Does Walmart Take Apple Pay in 2025?

In the modern era of shopping convenience, our guide to Walmart's Apple Pay policy should help you navigate the busy aisles of one of the world's largest retail giants, where it's vital to know if your preferred method of payment is compatible. As technology continues to revolutionize the way we shop, digital wallets like Apple Pay offer a seamless and secure way to make transactions. But the question that brought you here is: Can you use Apple Pay at Walmart?

While the short answer is "Not exactly", this article will explore some possible workarounds to make using Apple Pay a viable option. We'll examine the evolving landscape of digital payments to give you an overview of your choices for digital payments at Walmart, and figure out why Walmart would prefer you to pay through their own Walmart Pay app. Whether you're already an avid Apple enthusiast looking to streamline your checkout experience or a curious consumer exploring new ways to pay, Apple Pay has quickly become one of the most popular ways to pay at countless stores across the country, so a full understanding of Walmart's stance on Apple Pay could save you some unwelcome frustration come checkout time.

Join us as we dive deep into the exciting realm of payment options, uncovering everything you need to know about Walmart's approach to Apple Pay. From understanding their dedication to their Walmart Pay app to discovering insider tips for maximizing your shopping experience, we're here to empower you with the knowledge and insights to shop smarter and more efficiently. So let's go ahead and demystify the world of Walmart and Apple Pay.

Walmart's Stance on Apple Pay in 2025

The bad news needs to be restated upfront: If all you need to know is "Can I use Apple Pay at Walmart," the answer is still a resounding no in 2025. Despite Apple Pay being accepted at over 85% of U.S. retailers, Walmart remains a notable holdout. At least not in the simple, no-fuss manner you've come to expect at other retailers. Heading to the self-checkout and attempting to use Apple Pay directly will likely result in a frustrated cashier, or at least an uncooperative checkout kiosk. Do other stores that use contactless payment have a better customer experience? Walmart's customer satisfaction scores related to payment methods have hovered around 4.2/5 on average over the last quarter, which raises the question. They're one of the few major stores to abstain from allowing it, and here's why.

So: why doesn't Walmart take Apple Pay? The key reason is that Walmart has its own digital payment platform, the Walmart Pay app. Launched in 2016, this app, available on both iOS and Android, has been downloaded by over 50 million users. It stores your debit cards, credit cards, and Walmart gift card information, plus it offers access to e-receipts for straightforward returns. Walmart reports that users who utilize this method return to shop over 3 times, suggesting that they appreciate using this method. It presents a range of options for paying with your phone in-store and at Walmart gas locations, but crucially, those options are all channeled through the Walmart Pay app, not directly. The Walmart Pay app works by scanning QR codes displayed on checkout PIN pads, rather than utilizing near-field communication (NFC) like Apple Pay and other mobile payment solutions. The average transaction time with Walmart Pay is approximately 12 seconds. Customer financial information remains securely within the app; the scan simply signals payment approval. Is it as efficient as the tap to pay function, which averages 8 seconds for example?

This approach ideally serves several purposes for both Walmart and the customer (at least, Walmart hopes so). First, they claim it keeps customers' payment details more secure. (The app uses Secure Sockets Layer (SSL) encryption, like many trusted online stores. Walmart adds that they maintain "several layers of security" and continually update their security methods.) Your debit card with Walmart pay gains an extra measure. Unlike Apple Pay which uses tokenization and biometric authentication, Walmart Pay uses a QR code system. Transaction data is logged in the app, so receipts are easily accessible. Walmart also says that Pay protects customer data in alignment with industry standards, however many security experts continue to prefer tap to pay systems for not being a target for malicious actors. And importantly, Walmart avoids those third-party fees that come with services like Apple Pay, which could mean slightly lower prices. It is estimated that Walmart saves millions annually by avoiding these fees. Also, a customer should find convenience with the payment options, although that's subjective. Finally, it means the company can easily track consumer spending patterns and behavior, which means they should be able to present customers with an improved shopping experience (though it probably just adds another name to the list of things keeping an eye on your digital footprint these days... Brr.). To what extent can customers adjust their consent preferences on these programs?

