Does Walmart Take Apple Pay in 2025? What You Need to Know

If you’re an iPhone user or a fan of contactless payments, you might be wondering: Can I use Apple Pay at Walmart? With Apple Pay accepted at so many major retailers, it’s a reasonable question—especially if you want a fast, secure, and touch-free checkout experience. However, Walmart’s payment policies are unique among big-box retailers, and the answer isn’t as straightforward as you might hope.

This guide doesn’t just answer whether Walmart takes Apple Pay—it dives into the “why,” explores the strategic implications, and offers the forward-thinking analysis of what Walmart’s approach signals for the future of retail payments.

Quick Answer: No, Walmart does not accept Apple Pay in U.S. stores, online, or at self-checkout.

If you try to tap your iPhone or Apple Watch at a Walmart register, it won’t work. Walmart instead promotes its ownmobile payment system, Walmart Pay.

Why Doesn’t Walmart Accept Apple Pay?

Walmart’s decision not to accept Apple Pay is rooted in several strategic and financial reasons:

• Promoting Walmart Pay: Walmart Pay is a QR-based payment system built into the Walmart app. By encouraging customers to use Walmart Pay, Walmart keeps shoppers within its own ecosystem, enabling features like digital receipts, personalized deals, and easier returns.
• Avoiding Apple Pay Transaction Fees: Every Apple Pay transaction includes a small processing fee paid to Apple. By relying on Walmart Pay, Walmart avoids these fees and maintains tighter control over payment processing costs.
• Data & Customer Insights: When customers use Walmart Pay, Walmart can track purchase behavior more effectively, allowing for better marketing and loyalty programs. With Apple Pay, that valuable data would be less accessible.
• Legacy of MCX Partnership: Walmart was a founding member of the Merchant Customer Exchange (MCX), a consortium aimed at developing retailer-driven mobile payment solutions. While MCX is no longer active, its influence continues to shape Walmart’s payment strategy.

Walmart’s official statement:

“We do not accept NFC and instead have implemented convenient solutions, such as Walmart Pay, that provide our customers easy, touchless payments on any smartphone. We have also invested in innovative technologies that go beyond payments, such as Scan & Go, which allow Sam’s Club and Walmart+ members to bypass the checkout altogether,providing a truly touchless shopping experience.”

— Walmart spokesperson, MacRumors, Jan 2025

The Digital Wallet Revolution: Why Walmart Stands Apart

Over the past decade, the U.S. has witnessed a dramatic shift toward digital wallets and contactless payments. According to CapitalOne Shopping, more than 50% of U.S. smartphone users have activated a mobile wallet, and as of 2024, Apple Pay is accepted at over 85% of American retailers. Tap-to-pay has moved from novelty to expectation, especially among younger, tech-savvy shoppers.

So, where does Walmart fit into this revolution? Despite being the nation’s largest retailer, Walmart remains a notable exception in the growing landscape of digital wallet acceptance. While competitors like Target, Best Buy, CVS, Aldi, Walgreens, and Home Depot have all adopted Apple Pay and similar solutions, Walmart continues to promote its own proprietary system—Walmart Pay—rather than joining the broader trend.

Why does this matter for shoppers and the industry?

The payment experience is no longer just about convenience; it’s a key driver of customer loyalty and brand perception. Retailers that offer seamless, flexible payment options are increasingly seen as customer-centric and innovative. Conversely, those that resist risk appearing out of touch with evolving consumer expectations.

Walmart’s decision to stand apart from the digital wallet mainstream highlights a strategic crossroads: double down on ecosystem control and proprietary technology, or adapt to the growing demand for universal, frictionless payments. As the digital wallet revolution accelerates, Walmart’s unique approach draws both scrutiny and intrigue—making its next move one to watch in the ever-evolving world of retail payments.

What Payment Methods Does Walmart Accept?

Walmart offers a wide range of payment options to suit different shopping preferences and needs. Here’s a detailed look at each method, including where and how you can use them, key benefits, and any important limitations:

