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.
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.
Learn more about digital wallets here, or compare the best checking accounts for debit cards you can add to digital wallets for electronic payments.
Frequently asked questions
Does Walmart self-checkout take Apple 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.
Ask a question
More guides on Finder
-
Banks Once Gave Away Guns and Ponies: Here’s What They’re Offering Now
Learn about the wackiest bank perks from the past and how you can get cash signup bonuses today.
-
Banks with Free ATMs
Banks with the largest networks of no-fee ATMs include SoFi, CIT and more.
-
Discover® Savings Bonus Offers
Discover only offers a bonus on its savings account, and it has a high deposit requirement. See how to get it here.
-
SoFi® vs. Wealthfront: Which HYSA Is Right for You?
SoFi and Wealthfront both have competitive high-yield savings accounts, but Wealthfront has a higher APY while SoFi has better banking options.
-
Fifth Third Bank Promotions and Bonus Offers of May 2026
Fifth Third Bank currently offers a $325 checking account bonus when you open a new account and set up qualifying direct deposits.
-
SoFi® Bonus Offers for May 2026
SoFi offers several bonus offers, including a direct deposit bonus, welcome offers and referral bonuses.
-
SoFi vs. Wells Fargo: Which Bank Is Right for You?
Wells Fargo is a Big Four bank, but SoFi’s free online checking and savings accounts boast competitive interest rates, savings round-ups and easy ATM access.
-
SoFi vs. Ally: Which Bank Is Right for You?
Ally is best for its savings products, while SoFi is best for its convenient checking and savings hybrid account. See pros and cons here.
-
SoFi vs. Marcus: Which Bank Is Right for You?
Marcus offers top savings options, but if you want a full-service bank, go with SoFi.
-
SoFi® vs. Chime: Which Is Better?
SoFi®is better for earning stronger savings rewards, while Chime is better for credit-building. Compared head-to-head, SoFi® wins.