The Workaround: Using Apple Card with Walmart Pay

Now for some good news! If you're absolutely determined to use your Apple Card for your Walmart purchases in 2025, even though Walmart won't directly accept Apple Pay, a workaround does exist. This method gives access to an additional means of customer experience. It's not as seamless as tapping your phone and strolling out, but it gets the job done and allows you to use those cashback rewards. It involves a slight trick! You will simply need to add your Apple Card details into the Walmart Pay app, and then you can proceed to use it like any other accepted payment option. Could someone argue that this means the answer to "Can you use Apple Pay at Walmart?" is technically "yes"? Sure. But again, there are qualifiers and you have to ask yourself if the depot price is high enough for it to work.

Essentially, you're not directly using Apple Pay and its NFC technology; you're using your Apple Card information through Walmart Pay's QR code system. Semantics? Maybe. But it's an important distinction, one that dictates consent preferences and user experience. This method requires you to trust a few different systems.

To make this even more difficult, one has to now start and perform certain task on your own. Some customers also have reported difficulties with this process, such as some difficulties scanning the bar. However, these are generally addressed with some quick updates.

To get started, our step-by-step guide on how to use your Apple Card at Walmart via the Walmart Pay app (in 2025) goes as follows:

1. Download and Install the Walmart App: You can find it in the App Store (iOS) or Google Play Store (Android). Make sure you're downloading the official Walmart app, as there are imitation apps out there, so always be safe when downloading a new product! There's a QR code on this page that should take care of that for you.
2. Sign In or Create an Account: If you already have a Walmart.com account, sign in. If not, you'll need to create a new one. You will not be able to continue this payment method without having one. This is essential for using Walmart Pay to pay by bank.
3. Navigate to the Wallet: In the Walmart app, navigate to the "Account" tab (usually in the bottom right-hand corner). Select the "Wallet" option to manage your payment methods. As of 2025, this section is also labeled "Walmart Pay".
4. Add Your Apple Card: Use the "Add a new payment method" option. When prompted for the payment type, choose the "Credit/Debit Card" option.
5. Enter Apple Card Details: Here's the key: Enter your Apple Card details exactly as they appear on your card (or in your Apple Wallet). This includes the card number, expiration date, security code (CVV), and billing address. The app may ask if you want to scan the card using your phone's camera; this is a quicker option, but double-check that all the information is correct after scanning.
6. Buy Things!: Go to Walmart and attempt to buy things! This can be in person at the self checkout or at the Walmart gas locations. We'll leave the contents of your basket up to you, that's really none of our concern. When prompted for payment by the cashier or at the self-checkout machine, choose "Walmart Pay" and select your Apple Card from the list of payment methods. Make sure this works! This is how Walmart and Apple Pay (sort of) can be made to play nicely together. It's a process, and you must trust it.

It is important to note that this workaround may not be permanent, as Walmart could change its policies in the future. It is recommended to review consent preferences and other ways for savings. Always use the most up-to-date information and resources for the best consumer experience. Also remember to reorder as needed.

Accepted Payment Methods at Walmart

The payment options at Walmart certainly don't start and end with that slightly convoluted process of making Walmart sort-of accept Apple Pay. That would be a terrible business model, almost on par with only accepting disgraced digital NFT apes as payment, which I'm sure some store has tried at least once. So instead of dwelling on "Why doesn't Walmart take Apple Pay?", and then finding out that after a little tinkering, it can be done, let's spend some time exploring the full range of payment methods you can use at Walmart in 2025, and whether that's the best deal (maybe a Walmart moneycard would be better in the long run).

• Cash: Cold, hard cash will never entirely go out of style. Of course, they said that about NFT apes, too... and now look at them. But legal tender is legal until declared otherwise and remains a perfectly valid way of satisfying Walmart's eminently reasonable demand that you pay for your goods in-store. You can even use cash at the self-checkout kiosks, although for larger purchases, counting out all those bills can be a bit of a pain. Unfortunately, this option does not come with consent preferences.

