Does Walmart take Apple Pay? (Pay with your iPhone)

In the US, people make use of several types of payment methods to shop at their favorite retail stores like Walmart. And, Apple Pay is one such popular payment method in the country with millions of users.

So, it’s not uncommon to have this question on your mind: “Does Walmart take Apple Pay?”. Almost every iPhone user in the country might have got this question at least one time.

Let’s take a look at the payment methods that are accepted by Walmart and if Apple Pay is on the list!!

Does Walmart Take Apple Pay in 2021?

Currently, Walmart doesn’t accept Apple Pay as a payment method at its stores. This is because of the fact that the retailer has developed its own payment app i.e Walmart Pay. However, Walmart has made sure that it doesn’t disappoint all those Apple iPhone users by creating a way to take payments via iPhone but via its own app. In 2021, the accepted payment methods at Walmart are cash, PayPal, EBT, gift cards, Affirm, debit cards, and credit cards.

Take a quick look at the information provided below in order to know the reason why Apple Pay cannot be used at Walmart and also the steps you can follow to pay with your iPhone at a Walmart near you!

Why Walmart doesn’t have Apple Pay?

There are two reasons why Apple Pay is not available at Walmart yet –

This MCX group was formed in 2012 and includes retail giants such as Target, Kmart, and other popular companies along with Walmart to develop an alternative payment system that competes with traditional payment methods.

In 2012, this payment system was named CurrentC, and it’s a mobile app that users can use to pay for purchases at participating stores.

The goal of the project was to make shopping easier for consumers by allowing them to bypass cashiers and save time with their smartphones.

Unfortunately, the CurrentC app developed by MCX was deactivated in 2016 due to security issues.

How to pay with iPhone at Walmart?

Walmart not taking Apple Pay doesn’t mean that the retailer is not letting its customers pay with their iPhones. Here, Walmart is clearly promoting its Walmart Pay app to all Apple Pay users.

You are allowed to use your iPhone at Walmart stores but through Walmart Pay. Let’s take a look at the steps that you need to follow to do so.

To pay with iPhone at Walmart using Walmart Pay –

  1. On your iPhone, open Apple Store
  2. Download & Install the Walmart Pay app
  3. Launch the app
  4. Create an account if you don’t have one
  5. Go to the Account section
  6. Tap on the Payment Methods option
  7. Tap on the + button
  8. Add your credit or debit card
  9. Go shopping at a Walmart as usual
  10. Walk to the Self-checkout machine
  11. Scan the items you want to buy
  12. Tap on the Pay button on the machine
  13. A Walmart Pay QR Code will be shown
  14. Now, open the app on your iPhone
  15. Enter your Walmart PIN to verify
  16. Tap on the Scan Codes option
  17. Point your iPhone camera at the code
  18. Follow the on-screen prompts
  19. Complete the purchase with your card

The amount will be charged to the card that’s on your Walmart Pay account. That’s it! This is how one can make use of Apple iPhone to pay at a Walmart store using the Walmart Pay app.

How do you use Apple Pay at Walmart?

Unfortunately, you cannot use Apple Pay at Walmart in 2021. I don’t know whether Walmart is going to take Apple Pay in the near future. As of now, many of its competitors started accepting this payment method and I wish Walmart does the same.

Follow the simple steps mentioned in this video by Tech Insider –

The video above helps you get started with the Walmart Pay app. There is also a mention of the steps to follow on a smartphone (iPhone or Android) in order to pay at Walmart.

Is Walmart pay like Apple Pay?

No, Walmart Pay is not the same as Apple Pay even though they are payment apps basically. This is because of the acceptance & wide reach of these two apps.

Apple Pay is used by millions of people in the United States and so, it is accepted almost everywhere including retail stores, gas stations, restaurants, etc.

On the other hand, Walmart Pay is not accepted everywhere. Being the official payment app of Walmart, Walmart Pay is taken at all Walmart stores in the country, unlike Apple Pay.

But, here comes the major difference between Walmart Pay and Apple Pay. You cannot use Walmart Pay at gas pumps including Murphy Gas Stations.

Another difference is that you cannot add a bank account to your Walmart Pay app whereas it’s possible with Apple Wallet.

What payment methods does Walmart take?

Walmart accepts these payment methods in 2021 –

  • Credit Cards
  • Debit Cards
  • EBT Card
  • Walmart Pay
  • Affirm
  • PayPal
  • Walmart Credit Cards
  • Gift Cards

These payment methods are taken at Walmart currently. If you are an EBT card user, it’s important to note that Walmart stores in Montana, Alaska, and Louisiana states don’t accept that payment method.

Alternatives to Apple Pay to use at Walmart

Using gift cards to pay at Walmart: If you have a Walmart gift card, you can add it to your Walmart Pay account and use the balance on it to pay at a store near you.

Using Affirm to pay at Walmart: If you are looking to buy now and pay later, the best payment method you have is Affirm. With the Affirm app, you can check out at Walmart online & offline (i.e. in-store) just as you would do if Apple Pay is accepted. In order to pay with Affirm instead of Apple Pay at Walmart, go to on your browser >> see if you prequalify for a loan >> select a payment term >> take your single-use barcode >> use it at Walmart checkout >> pay later online at

Using PayPal to pay at Walmart: PayPal is a great alternative to Apple Pay to pay at Walmart. In order to use PayPal, simply swipe your PayPal debit card during the checkout process at Walmart. Or you can also link your card to Walmart Pay and scan the QR code to make the payment.

Pay with credit cards instead of Apple Pay: Sometimes going the traditional way is simple & easy rather than trying to use digital wallets & apps like Apple Pay, Google Pay, and Samsung Pay. Because, these three apps will be rejected at checkout at Walmart right away. Walmart accepts all major credit cards including Visa, American Express, Discover, and MasterCard.

Conclusion: Does Walmart accept Apple Pay?

Walmart doesn’t take Apple Pay even in 2021. Maybe the company just wants to keep promoting its mobile payment app – Walmart Pay rather than giving the convenience Apple Pay users want. As of now, Walmart doesn’t accept Apple Pay, Samsung Pay, and Google Pay as payment methods. However, you can use PayPal, credit card, debit card, EBT, Affirm, Walmart Pay, and gift cards to pay at Walmart.

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