Does Walmart Take Apple Pay Online Or In-Store In 2023?

Does Walmart Take Apple Pay Online Or In-Store In 2023

Outside of China, Apple Pay is one of the giants in the field of mobile payments. So it is very natural for one to assume that the most popular store in America would accept payments with Apple Pay.

Would you believe me if I said that wasn’t the case?

Sorry to disappoint you, but the biggest store in America has not yet adopted Apply Pay. In fact, you will be surprised to know that the retailer does not process any NFC transactions, so you can just cross out the option of contactless credit card payments along with Apple Pay too.

However, this does not apply if you are using Walmart’s own QR-operated Walmart Pay service.

This all may seem a bit confusing to you. So before you get more confused thinking, “does Walmart take Apple Pay?” or “why does Walmart not take Apple Pay?” let me just ease your worries.

In this article, I will explain well the relationship between the biggest retail store in America vs. the most popular payment method globally.


Does Walmart Take Apple Pay?

Does Walmart Take Apple Pay

To answer your question, No, Walmart doesn’t accept Apple Pay, be it in-store or online.

The reason?

Well popularly known as Walmart Pay.

Walmart Pay is the in-house payment service for the retail store, and it prefers that the customers would rather use it while paying at Walmart.

However, the major debit and credit cards, including MasterCard, American Express, Visa, and Discover, are accepted all throughout Walmart. It can also be additionally used with Walmart Gift Cards and PayPal Cash Cards, which makes it the easiest way to use virtual cash in-store.

But, you would be delighted to know that there is actually a trick using which you can use Apple Pay in Walmart. This trick will actually help you initiate the payment process with Apple Pay in a Walmart Store.

Though, you will not be holding the card over the card reader. Instead, you will have to use a cashback service known as Ibotta, which allows you to pay for items that are added to the application on your phone, which helps you earn rewards for every qualifying purchase.

However, this is not as easy as double-clicking your phone’s power button. There are a few steps that you need to follow in order to use the mentioned service.

Here are the steps that you need to follow to use Apple Pay as your payment gateway while shopping at Walmart.

  • Open the Ibotta App
  • Select Walmart from the list of retailers.
  • Next, select Pay with Ibotta.
  • Enter your checkout amount.
  • Choose Apple Pay as your payment method.
  • Confirm the purchase that you have made.
  • Finally, you will be shown a barcode, which in turn, you will have to show to the cashier or scan in order to complete the purchase.

Immediately after you make the payment, you will receive a 1% cash back reward for accessing Ibotta in Walmart, alongside any additional rewards that are included with your chosen payment method while purchasing with Apple Pay.

You may also pair this up with an Apple Card, for instance, which gives up to 3% in unlimited Daily Cash per purchase, with which almost 4% of your total cart value gets credited back to you because you can still get cashback with Apple Pay.

It might interest you to know specific offers in Ibotta which allow you to earn up to 30% cashback. For this, you will have to individually click on these offers, or else you will just receive the primary 1% cashback that you usually receive if you choose to Pay with Ibotta.

Why Does Walmart Not Have Apple Pay? 

Why Does Walmart Not Have Apple Pay

Now that I have talked a lot about why Walmart does not have Apple Pay, I think it is also important for you to know the reasons behind it as well.

To explain it further, there are three vital factors supporting Walmart’s decision not to accept Apple Pay.

Process Charges 

One of the most important reasons why Walmart doesn’t accept Apple Pay is its processing cost. There is, after all, a catch behind Apple’s claims that their payment service incurs zero cost.

On Apple’s behalf, the card issuer has to process the fees, i.eWalmart has to pay multiple processing costs on the basis of the card when used in a digital wallet. The processing fee can be rather expensive, depending on the card.

Walmart Pay

Walmart wants to push through its own mobile payment service Walmart Pay by neglecting all other digital payment operations.

Walmart Pay allows retailers to engage with customers, send in notifications and accept online payments.

Marketing Advantages

As an average consumer, this may seem very insignificant to us; however, Walmart escalates its brand recognition by offering new perimeters for the consumers to pay and connect with the business.

Eventually, it raises awareness of the brand alongside drawing more potential customers to the store.

Therefore allowing only Walmart Pay as a digital wallet is a thoughtful way to increase brand recognition.

You can only access Walmart Pay if you are a Walmart consumer, which is, in fact, a splendid step towards increasing brand loyalty.

How To Set Up Walmart Pay? 

How To Set Up Walmart Pay

“Does Walmart take Apple Pay?”- hopefully, by now, you know the answer to this and also the reason behind it.

Well, in that case, you know which is the best payment method if you are a regular buyer at Walmart.

Yes, it’s Walmart Pay.

If you do not have an account set up with Walmart Pay, here are the ways in which you can set it up:

  • Download the Walmart App and open it.
  • Go to the features list and choose Services.
  • Click on Walmart Pay.
  • Tap on Get Started.
  • Either sign in or create an account on
  • Choose your debit card or credit card.
  • Accept the terms and conditions.
  • Select Go To Walmart Pay.
  • Set a password
  • Use Walmart Pay for registration.

Advantages Of Apple Pay Or Other Digital-Based Payments

Advantages Of Apple Pay Or Other Digital-Based Payments

Whether you use Apple Pay or Walmart Pay, you definitely do it because of the advantages that it provides to you.

Here are some of the benefits that you get if you use Apple Pay or Walmart Pay based on your needs:

  • Simple to understand
  • Convenient to use
  • Ensures security
  • Not dependent on an internet connection
  • Protects user privacy

The Bottom Line 

This was all that I had to tell you regarding your question, “does Walmart take Apple Pay?”

But it is always advisable that you refer to the retailer’s personal website to get every other confusion of yours cleared out.

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Upasana is a budding journalist who has a keen interest in writing. She considers writing as therapeutic and is most confident when she writes. She is passionate about music, movies and fashion. She writes in a way that connects with the audience in a personal level. She is optimistic, fun loving and opinionated.


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