Does Walmart Take Apple Pay In 2023? Find Out Now

As of 2022, about 96% of Americans have cell phones, and 55% of those mobile devices are iPhones.

Many of those users select Apple Pay at over two million stores across the United States. But does Walmart take Apple Pay like thousands of other companies? Here is what we discovered!

Payments at most of the departmental stores in America are made through Apple Pay by a large number of iPhone users.

But does America’s most prominent store Walmart accept Apple Pay? Can you make your payments through Apple Pay at any Walmart store?

To know the answer, read the full article Does Walmart take Apple Pay?

Walmart is one of America’s best department stores, where you can buy groceries and other stuff at the best-discounted price.

But when it comes to payment, surprisingly, you cannot pay them digitally through your Apple Pay service. It is because Walmart accepts digital payments only through its Walmart Pay app and not through any other digital payment app all over the US.

So if you want to pay at Walmart digitally, you have to download their app, list your purchases there and then pay accordingly.

Now the question arises, unlike other departmental stores in the country, why does Walmart not accept digital payment via Apple Pay which most Americans use?

Secondly, how can one make payments at Walmart stores without using Apple Pay? 

Keep reading to find out.

What is Apple Pay?

Apple Pay is a contactless payment technology for Apple devices. It was designed to move consumers away from physical wallets into a world where your debit and credit cards are on your iPhone or Apple Watch, allowing you to pay using your device instead of a card.

Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari.

Basically, it is supported on the iPhone, Apple Watch, iPad, and Mac. It is not available on any client device that is not made and sold by Apple (in particular, it cannot be used on any Android device, nor on any browser running on Windows).

It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal.

Also, it does not require Apple Pay-specific contactless payment terminals; it can work with any merchant that accepts contactless payments. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode.

Devices wirelessly communicate with point-of-sale systems using near field communication (NFC), with an embedded secure element (eSE) to store payment data and perform cryptographic functions securely, and Apple’s Touch ID and Face ID for biometric authentication.

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History of Apple Pay

Originally launched in the United States, Apple Pay is available in Armenia, Australia, Bahrain, Brazil, Canada, China, Colombia, Costa Rica, Hong Kong, Israel, Japan, Kazakhstan, Macau, Mexico, New Zealand, Palestine, Qatar, Saudi Arabia, Singapore, South Africa, Taiwan, the United Arab Emirates, and in all countries of or with territories in Europe (except Albania, Andorra, Bosnia, and Herzegovina, Moldova, and Turkey).

Apple Pay supports both international payment schemes—such as American Express, Visa (including Electron and V Pay), Mastercard (including Maestro), and Discover—as well as country-specific domestic payment schemes like China’s UnionPay, Japan’s JCB, France’s Cartes Bancaires, Canada’s Interac, Australia’s eftpos, Saudi Arabia’s mada, Germany’s Girocard, and Russia’s Mir. Participating banks vary by region.

Apple Pay can also be used to ride some public transport networks. Either through the use of credit/debit cards (open loop). For example, across TfL in London, SL in Stockholm, and at OMNY readers across New York City’s subway and bus network). Our dedicated travel cards such as JR East’s Suica, the Chicago Transit Authority’s Ventra, the San Francisco Bay Area’s Clipper (closed loop), and Hong Kong’s Octopus Card.

Don’t Fail to Read: Does McDonald’s take Apple Pay? Get to know

How Does Apple Pay Work?

Apple Pay requires the Near Field Communication (NFC) antenna and Touch ID or Face ID on iPhone 6 and later. It will depend on your iPhone and how you launch Apple Pay. Each transaction has to be authorized by either Touch ID, Face ID, or your passcode.

For iPhones with Touch ID, double tap the Touch ID home button and keep your finger on it until your screen says “Hold Near Reader.” If your fingerprint isn’t recognized, you can choose the “Pay with Passcode” option.

For iPhones with Face ID, double press the sleep/wake button on the right-hand side of your iPhone to launch Apple Pay. Authorisation will then take place through Face ID, or you can choose the “Pay with Passcode” option if your face isn’t recognized. Once authorized, your screen will again say, “Hold Near Reader.”

Once your iPhone says hold, dear reader, you can place your iPhone near a contactless terminal, and a subtle vibration or a ping, if your phone isn’t on silent, confirms payment. A receipt is recorded in the Wallet app so you can see your latest transactions.

There’s no need to open an app or wake your iPhone’s display to launch Apple Pay, regardless of your iPhone model.

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How to Use Apple Pay within Apps

Apple iPhone apps also work with Apple Pay, meaning you will be able to select Apple Pay at checkout when ordering anything from an app. You also need to place your finger on Touch ID or Face ID when paying.

Also, you can use Apple Pay via the Safari browser. You can either use Touch ID if you have a MacBook Pro with Touch Bar or pay via your iOS device.

To use Apple Pay on a Mac that doesn’t have Touch ID and confirm the payment through your iPhone, head to Settings > Wallet & Apple Pay > Toggle on Allow Payments on Mac at the bottom of the display.

Read Also: What Is Combat Pay? Definition, Overview, And How It Works

How to Set up Apple Pay?

