Why Walmart Has Its Own Mobile Payment System Instead of Apple Pay

Have you ever been surprised to find out that Apple Pay is not accepted at Walmart? In a world where mobile payment options are becoming increasingly popular, it’s interesting to explore why Walmart has its own mobile payment system instead of accepting Apple Pay. Let’s delve into the reasons behind this decision and understand how Walmart’s payment options work.

Walmart’s Concerns with Apple Pay

One of the main reasons why Walmart doesn’t accept Apple Pay is the associated fees. When customers use Apple Pay to make a purchase, Apple charges a fee to the retailer for the transaction. This fee, usually a percentage of the transaction amount, can quickly add up for retailers with high transaction volumes. To avoid these fees, Walmart developed its own mobile payment system called Walmart Pay, which doesn’t charge any fees to retailers.

Another reason why Walmart has chosen to steer clear of Apple Pay is its involvement in a consortium of retailers working on their own mobile payment system called CurrentC. Unlike Apple Pay, CurrentC is designed to work with a wide range of smartphones and offers more features. However, CurrentC has faced setbacks and delays, making its future adoption uncertain.

Overview of Walmart Payment Options

Walmart provides customers with various payment options to choose from, including Walmart Pay and other traditional methods. Let’s take a closer look at each of these options.

Walmart Pay

Walmart Pay is Walmart’s own mobile payment system, available on both Android and iOS devices. It offers a convenient and easy-to-use payment method. To use Walmart Pay, simply open the Walmart app on your mobile device, tap on Walmart Pay, scan the QR code at the register, and your payment will be processed automatically. Walmart Pay accepts credit and debit cards as payment methods and even allows you to store your receipts within the app for later access.

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Other Payment Options

In addition to Walmart Pay, Walmart accepts other payment options such as major credit cards, including Visa, Mastercard, American Express, and Discover. They also accept cash payments, personal checks, cashier’s checks, and money orders. However, it’s worth noting that Walmart currently does not accept mobile payment systems like Apple Pay, Google Pay, or Samsung Pay. Instead, they strongly encourage customers to use Walmart Pay.

Why Walmart Prefers Walmart Pay over Apple Pay

If you’re wondering why Walmart doesn’t support Apple Pay, the answer is simple: Walmart believes its own mobile payment system, Walmart Pay, is a better alternative. Walmart Pay offers a secure and convenient way to make payments using your smartphone. By linking your credit or debit card to the Walmart app, you can easily pay for your purchases at any Walmart store. Walmart Pay uses QR codes to complete transactions, distinguishing it from the NFC technology used by Apple Pay.

Walmart has been actively promoting Walmart Pay as a means to offer customers more convenience and control over their shopping experiences. They believe that Walmart Pay provides more features and benefits compared to Apple Pay.

Alternative Mobile Payment Options at Walmart

If you’re an iPhone user and still want to make payments at Walmart, don’t worry! Walmart accepts all major credit and debit cards, including Visa, Mastercard, American Express, and Discover. Additionally, you can use other mobile payment systems like Google Pay or Samsung Pay.

Comparison of Walmart Payment Options

To better understand the differences in payment options, let’s compare Walmart Pay, credit cards, and debit cards in terms of fees and prices, convenience, and accessibility.

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Fees and Prices

Walmart Pay is a free payment option, and there are no additional fees for using credit or debit cards. However, keep in mind that credit card companies may charge interest on unpaid balances, and certain debit cards may have monthly or transaction fees. If you want to save on groceries, Walmart Plus offers a membership program with perks like free delivery and fuel discounts for a monthly or yearly fee.


Walmart Pay allows you to pay with your phone, eliminating the need to carry cash or cards. You can also store your credit and debit cards in the app, making checkout quicker and easier. Walmart Plus members can even use Scan & Go, which lets you scan items as you shop and pay through the app, bypassing the checkout line entirely.


Walmart Pay and credit/debit cards are widely accepted and accessible payment options. However, note that Walmart Pay requires a smartphone and an internet connection, which may not be available to everyone. If you’re looking for a payment option that doesn’t require a smartphone or internet connection, debit cards are a great choice. Additionally, Walmart offers cash back on debit card purchases, providing a convenient way to access cash.

The History of Walmart Payment Options

Walmart has always been at the forefront of innovation when it comes to payment options. Over the years, the company has experimented with various methods to make the checkout process faster and more convenient for customers.

One notable endeavor was Walmart’s collaboration with other major retailers to form the Merchant Customer Exchange (MCX) in 2012. They aimed to create a mobile payment system called CurrentC, competing with Apple Pay and Google Wallet. However, CurrentC faced issues like security concerns and limited acceptance, making it less convenient than other options.

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In 2015, Walmart introduced its own mobile payment system, Walmart Pay. Unlike CurrentC, Walmart Pay was designed exclusively for Walmart stores, ensuring convenience for customers. By using QR codes, customers can complete transactions by scanning a code at the checkout. The app even allows users to store receipts and track their purchases, making budgeting and expense tracking easier.

Despite the rise of other mobile payment options, Walmart Pay has remained a popular choice among Walmart customers. Today, Walmart Pay is accepted in all Walmart stores across the United States, providing a reliable and convenient payment option for millions of shoppers.

Key Takeaways

If you’re an Apple Pay user disappointed by Walmart’s lack of support, remember these key takeaways:

  • Walmart doesn’t accept Apple Pay due to the associated fees and their commitment to keeping prices low.
  • Walmart Pay is Walmart’s own mobile payment system and is available in all Walmart stores across the United States.
  • Other major retailers, such as The Home Depot, Lowe’s, and Kroger, have also developed their own mobile payment services instead of accepting Apple Pay.
  • Remember, there are other options available! Walmart Pay is secure and convenient, and there may be other mobile payment solutions developed by retailers in the future.

Ultimately, Walmart’s goal is to provide customers with various payment options that suit their needs. Whether you prefer the convenience of Walmart Pay or the accessibility of traditional payment methods, Walmart has you covered.