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Walmart Still Doesn't Accept Apple Pay in U.S. Despite Daily Complaints
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Maybe WalMart will try to put one store in Germany so they can say they’re in the EU and, because it’s anti-competitive that Apple makes a smartphone and WalMart… doesn’t, the EU will force Apple to sell the iPhone branded as the WalMart phone.Careful with this type of conversation, if the EU was to catch wind of Walmart's blatant anticompetitive behavior, it will be the end of all of this. Someone tell Tim Sweeney!!!
Make it easier to spend my money. Don’t make me feel poor pulling out my debit card from the 90s.
They still pay merchant fees because when you use Walmart Pay with a linked card they pay the fees then. The only way no merchant fees are involved is if they were doing direct bank account debit like the Target Red Card.
I really wish they would start taking AP. Although I avoid their Supercenters like the plague, most of my grocery shopping is done at the little Neighborhood Walmart which is just a normal grocery store. Living in small town USA has its drawbacks like not a lot of choices for supermarkets. It's Albertsons, the Neighborhood Walmart or one of their 3 Supercenters. The Neighborhood Walmart is much closer, has way better prices, better parking and is easiest to get in and out of quickly. I just use my CC inserted in the reader which is no big deal but AP is easier. But for the amount of time and money I save I'll live with the minor inconvenience.
They don’t take ANY tap to pay cards, even physical ones.
They may change eventually, because rumor is all the major credit card companies may soon require all merchants that take cards to require tap to pay in POS system or they’ll be on the hook for any fraud liabilities.
M
This mantra is exactly why the US has such a fragmented, outdated, insecure and ancient payment systems in the world.
Yeah, I’ve read recently that the international group behind EMV (Europay, Mastercard and Visa) chips embedded in cards is finalizing new standards and tech for debit and credit cards that will include biometric data and remove the magnetic stripe all together. The phase out is schedule to hit the USA around 2027 and be completed worldwide by 2033. Anyone who accepts payments with the old tech will incur an additional fee and be liable for fraud. I guess maybe Walmart decided to just wait and change all their terminals in one go in 2027 instead of upgrading a few years back only to do it again by the end of the decade.
I think the banks pays the fees. Is the same price to the merchant if you use a normal credit card or Apple Pay.
Apple Pay: A guide for merchants
I've never heard that rumor. It is true that any businesses that use swipe are on the hook for fraud, but I have used a mag swipe in a few years, other than for merchant gift cards.
Well they won’t have a choice come 2027 or soon after. As I mentioned above EMV ( Europay, Mastercard and Visa) are not making any more cards with magnetic stripes starting in 2027 with a worldwide cessation of striped cards by 2033. All cards, debit, credit or cash cards will only have the enhanced EMV chip and Tap To Pay. There will also be the option to include biometric data into the card as well. Any merchant refusing to update their terminals and still accepting striped cards will be fined for each transaction and will be on the hook for any and all fraud. No chargebacks to the banks or card companies. America will have to upgrade. They have no choice or their companies will book massive losses in fines, additional fees and fraud.
No takes mag stripe in the US anymore, or it's very rare. I haven't been asked for a few years now, even living in the middle of the nowhere Midwest.
I can't find any reference to requiring anything other than chip.
They pay the same fee if people use a credit card or Apple Pay/Google Pay. They want your info and using Apple Pay, they don't get that.
It’s not a rumor. Mastercard announced in 2021 they would phase out magnetic stripes from their cards. As of 2024 they have implemented that. The border EMV industry is following with a cessation of mag stripes for the US in 2027 and worldwide by 2033. Pretty soon the only new card or replacement card you will get is one without a mag stripe and only the enhanced EMV chip that can store biometric data as an option plus the already existing Tap To Pay feature. Here’s one of many articles from the industry about this.
[Updated 2024] Magnetic Stripes to EMV Cards
What is a Magnetic Stripe Card? It generates time-sensitive authentication codes for every transaction to add a layer of encrypted security.
It’s not a rumor. Mastercard announced in 2021 they would phase out magnetic stripes from their cards. As of 2024 they have implemented that. The border EMV industry is following with a cessation of mag stripes for the US in 2027 and worldwide by 2033. Pretty soon the only new card or replacement card you will get is one without a mag stripe and only the enhanced EMV chip that can store biometric data as an option plus the already existing Tap To Pay feature. Here’s one of many articles from the industry about this.
[Updated 2024] Magnetic Stripes to EMV Cards
What is a Magnetic Stripe Card? It generates time-sensitive authentication codes for every transaction to add a layer of encrypted security.merchantadvocate.com
I know about mag stripe, as I said, I haven't used that for years and already have a card without a mag stripe. I'm talking specifically about tap-to-pay, and can't find any requirement for that. I see the stripe is disappearing, but that doesn't mean Walmart can't still require you to insert the chipped card.
Chip has already been required for several years now, lest the merchant be on the hook for fraud. Since 2015 for regular merchants and 2021 at fuel pumps (in the US).
Walmart stores in the USA have the market mechanisms to stay in business despite not allowing tap-to-pay, Apple Pay, Google Pay, and Samsung Pay.
Why?
It is the largest company in the USA with extremely high revenue.
It also has a large and loyal customer base that values low prices, making it unlikely to go out of business—even as the last major retailer to resist adopting a payment method used by all other major retailers in the country.
So, the only real consequence is that Walmart employees will continue dealing with complaints about the lack of tap-to-pay for many years to come, due to an unpopular corporate decision.
Why?
It is the largest company in the USA with extremely high revenue.
It also has a large and loyal customer base that values low prices, making it unlikely to go out of business—even as the last major retailer to resist adopting a payment method used by all other major retailers in the country.
So, the only real consequence is that Walmart employees will continue dealing with complaints about the lack of tap-to-pay for many years to come, due to an unpopular corporate decision.
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Wonder if they did a study that slowing down the payment process, and thus the number of customers a cashier can handle in a given time, didn't affect revenue sufficiently much that they rejected tap to pay.