• Walmart Pay: Walmart Pay is Walmart’s proprietary mobile payment solution, integrated into the Walmart app for iOS and Android. After adding your preferred payment methods (credit/debit cards, Walmart gift cards, select benefits cards) to your account’s digital wallet, you can use Walmart Pay at any in-store register—including self-checkout—by scanning a unique QR code displayed on the screen. Walmart Pay provides digital receipts for every transaction, making returns and expense tracking simple. Note: Walmart Pay does not support tap-to-pay with Apple Pay, Google Pay, or other third-party wallets.
• Credit and Debit Cards: Walmart accepts all major credit and debit cards, including Visa, Mastercard, American Express, and Discover. You can use these cards for both in-store and online purchases. Many cards support contactless tap-to-pay, but only physical cards—not digital wallets—are accepted for tap payments at Walmart. Simply swipe, insert, or tap your card at checkout, or enter your card details online.
• Walmart Gift Cards: Walmart gift cards are available in physical or digital formats and can be used for purchases in-store, on Walmart.com, and at Walmart fuel stations. Gift cards are a popular choice for gifting or budgeting, as you can preload them with a custom amount and easily check your balance. Gift cards can also be added to your Walmart Pay wallet for seamless checkout.
• EBT Cards: Walmart accepts Electronic Benefits Transfer (EBT) cards for eligible food and grocery items in participating states. At checkout, simply swipe your EBT card and enter your PIN to pay for approved items.Some Walmart locations also allow EBT payments for online grocery pickup and delivery, but this varies by state and program.
• HSA/FSA Cards: Health Savings Account (HSA) and Flexible Spending Account (FSA) cards are specialized debit cards linked to health or flexible spending accounts. Walmart accepts these cards for eligible medical, health, and wellness purchases, such as prescriptions, over-the-counter medications, and certain health products. HSA/FSA cards can be used in-store and online, provided the items are approved by your benefits provider.
• PayPal: PayPal is available as a payment method for online purchases at Walmart.com and, in some locations, for in-store payments via QR code. To pay online, simply select PayPal at checkout and log in to complete your transaction. For in-store use (where available), you may need to generate a QR code within the PayPal app for the cashier to scan.
• Affirm: Affirm is a financing option that lets you break up eligible online purchases into fixed monthly payments. When checking out on Walmart.com, select Affirm as your payment method, then follow the prompts to apply for financing and choose a payment plan. Approval is subject to credit check and eligibility, and terms vary based on purchase amount and creditworthiness.
• Benefit Cards: Walmart accepts specialized benefit cards, such as Healthy Benefits and OTC Network cards, which are provided through certain insurance or assistance programs. These cards can be used to pay for qualifying health and wellness products, groceries, or over-the-counter medications, depending on your program’s rules. Present your benefit card at checkout, and eligible items will be deducted from your balance.
• Pay by Bank: Pay by Bank is a feature that allows customers to link their checking or savings account directly for online purchases at Walmart.com. This method enables secure direct bank transfers without the need for a credit or debit card. To use it, select Pay by Bank at checkout and follow the prompts to link your account and authorize the payment.
• Cash: Cash is accepted at all Walmart locations for in-store purchases. You can pay with bills and coins at any staffed register or self-checkout kiosk. Cash is also accepted for services like money transfers, bill payments at the customer service desk, and for loading Walmart MoneyCards.

Note: Some payment methods—such as PayPal, Affirm, and certain benefit cards—may only be available for online transactions or at select Walmart locations. Always check with your local store or Walmart.com for the most up-to-date acceptance policies.

Setting Up and Using Walmart Pay: A Step-by-Step Guide

Walmart Pay is Walmart’s answer to mobile, contactless checkout. While it isn’t Apple Pay, it offers a streamlined, app-based payment experience.

Why Use Walmart Pay?

• Contactless and Secure: No need to hand over cards or cash—just scan and go.
• Digital Receipts: Every purchase is logged in your app, making returns and expense tracking easy.
• Personalized Offers: Access deals and savings based on your shopping habits.
• Integrated Experience: Manage payment methods, orders, and Walmart services—all in one app.

How to Set Up Walmart Pay

1. Download the Walmart App
2. Available for free on the Apple App Store and Google Play Store.
3. Create or Sign In to Your Walmart Account
4. Tap “Account” to log in or register.
5. Add a Payment Method
   • Go to the “Wallet” section in your account.
   • Tap “Add new payment method”.
   • Choose “Credit/Debit Card” and enter your card details (including Apple Card if you have one).
     
     
   • You can also add Walmart gift cards, HSA/FSA cards, and more.
   • Tip: Scan your physical card with your phone’s camera for faster entry.
6. Enable Security Features
7. Set up Face ID, Touch ID, or a passcode lock for added security.

How to Use Walmart Pay at Checkout

1. Shop as usual and scan your items.
2. Open the Walmart app and select Walmart Pay.
3. Scan the QR code displayed on the register screen.
4. Choose your payment method.
5. Complete the payment—your digital receipt will be saved in the app.

Troubleshooting Tip: If the QR code won’t scan, check your screen brightness, camera permissions, or refresh the app.If you lose connection, most registers let you reconnect and finish payment.

Privacy, Security, and Accessibility of Walmart Pay

• Security: Payment details are encrypted and never shared with the cashier or register.
• Privacy: Walmart Pay allows Walmart to track purchases for personalized offers; Apple Pay, by contrast, does not share purchase data with the retailer.
• Accessibility: Walmart Pay supports VoiceOver, screen readers, and large text/high-contrast options.

Can You Use Apple Pay at Walmart? (Workarounds Explained)

You cannot use Apple Pay’s tap-to-pay feature at Walmart registers. However, there are alternative ways to use your iPhone or Apple Card for payment:

1. Use Your Apple Card via Walmart Pay

You can add your Apple Card (or any credit/debit card) to Walmart Pay and use it for purchases.

Note: This is not Apple Pay—it’s your Apple Card acting as a regular credit card within Walmart Pay.

Step-by-step:

1. Download and open the Walmart app on your iPhone.
2. Sign in or create a Walmart account.
3. Tap the Account tab and select “Wallet.”
4. Tap “Add new payment method” and choose “Credit/Debit Card.”
5. Enter your Apple Card details.
6. At checkout, open Walmart Pay in the app, scan the QR code, and select your Apple Card as payment.