You need to use the Apple Wallet app to set up Apple Pay on your iPhone or iPad. The Apple Wallet will then store your credit cards and debit cards, pulling the data when you authenticate Apple Pay to pay for goods.

On your iPhone, open Wallet. On your iPad, go to Settings > Wallet & Apple Pay. Tap Add Credit or Debit Card or the “+” in the top right corner and hit “Continue.” You can use your device’s camera to capture your credit, debit, or store card information. Then fill in any additional information needed.

Your bank will verify your information. You may need to provide additional verification, meaning you must phone your bank or receive a text message with a unique code you’ll need to enter. The process changes depending on the bank.

After verifying your card, tap “Next,” and then you can start using Apple Pay.

See Also: What Is Shop Pay And How Does It Work?

How to Set Up Apple Pay on Apple Watch

To set up Apple Pay on the Apple Watch, you’ll first need to open the Watch app on your iPhone. Make sure you’re in the My Watch tab (bottom left) > Scroll down to Wallet & Apple Pay > Tap Add Card.

Like on the iPhone, your bank will verify your information. You may need to provide additional verification again. You’ll receive a notification on your Apple Watch that your card is ready for Apple Pay.

See Also: What Is Base Pay? How Does It Work?

How do you use Apple Pay?

To set up Apple Pay, start by;

  • Tap the “Wallet” icon.

Note: If you are prompted to allow the app to access your location, tap “Don’t Allow” or “Allow.”

  • Tap “Add Credit or Debit Card.”

Note: If you are prompted to sign in to iCloud, tap “Sign In.”

  • Tap “Continue.”
  • Position your credit or debit card within the frame on your screen to add your card details automatically. Verify your card details and tap “Next.”

Note: You can also choose to “Enter Card Details Manually” and follow the prompts on the screen.

  • Enter the security code on the back of your card. Then, tap “Next.”
  • Tap “Agree” to accept the Terms and Conditions.
  • Tap a verification method. Then, tap “Next.”
  • Once your card has been verified, tap “Next.”

To use Apple Pay in stores, look for the “Apple Pay” or contactless payments symbols.

To use Apple Pay within apps and on websites accessed through Safari, look for the “Buy with Apple Pay,” “Apple Pay,” and “Donate with Apple Pay” buttons.

You can also use Apple Pay on sites that list Apple Pay as an accepted payment method. (All these have been mentioned earlier)

Does Walmart Take Apple Pay in 2023?

Unfortunately, Walmart has not taken Apple Pay at any of its stores since 2022. Customers can instead use their iPhones to purchase items through Walmart Pay at the registers and self-checkout aisles.

Walmart only accepts payments via MasterCard, Visa, Checks, Amex, and cash.

After more digging, some interesting reasons why Walmart doesn’t accept Apple Pay was discovered as the next best option!

Keep on reading!

Why Doesn’t Walmart Accept Apple Pay?

Before the company came out with Walmart Pay, they had another reason not to accept Apple Pay. It was because of their allegiance with a company called Merchant Customer Exchange or MCX.

The company (MCX) only takes payment solutions that use QR codes called CurrentC. Because MXC is a direct competitor of Apple Pay, Walmart does not use it, along with Google Pay and Samsung Pay.

Additionally, another reason why Walmart refuses to accept Apple Pay is that they are unable to capture any data when a customer makes a purchase.

This information is incredibly valuable as it allows Walmart to send custom recommendations and notifications to customers who use the Walmart Pay app.

Will Walmart Ever Get Apple Pay?

According to a Walmart spokesperson, Walmart has no plans to accept Apple Pay in the future.

Since Walmart Pay is built into the Walmart app you have right on your iPhone, there really is no need for Apple Pay and the associated fees.

Conclusion

Walmart doesn’t accept Apple Pay, which doesn’t mean that you can only pay through Walmart Pay app for your purchases.

The Walmart Pay app is the only option at the store for no-contact pay, but if you don’t want to download the app, you can also complete your payment by offering cash.

Similarly, for cashless payments, you can make use of any of your Debit Card or Credit Card, VISA, or MasterCard of any bank.

FAQs On Does Walmart Take Apple Pay In 2023

Can Walmart pay using an Apple watch?

No, Walmart Pay couldn’t be used on the Apple watch. But Walmart introduced a special Walmart watch app in 2020. This app lets you track your shopping requirements via your Apple watch.

Does Walmart allow third-party apps for payments?

According to Walmart’s spokesperson, there are no plans for Walmart to allow third-party apps for making digital payments. Walmart has an app for making contactless payments and accepts cash and card payments. So, there is no need for Walmart to change its policy.

Can I pay using Apple pay?

While doing online purchases also, one cannot pay using Apple Pay. You can only use Walmart App for online shopping and digitally paying the bills.
Walmart Pay is also entirely free to use. Although you cannot connect Walmart Pay with a checking account, you can use it for Visa, MasterCard, American Express, Discover credit cards, Walmart Gift Cards, gift cards, and prepaid cards.
A personalized four-digit passcode is required each time you use Walmart Pay. That keeps your account and card information secure, even if your phone is lost or stolen. You can also use your phone’s touch ID to speed up the sign-in process without compromising security.

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