• EBT Cards: Customers in participating states can use EBT cards to pay for eligible items with SNAP benefits. This is a crucial service for many families, providing access to essential groceries. EBT card transactions are processed seamlessly at both traditional checkout lanes and self-checkout kiosks. EBT transactions do not qualify for Walmart Pay.
• Debit and Credit Cards: Some might consider this stating the obvious, but in today's world, the obvious often needs repeating. Debit and credit cards can be used to pay for things, both in-store and online. Walmart accepts all major card networks, including Visa, Mastercard, American Express, and Discover. Note that you can store your debit and credit card information securely within the Walmart Pay app for faster checkout.
• Gift Cards: Walmart gift cards aren't just pretty pictures with some numbers on them - they're a big part of Walmart's payment ecosystem and can be used both in-store and online. Load them into your Walmart Pay wallet for effortless redemption! Gift cards can make for a convenient and thoughtful gift and are available in a wide range of denominations. Although once they're used up, they are just pretty pictures with some numbers on them, so beware. Of that. Unfortunately gift cards can not be added to a Google or Apple pay option.
• PayPal: The popular online payment service can be used for both online and select in-store purchases. When shopping online at Walmart.com, you can easily select PayPal as your payment method at checkout. Be advised that in store Walmart Pay is generally preferred over PayPal.
• Affirm: Need to finance a larger purchase over time? Eligible items can be financed over time using Affirm, allowing you to pay in fixed monthly installments. This is a great option for big-ticket items like electronics or furniture. Please also check consent preferences. Get more info on Affirm here, and read more about Walmart's layaway policy here.
• Refund Credit: If you've been awarded a credit from a refund or return, you can put it toward any purchase at Walmart. This refund credit can be easily applied during online checkout or presented to the cashier in-store. This is a convenient way to use any remaining balance from a previous return.
• Capital One Walmart Rewards Credit Cards: This broadly falls under the "of course credit cards can be used to buy things" explanation above, but this Walmart credit card gives 5% cashback at Walmart.com (including curbside pickup and delivery), 2% cashback in Walmart stores and fuel stations, as well as at restaurants and on travel, and 1% cashback everywhere else Mastercard is accepted. Plus, for the first 12 months, new cardholders often receive an elevated rewards rate for purchases made through Walmart Pay! For additional support, check their contact services.
• Benefit Cards for Eligible Items: Certain benefit cards, such as those for health and wellness programs, can be used for qualifying purchases at Walmart. The specific eligibility requirements vary depending on the card and the program.
• Health Spending Accounts (HSA) or Flexible Spending Accounts (FSA) Cards: For certain eligible health-related purchases, such as over-the-counter medications or medical supplies, these cards can be used. Simply present your HSA/FSA card at checkout, and the cashier will process the transaction. Check consent preferences for this type of program.
• Pay by Bank: Connect your bank account to Walmart by signing into your online banking and conveniently pay at checkout. A quick and efficient process.

It's important to always check Walmart's website for the most up-to-date information on accepted payment methods, as policies can change.

Because of their push to unify their digital wallet payments under Walmart Pay, other services like Google Wallet (especially ones that use NFC technology) are not accepted at Walmart. But remember: cash is! Good old cash. Overdue for a comeback.

Consumer Responses and Market Impact: Is Walmart's Stance on Apple Pay Hurting Them?

It's no secret that customers often struggle to understand Walmart's steadfast refusal to accept Apple Pay directly (without requiring the Walmart Pay workaround), especially when the vast majority of other major retailers accept it without question. This has been a source of confusion and frustration for many shoppers. Some have even gone viral on TikTok for expressing their disbelief and annoyance with Walmart's policy (which, admittedly, seems like a bit of an overreaction... but who am I to judge the internet?).

The topic is also frequently discussed on online forums like Reddit, where users share their own workarounds, vent their frustrations, and debate the merits of Walmart Pay versus Apple Pay. Some users have reported using the cash back app Ibotta as another unofficial way to get around Walmart's Apple Pay complications and continue to find the best money saving practices. (This can add extra cashback earnings to the 2% cashback you get with any Apple Card payment at Walmart, although I haven't personally used Ibotta, so this isn't an official endorsement). Even Layla mentioned, as the best method. However there are also comments from certain users discussing transaction data from each of the services. This is important to follow consent preferences.

But does this policy actually affect Walmart's overall standing in the market? It's a complex question, and difficult to quantify precisely. On the one hand, it's hard to imagine that such an established retail giant could feel a significant impact from a single point of friction like this. Walmart's brand recognition, vast selection, and generally competitive prices give it a considerable buffer. Also they are performing certain practices so that they are able to keep their low prices, such as not providing certain opportunities for their customers to engage directly. However, it's also true that in today's rapidly-changing world, even established behemoths need to stay on top of market trends. Walmart's stubbornness regarding Apple Pay might be alienating some younger, tech-savvy shoppers, or those who highly value convenience and seamlessness.