2. Use Ibotta or Gift Card Apps

Apps like Ibotta let you buy Walmart gift cards using your Apple Card or Apple Pay (within the Ibotta app), then pay at Walmart by scanning the gift card barcode.

How it works:

1. Open Ibotta and purchase a Walmart gift card using your preferred payment method.
2. At Walmart checkout, scan the barcode from the Ibotta app to pay.
3. Bonus: Ibotta may offer cashback for Walmart purchases.

This isn’t a direct Apple Pay transaction at Walmart, but it’s a way to use Apple Card or Apple Pay funds indirectly.

Walmart Pay vs. Apple Pay: Quick Comparison

Market Analysis: Walmart vs. Other Retailers

Walmart’s refusal to accept Apple Pay is now the exception, not the rule, among major U.S. retailers.

Industry Insight:

The retail payment battleground is shifting from price alone to convenience, speed, and digital integration. Retailers that embrace a wide range of payment options are increasingly seen as customer-centric, while those that hold out risk eroding loyalty—especially among urban and younger shoppers.

Consumer Reactions: Frustration and Workarounds

Walmart’s policy generates vocal frustration online. Social media and forums are filled with comments like, “Why can’t I just tap and go at Walmart?” Some customers share workarounds or vent about the inconvenience, while others create viral videos expressing their disappointment.

Customers naturally have a hard time understanding why Walmart doesn’t have Apple Pay as an accepted payment method outright … People have gone viral on TikTok for crying over Walmart’s policy.

Despite this, Walmart’s low prices and ubiquity still draw millions. However, its resistance to Apple Pay could erode loyalty among digital-first consumers, especially as competitors make checkout even easier.

Security and Privacy: Walmart Pay vs. Apple Pay

• Walmart Pay:
  • Encrypts payment data; never shares card numbers with cashiers.
  • Tracks purchase history for marketing and loyalty programs.
  • Purchase data is stored by Walmart.
• Apple Pay:
  • Uses tokenization—your card number is never shared with the retailer.
  • Apple does not track your purchases.
  • Offers an extra layer of privacy and security for users.

International Perspective: Why Is the U.S. Different?

Walmart stores in Canada have accepted Apple Pay since 2020.

In the U.S., Walmart does not accept Apple Pay. This policy applies to all U.S. locations, including Walmart gas stations and self-checkout kiosks.

This divergence highlights how local market dynamics, regulatory frameworks, and competitive pressures can drive very different approaches to payment innovation—even within the same global brand.

Expert Analysis: The Future of Retail Payments at Walmart and Beyond

Walmart’s current approach maximizes data control and cost savings, but as digital payment options become table stakes for customer loyalty, this strategy faces mounting risks. The retail landscape is evolving rapidly:

• Payment flexibility is now a baseline expectation. Consumers increasingly expect to use their preferred digital wallets everywhere—especially at the nation’s largest retailer.
• Competitors are adapting. Former holdouts like Kroger and Home Depot have adopted Apple Pay, responding to consumer demand and competitive pressure.
• Data vs. experience: the tradeoff intensifies. Walmart’s focus on ecosystem control and data insights is at odds with the market’s shift toward customer-first convenience.

Provocative Question:

Will Walmart’s resistance to Apple Pay become a case study in missed opportunity or a masterclass in ecosystem control? The answer may define the next era of retail payment innovation.

Recommendations: What Should Walmart and the Industry Do Next?

For Walmart:

• Pilot Apple Pay in select markets. Gauge consumer response and measure impact on satisfaction and loyalty.
• Enhance Walmart Pay’s value proposition. Integrate more features, rewards, and partnerships to make it competitive with third-party wallets.
• Communicate transparently. Clearly explain to customers why certain payment options are (or aren’t) available—and how Walmart is working to improve the checkout experience.

For Other Retailers:

• Balance data control with customer experience.The long-term value of payment data must be weighed against the immediate gains in loyalty and market share from embracing digital wallets.
• Stay agile. Monitor consumer sentiment and competitor moves—payment preferences can shift quickly.

For Consumers:

Explore workarounds. Use Apple Card via Walmart Pay or purchase gift cards through apps like Ibotta if you want to use Apple Pay funds at Walmart.

Voice your preferences. Retailers do listen to feedback, especially when it’s visible on social media or through direct surveys.

Final Thought: The Future Belongs to the Flexible

As the retail payment landscape evolves, Walmart’s strategy is both bold and risky. Will its size and ecosystem keep it insulated, or is the tide turning so rapidly that even the biggest names must adapt—or risk falling behind? The future belongs to those who offer shoppers the ultimate in choice and convenience.

What do you think? Should Walmart open up to Apple Pay, or is its data-driven approach the smarter play? Share your thoughts and join the conversation below!

Read More:

• How to use Apple Pay on Apple Watch
• How to use Apple Pay Later on iPhone and iPad
• How to use Apple Pay on Mac
• Apple Pay Keeps Asking to Update Shipping Contact