.

Does Walmart take Apple Pay for Purchases?

Apple pay is a substitute for credit and debit cards. Apple Inc. in its description calls it money that has been made modern. 

The setup is quite easy. Customers who wish to use Apple Pay just have to add their credit or debit card information to the Wallet app on their iPhone, and then, Apple Pay is ready for use on all connected Apple devices belonging to the customer.

Apple Pay works on Apple-authorized devices by making the devices communicate wirelessly using Near Field Communication (NFC) with the point of sale system. Two-factor authentication using either the Face ID, Touch ID, passcode, or PIN is required to complete payments of purchases when using Apple Pay.

Unfortunately, Walmart does not take Apple Pay for payment of purchases both online and in-store. Apple Pay uses Near Field Communication (NFC) to authorize payments, but Walmart does not accept NFC-authorized payments for its purchases at the moment.

Most other forms of payment are accepted at Walmart but NFC technology which Apple Pay uses is not currently supported at Walmart stores.

Why does Walmart not take Apple Pay for Purchases? 

Most stores like Walmart take Apple Pay for payments of purchases. Unlike other stores, however, Walmart does not take Apple Pay for payment of purchases.

This begs the question of why Walmart does not take Apple Pay for payment of purchases. There are a few reasons Walmart does not take Apple Pay. Some of them have been explained below.

  1. Walmart’s alternative to Apple Pay

The major reason Walmart does not take Apple Pay is that it has an alternative it offers. Walmart has Walmart Pay, an alternative that works similarly to Apple Pay.

If Walmart takes Apple Pay to allow customers to pay for purchases with it, the decision will affect the number of Walmart customers that use Walmart pay since they serve almost the same purpose.

  1. Decrease in Walmart Revenue

Using Apple Pay will mean a decrease in revenue for Walmart. If Walmart takes Apple pay, Apple Inc. will get more revenue as Walmart customers use it. This will in turn reduce Walmart’s revenue made on the use of Walmart Pay by its customers.

Acceptance of Apple Pay directly influences Walmart Pay, an alternative to Apple Pay.

  1. Data Collection hampering

If Walmart takes Apple Pay, it will hamper its data collection of customers. When customers make purchases online or using other Walmart-enabled platforms, Walmart collects the data of its customers so it can provide a personalized shopping experience for them.

A personalized shopping experience enables an easy and convenient shopping experience for customers.

  1. Nonsupport for NFC technology

Although it is not the main reason Walmart does not take Apple Pay, it still stands as a reason. Walmart currently does not support near-field communication technology for payment of store purchases. Walmart however supports the Quick Response (QR) code technology as seen in its alternative to Apple Pay for payment of store purchases.

When will Walmart take Apple Pay?

From the reasons stated above, it can be deduced that if Walmart takes Apple Pay, it will affect Walmart one way or the other. So, it can be stated that Walmart will not take Apple Pay now or in the future unless it ditches Walmart Pay and decides to consider Apple Pay.

Also, Walmart takes the forefront in the Merchant Customer Exchange (MCX), a group of retailers working on their mobile payment operation, according to Business Insider.

MCX members including Walmart are obliged by contract to use only MCX’s mobile payment solution, an alternative to Apple Pay like Walmart Pay, and shut down support for Apple Pay. This explains another reason Walmart may never adopt the use of Apple Pay.

What form of payment is accepted by Walmart?

Walmart accepts a lot of payment options. It also provides an easy, fast, and secure checkout alternative to Apple Pay known as Walmart Pay.

Aside from Walmart Pay, Walmart also accepts cash, credit and debit cards, gift cards, Walmart credit cards, and many more.

How to use Walmart Pay to pay for purchases

Unlike Apple Pay, Walmart Pay is for both Android and Apple devices. It is free and easy to use as well.

Also, you do not have to worry about receipts. When you pay for your purchases at Walmart stores using Walmart Pay, your receipts are automatically saved to your account. They are called e-receipts and can always be found every time you log into your Walmart account.