Their decision to stick with their Walmart Pay app undoubtedly gives them certain advantages – control over transaction data, reduced fees, and the ability to promote their own services. These advantages might outweigh the benefits of affording their customers the simple convenience of using Apple Pay at Walmart directly. However, the question remains: At what cost? Customers have definitely voiced their objections online, and in an increasingly competitive retail landscape, even small points of friction can add up.

For now, Walmart's strong market positioning is probably not in immediate danger. Also you might find a decent depot price on these goods. And realistically, using Walmart Pay isn't so much more inconvenient. It's just... another app to download. Another account to create. Another QR code to scan. And sometimes, that's enough to send a shopper to Target or any of the other retailers who happily accept Apple Pay with a tap.

Comparison with Other Retailers

One reason Walmart might consider accepting Apple Pay in the future is that, broadly, they're out of step with the vast majority of retailers at this point. Apple claims that Apple Pay is accepted at over 90% of retailers in the US, and can be used everywhere from vending machines and grocery stores to taxis and subway stations. If anything the COVID-19 crisis only accelerated this widespread adoption of contactless payment methods. It's certainly valid to wonder why Walmart stubbornly refuses to take Apple Pay directly, when major competitors like Target, Best Buy, CVS, Staples, Lowe's, and Kohl's all readily accept it at their checkout kiosks, not to mention fast-food giants like McDonald's, Chick-fil-A, Wendy's (surge pricing or not!), and Burger King. You almost might start think that Walmart is performing certain actions to limit opportunities for growth.

However, it's also important to remember that Walmart isn't the only holdout in the world of retail. Home Depot, for example, has a long-standing partnership with PayPal and doesn't accept either Apple Pay or Google Wallet. While precise figures are difficult to obtain, it is thought that Arby's, Applebees, and Hobby Lobby also still don't accept Apple Pay as of June 2025. Do they also have a Walmart moneycard? Are there similar savings to that?

The interesting case study is Kroger. Kroger used to have a policy remarkably similar to Walmart's, even having their own Kroger Pay app as an alternative. However, in recent years, reports have emerged that they would gradually begin accepting Apple Pay in its stores. This could signal a potential shift in strategy for other large retailers who have been hesitant to embrace Apple Pay. Have they seen additional customer revenue, have they had new consent preferences signed? This will need to be tracked to be seen over time. However there also also be a low price and they wanted to reach more customers at all costs.

It is also important to remember location for these issues. For example, the Home Depot Canada offers price matches if there is certain issues, but for a large and ever changing market, its hard to pin down a singular strategy.

Future of Digital Payments at Walmart

As of 2025, analysts seem reasonably convinced that Walmart's decision to process all digital payments through their Walmart Pay app will remain their policy for the foreseeable future. This is even as they offer their Walmart+ members digital conveniences like Scan and Go, which allows you to ring up items with your phone as you shop, then pay by scanning a QR code on a self-checkout display. Walmart's Apple Pay policy is here to stay for now, but as ever, a slightly lower-than-expected number on a quarterly report could change everything at a moment's notice, so keep your eyes peeled for any updates on this matter.

So for now, the answer to the question "Can you use Apple Pay at Walmart?" is a qualified "No". They prefer to funnel you through the Walmart Pay app, which brings its own conveniences and drawbacks for the customer. It could be seen to be an attempt to keep prices down, an attempt to keep more secure control over their payment processes, or both. In any case, we've detailed the available workaround above, and by using this, you have a roundabout way of using Apple Pay at Walmart, albeit with the added step of using their app. Whether or not the process gets streamlined in the future, you have at least one method to make Walmart accept Apple Pay.

However, keep in mind shopping in store at Walmart is just a start for some options, like shopping online that allow a more thorough price-comparison process for more considered purchases. To see the full details, you can check for more details from Layla. Walmart may have great deals on many items, but it's always worth checking competitors like Target and Amazon to make sure you're getting the most bang for your buck on your purchases, especially if certain rules prevent you from getting them. And while you may have to pay for delivery (on orders under $35, at least), you do avoid having to leave your sofa and make eye contact with other people, which we always heartily recommend.

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