Apple Pay is the future of payments, according to Apple. The innovative payment solution has been adopted by major banks, merchants, and credit card companies — and it’s only going to get bigger.
Apple Pay offers a way for consumers to make purchases in a secure and contactless fashion.
With just one touch of an iPhone or a wrist on the Apple Watch, users can complete purchases without having to swipe their cards or hand over cash.
Instead, purchases are made through Near Field Communication (NFC) technology that transmits payment data between an Apple device and a contactless payment terminal at the point of sale.
The service also stores information about your credit cards in Apple’s iCloud service so you can easily use them for payments with your iPhone or iPad or on the web through Safari on Mac computers.
But does Walmart take Apple Pay like thousands of other companies? Here is what you need to know!
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Does Walmart Take Apple Pay In 2022?
The short answer is no. Walmart doesn’t take Apple Pay at their in-store checkout lines or on their website.
Walmart accepts credit cards, debit cards, and gift cards from Visa, Mastercard, American Express, and Discover.
The reason? It’s all about the fees. When a store accepts Apple Pay, it has to pay a small percentage of each transaction as a processing fee.
These fees are part of a credit card company’s business model — when you use your credit card to make a purchase, the store pays the credit card company money to process that transaction.
How to Pay With iPhone at Walmart Using Walmart Pay?
The big-box retailer has its own answer to Apple Pay. If you want to pay for your purchases at Walmart with your iPhone, you’ll need to download the Walmart Pay app.
The retailer doesn’t currently support any mobile payment services, including Apple Pay and Android Pay.
Instead, Walmart developed its own mobile payment system that works with most smartphones.
To use Walmart Pay, download the free app from Google Play or the App Store. Next, sign in with your Walmart account information or create an account if you don’t have one already.
The app will then walk you through setting up your digital wallet.
Once you’ve set up the app, use it to scan a QR code displayed on the credit card reader at checkout.
That will link your phone’s payment system to the transaction so that you can authorize purchases with your phone’s camera without having to pull out your credit card.
Why Doesn’t Walmart Accept Apple Pay?
Walmart is one of the most popular retailers in the world and it has avoided accepting Apple Pay for a number of years.
There are several reasons why Walmart doesn’t accept Apple Pay, but the main reason is that Walmart wants to keep its customers using Walmart Pay.
When you use Apple Pay, Walmart doesn’t get any of your personal information like it does when you use its own payment system.
So, Walmart stays away from Apple Pay and other services like Android Pay because it wants to make sure that it gets as much information about shoppers as possible.
Walmart has been pushing its own mobile payment system, Walmart Pay. The service allows customers to make in-store purchases through its app and works with any major credit, debit, pre-paid, or Walmart gift card.
The app will even automatically add loyalty cards and coupons to purchases, though current rewards can’t be used to pay for items.
While Walmart has traditionally avoided adopting new technologies until they become standard practices, it rolled out Walmart Pay in 2015 after observing the success of Apple Pay and similar services like Google Wallet and Samsung Pay.
At the time of publication, there are no official plans for Walmart to accept Apple Pay in the future.
Walmart does not accept Apple Pay because it doesn’t want to give up the fees they charge for credit card transactions.
Walmart may also just not want to deal with the hassle of implementing Apple Pay at all of its locations.
Adding support for a new system requires training and additional equipment, which can be expensive and time-consuming.
Will Walmart Ever Get Apple Pay?
Despite pressure from customers and competition from other mobile payment solutions, Walmart has already said that it has no plans to integrate Apple Pay at its stores in the near future.
Clearly, there’s a lot at stake for Walmart, and the company doesn’t want to give up any of its market share to rivals like Best Buy or Target.
But can it hold out much longer?
What Stores Do Accept Apple Pay?
There’s a good chance Apple Pay will soon be accepted at your favorite retailers.
Here’s a quick rundown of which companies accept Apple Pay, and which ones are expected to support the mobile payments service in the future.
Where You Can Currently Use Apple Pay? Apple Pay is currently accepted at more than 2 million stores.
In addition to supporting Apple Pay in their iOS apps, the following companies accept Apple Pay in their retail stores:
- Food Maxx
- Shop N Save
- Save Mart
- Winn Dixie
- Acme Markets
- Whole Foods Market
- Super Valu
Download the Walmart App on Your iPhone
If you don’t already have the Walmart app, take these steps to get it so you can start using your iPhone to pay at checkout.
- Go to the Apple App Store on your iPhone and search for Walmart Pay.
- Choose the Walmart Pay App and start the download procedure.
- Open the app when it has been downloaded and navigate to the Services section.
- Tap on Walmart Pay > Set Up Walmart Pay
- Follow the simple procedures on the page to register any card or cards you want to use to make Walmart purchases.
- To pay for your purchases at the register, simply scan the QR code.
Why Is Using Apple Pay So Beneficial?
Convenience is the biggest benefit that Apple Pay offers users. When you use your iPhone to pay, you won’t need to pull out your wallet and retrieve a card.
Instead, you can simply hold near the credit card terminal and place your finger on Touch ID.
The second most significant benefit that Apple Pay offers is its security. When you use Apple Pay in an app or online, payment information isn’t shared with the merchant.
Instead, a device-specific transaction code is created.
Apple Pay also offers a private way to pay since no card numbers are actually used.
It also doesn’t store purchase history on your device or Apple servers, so if your phone is lost or stolen you won’t have to worry about whoever finds it accessing your payment information.