Follow the step below to know how to set up Walmart Pay

  1. Download the Walmart App on your Android or Apple device.
  2. Open the app.
  3. Create a Walmart account if you do not have one.
  4. Sign in to your Walmart account.
  5. Tap Walmart Pay.
  6. Enter your loaded credit cards, debit cards, or gift cards, if you have not entered them before.
  7. Choose the card you want to use with Walmart Pay. 
  8. Set up a PIN to be used to check out by you.
  9. For extra security or quicker access, you can set up a Touch ID as well.


  • You can change the preferred card to use with Walmart Pay anytime.
  • Also, you can add and remove any payment method anytime you want.

Steps to use Walmart Pay in store 

  1. Get all the items you need and shop as you would normally.
  2. Scan all items at checkout.
  3. Before using Walmart Pay, use all EBT balances such as WIC and SNAP.
  4. Open your Walmart app and tap Walmart Pay.
  5. Enter your passcode or the Touch ID as set up by you.
  6. Gift cards are automatically used for payment first unless the feature has been disabled.
  7. Preferred method of payment is displayed at the bottom of the screen. You can as well change to a different card.
  8. Hold your phone over the QR code that is displayed on the register to pay for your purchases.
  9. A chime indicates your purchase is confirmed. 
  10. You will receive a notification on your phone when your e-receipt is ready.


Merits of Apple Pay

Apple Pay has a lot of benefits for customers who wish to use it. Aside from Walmart and some other retail stores, most other retail shops take Apple Pay for payment of purchases. Some of the advantages of using Apple Pay have been highlighted below.

  1. Convenience

Users do not have to carry their credit and debit cards around when they need to make purchases at stores or any other place. All that is needed is their iPhone, Apple Watch, or any other Apple-authorized device.

  1. Easy to use 

With just a touch or glance at your phone or device, you pay for transactions. No need for cards, PINs, or passwords. 

You do not have to touch buttons or terminals. All you need to touch is your device. This helps you to keep yourself free from germs and avoid the risk of infections.

  1. Faster checkout

With Apple Pay, you get to check out faster.  Within five seconds, you pay for all your purchases and leave the store as fast as possible.

  1. Safe and secure

Apple Pay uses a unique transaction code and a device-specific number when you make a purchase. User card numbers are neither stored on Apple servers nor are they shared by Apple with merchants. 

Transaction information is also not kept and can not be tied back to users. So all purchases stay private.

So Apple Pay is safe, secure, and protects user data.

  1. Widely accepted

Apple Pay is accepted for payments at over 85 percent of retail stores in the United States. It works at stores and all places that accept contactless payitsnts be it vending machines, taxis, subway stations, or any other place.

  1. Free 

Another merit of Apple Pay is that it is free to use. Apple Pay users are not charged any fee for making any transaction using Apple Pay whether in stores, online, or apps.

  1. Cashback on purchases

Customers who use Apple Pay with Apple Card get a 2 percent (2%) daily cash back on every purchase.

Stores that take Apple Pay

Over 85 percent (85%) of retail stores accept Apple Pay. So if you want to use Apple Pay to pay for your purchases at any store, you should inquire with the customer service department first before proceeding to get the items you want or need. A few of the stores that take Apple Pay are:

  •  Acme Markets
  • Shop N Save
  • Food Maxx
  • Target
  • Costco
  • Super Value
  • Public
  • IKEA
  • Albertsons 
  • Safe way
  • Winn Dixie
  • Save Mart
  • Whole Foods Market
  • Schnucks
  • Walgreens and many more.

How do I pay with an iPhone at Walmart?

Since Apple Pay is not accepted for payment of purchases at Walmart, you can pay with an iPhone on Walmart using Walmart Pay. 

Final Thoughts

Walmart does not take Apple Pay for payment of purchases. However, Walmart has an alternative known as Walmart Pay that works similarly to Apple Pay.

Apple Pay like Walmart Pay is free and easy to use. Apple Pay is restricted to Apple devices while Walmart Pay can be used on both Android and Apple devices.

On the other hand, Walmart Pay can only be used in Walmart stores while Apple Pay is accepted in a lot of other stores and platforms.

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