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How to set up Walmart Pay: A complete step-by-step guide

After all, Walmart Pay is merely a mobile wallet that stores your preferred payment methods, so you will continue to accrue cash-back or rewards points on purchases as usual.  

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How to set up Walmart Pay: Technology has made online and in-person purchasing easier and more enjoyable than ever before, and this is true almost everywhere you shop. You can pay for purchases with a rewards credit card for convenience, but you’ll also earn cash back or rewards points for every dollar you spend. Numerous credit cards also support tap-to-pay, so you can check out and pay without inserting your card into a potentially contaminated payment terminal.

Digital devices such as Walmart Pay also enable you to pay for purchases with a single click and no physical contact. You can even leave your credit and debit cards at home if you have a mobile wallet.

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Continue reading to find out how Walmart Pay works and whether you should use it.

How To Use a Walmart Voucher? (

What exactly is Walmart Pay?

How to set up Walmart Pay: Walmart Pay is a convenient mobile wallet for use in Walmart establishments. This distinguishes it from other mobile wallets, such as Google Pay and Apple Pay, which can both be used at a variety of retailers and stores. Simply stated, Walmart Pay should only be downloaded if you shop at Walmart.

Downloading Walmart Pay to your mobile device will allow you to store your credit card, debit card, and gift card information. This indicates that you can shop at Walmart without bringing your wallet.

Once there, you will use it as a contactless payment method in Walmart stores. Simply scan your items at a register, launch Walmart Pay, and then scan the QR code on the register. Your receipt will then be retained on Walmart Pay, eliminating the need to collect a paper receipt at the register.

Step-by-Step Explanation of the Walmart Pickup Process

Walmart Pay capabilities

Walmart Pay is merely a mobile wallet that retains your credit and debit card information, so there aren’t many noteworthy features to investigate. If you use Walmart Pay to pay your bill, you can still use paper coupons. According to Walmart, you simply need to bring your paper coupons to the store and present them to the cashier as usual.

Note, however, that Walmart Pay is a feature of the Walmart mobile app, which is compatible with Android and iOS. Additionally, Walmart Pay is wholly free to use. Walmart Pay is compatible with Visa, MasterCard, American Express, and Discover credit cards, as well as Walmart Gift Cards, eGift cards, and prepaid cards. However, it cannot be linked to a checking account.

How does Walmart Pay differ from the Walmart app?

How to set up Walmart Pay: Walmart Pay is easily confused with the Walmart mobile app, particularly since Walmart Pay is integrated into the Walmart app. Walmart Pay is a mobile wallet that stores your payment information, while the Walmart app can be used for online shopping.

With the Walmart app, you can use your mobile device to access millions of items available for online purchase at Walmart. You can also use the Walmart app to schedule grocery pickup or delivery, as well as to purchase household essentials. You will then use the application to pay for your virtual purchases.

In the meantime, Walmart Pay is beneficial for paying for Walmart purchases in physical stores with a mobile wallet.

Setting up Walmart Pay

Don’t forget that Walmart Pay is free to use and compatible with Android and iOS. Therefore, setting up this mobile wallet is simple if you have the appropriate device and a payment method that integrates seamlessly.

To begin using Walmart Pay, you’ll need to:

  • Download and launch the Walmart app
  • Select “Services” and “Walmart Pay”
  • Follow “Get Started” prompts.
  • Sign in to your account or create a new account.
  • Add a payment method, such as a debit card, a gift card, or a credit card with rewards points.
  • Wait for the configuration to be confirmed, then click “Got It.”

At this time, Walmart Pay is available for use in Walmart’s brick-and-mortar stores. This means you can leave your pocketbook at home and still make safe and seamless payments regardless of what you purchase.

Walmart Pay safety: Is it protected?

As with other mobile wallets, Walmart Pay is safe to use. Walmart maintains “multiple layers of security” and is continuously evaluating their methods for possible improvements. They explain that the information Walmart Pay transmits is always encrypted over “Secure Sockets Layer (SSL)” networks. Additionally, your credit card information is never transmitted to Walmart stores.

You can also choose to add a credit card with zero percent fraud liability to Walmart Pay in lieu of a debit card if you wish to use Walmart Pay with an additional layer of protection. The Fair Credit Billing Act (FCBA) limits federal liability for credit card fraud to $50. Fortunately, the vast majority of credit cards do not hold cardholders responsible for any fraudulent charges.

Do I need to use Walmart Pay?

Setting up Walmart Pay is a no-brainer if you frequently shop at Walmart and want contactless payments. It’s free to use, and you can store any credit card, debit card, or Walmart gift card information. You will no longer need to carry your wallet to Walmart stores, and all your receipts will always be digital.

Walmart Pay can help you earn additional rewards with the Capital One Walmart Rewards® Mastercard® during your first year. The no-annual-fee credit card offers 5% cash back on purchases, 2% cash back at Walmart stores and Walmart and Murphy USA Fuel Stations, restaurants, and travel, and 1% cash back on all other purchases. With Walmart Pay, you’ll also receive 5% cash back at Walmart stores during your first year.


If you are on the fence about using Walmart Pay, you should discover everything there is to know about this mobile payment method. These frequently asked queries and answers can illuminate Walmart Pay’s functionality and limitations.

Can I use Walmart Pay to pay for gas?

Unfortunately, Walmart Pay cannot be used to pay for petroleum. Sam Club purchases and purchases made with EBT, WIC, or SNAP are also ineligible for Walmart Pay coverage.

Can I use Walmart Pay at competing retailers?

Walmart Pay cannot be used at merchants other than Walmart. In fact, Walmart Pay cannot be used to pay for purchases made at Sam’s Club locations.

Can I receive a cash refund using Walmart Pay?

Walmart Pay cannot be used in Walmart’s physical stores if you wish to receive currency back at the register. Walmart Pay is incompatible with cash return transactions.

Alternatively, you can earn cash back when using Walmart Pay if you link a rewards credit card to your account. After all, Walmart Pay is merely a mobile wallet that stores your preferred payment methods, so you will continue to accrue cash-back or rewards points on purchases as usual.

Muskan Manocha
Muskan Manocha
Muskan Manocha is pursuing graduation from University of Delhi.

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