Walmart doesn’t accept Apple or Google Pay in stores or online. In a nutshell, it wants customers to use its own proprietary digital wallets, such as Walmart Pay and One Pay.
What digital payment methods can I use at Walmart?
You can use these digital wallets at Walmart stores or on its website:
One Pay. A new Walmart-exclusive digital payment system offered by the fintech company One Finance. One Pay is a contactless payment method that can earn Walmart cashback offers. You can save up to five cards in this wallet, or up to four cards if you don’t have the One Cash debit card.
Walmart Pay. Walmart’s own digital payment system. Through the Walmart app, you can add debit, credit or gift cards to make in-store or online purchases.
PayPal. Surprisingly, Walmart does accept PayPal as a payment method in some store locations and on its website.
Earn 10% cash back at Walmart, up to $20, on your first purchase. Limited time offer. Get 3% cash back on future purchases up to an additional $50 a year with eligible deposits. T&Cs apply.
$0 monthly fee and overdraft fee
Earn 4.35% APY on Savings with eligible deposits
Earn cash back on debit card purchases at Walmart and other brands
One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Debit card rewards: ● Earn 10% cash back at Walmart, up to $20, on your first purchase. Limited time offer¹ ● Get 3% cash back on future purchases, up to an additional $50 every year, with eligible deposits² ● Earn up to 5% cash back on select brands³ Early Pay: Get paid up to 2 days early. Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data. 4.35% APY on Savings with eligible deposits: 4.35% annual percentage yield (APY) applies to the Savings balance of One Cash customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. 4.35% APY is also earned on Pay Autosave balances without these deposit or balance requirements. In all instances, 4.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/10/2024, but may change at any time before or after account opening. ATM: Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month. For all other ATM transactions the One ATM Fee will apply and third-party ATM fees may be incurred. Overdraft Protection: Available with Direct Deposits totaling at least $500 in the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection. Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of One and may exclude certain transactions (e.g., bill pay, global transfers). See terms for details. ¹Only available to consumers who open an account through Walmart.com, the Walmart app, one.app, or the One app from 8/8/24 - 10/31/24. Terms apply. ²To receive 3% cash back, eligible customers (at the time their purchase settles) must (i) have received $500 or more of eligible direct deposits in the previous month, or (ii) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. Terms apply. ³Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. Terms apply.
How to get the One Pay digital wallet
One Pay by One Finance is a Walmart-exclusive digital payment system. It doesn’t have any fees or require a paid subscription service. Here’s how to get it:
Download the One app from the App Store or Google Play.
Enter your phone number, name and email address.
Add your preferred cards for payments. You can also open a One Cash account to earn more Walmart cashback rewards with eligible direct deposits.
Select One Pay when checking out at Walmart locations or fuel stations.
One Pay also offers cashback rewards, even if you don’t use your One Cash debit card. One Finance states that when you use One Pay at Walmart, you can earn cash back and there will always be some type of revolving deal available.
If you have a One Cash account, there are more perks to be had. You can earn up to 3% cash back on Walmart purchases, up to $50 per year, if you set up direct deposit of at least $500 per month. The One debit card also offers free cash deposits and withdrawals at Walmart locations.
How to get Walmart Pay
If you’re a frequent Walmart shopper, the Walmart app and digital payment method can be convenient. Walmart Pay doesn’t have monthly fees or require any cash to sign up.
Here’s how to get Walmart Pay in four steps:
Download the Walmart app from the App Store or Google Play.
Create a Walmart account.
Add your preferred credit, debit or gift cards to your Walmart account.
Open the Walmart app at checkout, either in-store or online, and select Walmart Pay to pay for your items.
Bottom line
Walmart is worth over $555 billion, has over 10,500 locations and employs over 2 million people. With a company that big, it can create its own digital payment methods so it doesn’t have to accept Apple or Google Pay.
No, Walmart doesn’t accept Apple Pay in-store, at self-checkouts or for online purchases.
Does Walmart take Google Pay?
No, Walmart doesn’t accept Google Pay for online or in-store purchases.
Can I pay at Walmart with my phone?
Yes, if you use Walmart Pay, One Pay digital wallet or PayPal. These digital wallets allow you to make contactless payments at Walmart, or you can scan the QR code at checkout with your phone’s camera.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio
Bethany's expertise
Bethany has written 435 Finder guides across topics including:
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