How Does Walmart Pay Work

What is Walmart pay all about and how does it work? Walmart is one of the best and largest retailers of home goods and groceries in the USA. It sells amazing products at affordable prices. In recent times, Walmart announced to its consumers that they can now use a payment service called Walmart Pay to make purchases in-store.

How Does Walmart Pay Work

So as the retailer customer, you may be wondering and searching around for what exactly Walmart pay is all about and how it works. This article is everything I have found through my research from experts. Read on to get the answers to your “How does Walmart pay work” questions.

What is Walmart Pay?

Walmart Pay is a digital wallet that is a big part of the Walmart mobile app and can be used to make contactless payments at Walmart stores. It is the retailer’s addition to the boosting mobile payment market.

Just like Apple Pay, Samsung Pay, and other popular mobile wallets, Walmart Pay allows you to link your debit, credit, and gift cards to your smartphone and use it to pay at checkout.

While other mobile wallets are accepted at different stores, gas stations, and vending machines, Walmart pay is only accepted at Walmart.

To get started with it, just download the Walmart app from Google Play or the IOS app store and sign in to your Walmart account.

If you don’t have an account, you can quickly set up an account within the app. From there you can link it to your credit card, debit card, or Walmart gift card to make payment.

How does Walmart Pay Work – Features?

It is well known that Walmart does not offer Google Pay or Apple Pay in their store. So, in place of these payment services, it integrated a mobile payment option into the Walmart app. This digital payment method will make the shopping experience very easy.

Because you can easily link your payment method to your mobile device and scan it at the checkout to pay. It helps to avoid carrying your wallet full of cards.

Also, if your card gives you trouble at the register all the time. All you just need to do is enter your credit card number manually into Walmart Pay and have a smooth checkout. Walmart Pay has an amazing ability to save receipts inside the Walmart app.

This makes it very easy for shoppers to track their spending and return items. In addition, if you have a Capital One Walmart Rewards Mastercard, you can enjoy bonus cash back for the first 12 months you make use of Walmart pay.

How to Set up Walmart Pay

Setting up Walmart Pay is very easy and should only take a few minutes. All you need is a Walmart app, an account, and the card you want to link to the Walmart app.

Just so you know, Walmart Pay cannot be linked directly to a bank account. Here is the step to set up Walmart pay;

  • Download the Walmart app from the Google Play Store or App Store.
  • Launch the app and click on the “Services” Menu.
  • Tap the “Walmart pay” option.
  • Follow the onscreen instructions to get started.
  • Sign in to your Walmart account or create a new one as a new user.
  • Add the payment method options – debit cards, credit cards, or gift cards.
  • Enter the required information and follow the on-screen prompt to continue.
  • Wait for the setup to be confirmed.
  • Click “Got it” to continue.

Now, your Walmart pay is ready to use. You can now make use of it at the retailer’s store without carrying a wallet.

How to Add a Card to Walmart Pay

You can add a new credit, debit, or gift card to the wallet. Just follow the below steps to get the process done easily.

  • Open the Walmart app and sign in.
  • Navigate to the Walmart pay section.
  • Click on the Debit or credit card option.
  • Make use of your phone camera to capture the card information. Or just enter it manually by choosing “Type card info instead”.
  • Put down your name, security code, address, and other important information, and click on “Continue”.
  • Create a PIN for security purposes. Or make use of your biometric ID to access your payment option.

If you want to add more cards, you can do that easily by tapping “Add a payment method” and repeating the same steps.

How to Use Walmart Pay

Once the items you want to purchase are scanned at the checkout register, you can make use of this Walmart pay as a contactless payment method for associated assisted checkout and self-checkout.

Make use of the Walmart Pay QR on the card reader screen or kiosk display screen to connect your mobile wallet and process your payment. You will have to provide your phone security PIN or biometric ID that you use to unlock your smartphone.

When the transaction is complete, a notification sound will display on the screen, you will get a receipt in your Walmart application.


What is the Difference Between Walmart Pay and the Walmart App

The difference between the two can be very confusing. However, you need to know that Walmart Pay lives inside the Walmart app and it is just one tool included in the app. You won’t find a standalone Walmart pay application in the Google Play Store or App Store.

The main difference between these two is that Walmart Pay is a mobile wallet that talks all about payment information. While the Walmart app is all about the online shopping experience.

Is It Safe to Use Walmart Pay?

Like other mobile wallets like Apple Pay, Samsung Pay, and Google Pay, this Walmart payment option is completely safe to use. It has different layers of security to protect your payment info and personal details. So, you can use it without worries and safely.

Can I use Walmart Pay Online?

No, you cannot use it to shop online. Because you will need to scan the mobile wallet QR code to complete the payments. Instead, you will have to use the linked debit, credit, or gift card.

Can you Use Walmart Pay at Self-Checkout?

It works at both self-checkout and staffed registers. You can use it at any point in the transaction – While, before, and after you scan your items at the store.

Can I Use Walmart Pay at Gas Stations?

Unfortunately, you cannot use Walmart Pay to buy gas. Since the payment option is not compatible with gas station purchases.  Also, you cannot use it to make at Sam’s Club or cover EBT, SNAP, or WIC purchases.

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This post is authored by Oghwie Ufuoma (Harrison) A.K.A Harry, the founder and Admin of With nearly a decade of expertise in the sports sector, Harry started with Sportspaedia, providing up-to-date information on sports and tech-related topics, breaking news, and daily opportunities for Football/Soccer fans and online users.


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