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 OnePay.
What digital payment methods can I use at Walmart?
You can use these digital wallets at Walmart stores or on its website:
OnePay. A Walmart-exclusive digital payment system offered by the fintech company One Finance. OnePay is a digital wallet and 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 OnePay 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 on your first Walmart purchase made within your first month, on up to $200 spent. Limited time offer. Earn up to 3% cash back at Walmart on up to $150 spent per month, with eligible deposits. T&Cs apply.
$0 monthly fee and overdraft fee
Earn 3.75% APY on Savings on balances $5,000 to $250,000 with eligible deposits
Earn cash back on debit card purchases at Walmart and other brands
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. 10% cash back at Walmart: Only available to customers who initiate their account application through certain channels from 3/18/25 - 6/30/25. Cash back earned as OnePay Points. See terms at onepay.com/10percent. 3% cash back at Walmart: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ as of the last day of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart. Early Pay: Get paid up to 2 days early. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data. 3.75% APY on Savings with eligible deposits: 3.75% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposit in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.75% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.75% 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 12/20/2024, but may change at any time before or after account opening. ATM: Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred. Overdraft Protection: Available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of 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 OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.
How to get the OnePay digital wallet
OnePay 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 OnePay 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 OnePay Cash account to earn more Walmart cashback rewards with eligible direct deposits.
Select OnePay when checking out at Walmart locations or fuel stations.
OnePay also offers cashback rewards, even if you don’t use your OnePay Cash debit card. One Finance states that when you use OnePay at Walmart, you can earn cash back and there will always be some type of revolving deal available.
If you have a OnePay Cash account, there are more perks to be had. You can earn up to 3% cash back at Walmart on up to $150 spent per month, if you set up direct deposit of at least $500 per month. The OnePay Cash 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
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Bethany has written 439 Finder guides across topics including:
Learn how to close a bank account in five simple steps.
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