Discover Card Help Center

Walmart Pay

Learn how to use your Discover Card with Walmart Pay.
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What is Walmart Pay?

Walmart Pay is a new feature built into the Walmart mobile app that allows customers to use their smartphone to pay for in-store purchases.

It will make shopping convenient for our customers.

How does Walmart Pay work?

  • To use Walmart Pay, customers must create a account and/or update their profile to include a preferred payment method. This can include any credit or debit card, prepaid account or Walmart Gift Card.
  • While in the store, customers will check out as normal – at any lane – and click on Walmart Pay within the Walmart app.
  • After entering their unique 4-digit security PIN or using Touch ID, they’ll hold their phone over the QR code to scan.
  • Associate hits total key and, depending on register, will press the Walmart Pay button or standard credit key.
  • When their transaction is complete, they will receive an audio confirmation along with their eReceipt.
  • A message will appear on the item reader stating "TRANSACTION COMPLETE ERECEIPT SENT."

Will there be a designated lane for Walmart Pay?

No, Walmart Pay will be enabled in all lanes in a store. It will work on all POS registers where payment is accepted.

Does the store still receive credit for the sale?

Yes, the transaction counts as an in-store purchase.

Explain the setup process, step by step:

  • Customer opens Walmart app and taps Walmart Pay on the home screen.
  • Customer will sign in or create a account.
  • They will be prompted to add a card or they can simply select cards added to
  • The customer can enter the Discover credit card information by capturing it with their phone camera, or enter it manually.
  • After adding a card, they will be prompted to create a passcode.
  • The customer can now use Walmart Pay.

Explain the in-store process, step by step:

  • Associate scans the customer’s items.
  • After a few moments, the QR code is displayed on the debit reader.
  • Customer brings up the mobile app for payment.
  • Customer enters his or her PIN for Walmart Pay.
  • Customer scans the QR code with his or her phone camera.
  • After scanning all items, the associate presses Total, then presses the Walmart Pay button on a touch screen register or the credit key on a keypad register.
  • Once a transaction is complete, the customer will receive a push notification and an eReceipt.

Will the payments solution offer loyalty benefits?


Can you use multiple payment methods?

The customer will have multiple options to split tender: Split tender in-app (use a gift card and then a credit card for the remaining balance) and split tender POS (pay first with cash or card and then with Walmart Pay).

Does customer have to update the Walmart App to use Walmart Pay?

Yes. The app store of the respective device will notify of an update. The Walmart mobile app itself will need updating for Walmart Pay.

Can you use coupons with Walmart Pay?

Digital coupons will not work. Paper coupons will have to be scanned as they are done today.

Will Walmart Pay work on any device?

Walmart Pay will be available on Walmart and iOS – the platforms the Walmart App is available on today.

How does customer know whether transaction is complete?

A tone will sound from the customer’s mobile device, unless the customer’s phone is on mute. If the customer closes the app before they receive the confirmation screen, he or she will receive a push notification (if enabled). The associate will also inform them that they are all set and free to go.

The item reader facing the customer will display the following message: "TRANSACTION COMPLETE ERECEIPT SENT."

How does a decline happen with Walmart Pay?

A decline happens with Walmart Pay the same way a current transaction decline happens today. If a payment is declined or authorization fails, the cashier will receive a chit explaining that the Walmart Pay transaction cannot go through and that the customer should be prompted to select another payment option.

Can Walmart Pay be used for fuel?

Not at this time.

What do I do if I am issued a new card or my current Discover card expires?

To add your new or replacement Discover card to Walmart Pay, you will need to delete your old card account number from your Walmart Pay and then add your new card account number. At Discover, we are always trying to improve the customer service experience. We hope to shorten this process in the future.

Can I continue to use my plastic card after I add my card to Walmart Pay?

Yes. You can continue to use your plastic card as you usually would after you add that card to Walmart Pay.

How will a Walmart Pay transaction appear on my Discover statement?

The charge will be prefixed by "Wal-Mart" along with the store number and location.

How does a customer return an item with an eReceipt?

  • The customer will find their eReceipt by clicking on Savings Catcher within the Walmart mobile app.
  • They will select the appropriate eReceipt and scroll to the bottom to select 'Return an Item'.
  • They will then show the large TC code to the associate at Customer Service.
  • The return is then completed as normal.

What if a customer wants a paper receipt?

The cashier can utilize the reprint receipt function at the register. The POS system will also automatically print a paper receipt if an error occurs.

After checkout, can the customer review receipt details? Can they see both receipt image and itemized receipt?

An itemized eReceipt will be available for each transaction in the Walmart App – these will appear as they do today. eReceipts typically show up within 2-4 seconds, but sometimes there is a slight delay.

How long is the history of eReceipts?

eReceipts are saved indefinitely.

Does Walmart Pay accept all payment types?

Walmart Pay can be linked to any major card as well as Walmart Gift Cards, eGift Cards and prepaid cards.

Walmart Pay cannot be directly linked to checking accounts.

Can customer tie Walmart Pay directly to a bank account?

No, customers can add the same forms of payment as they can online including credit, debit and Walmart Gift Cards.

Can customer use EBT/WIC/SNAP?

No, but the customer can split tender and use Walmart Pay for items not eligible for WIC/SNAP. Be sure to split tender before using Walmart Pay.

Can customer pay with two payment types (e.g. cash and credit card)?

Yes, customers can choose to split tender, but Walmart Pay has to be the last tender type in the transaction.

Where is the PIN kept?

On the phone. It is not tied to the account.

Do customers enter CCV code each time?

No. Customers will only enter the CVV information when adding a new credit card to their account.

What if the QR Code does not work?

Enter the 803 Action Code to print out a QR Code for the customer to scan with their phone. Discard this QR Code after the customer successfully scans it. It is only valid for one transaction.

How does Savings Catcher work with Walmart Pay?

Walmart Pay makes it easier for customers to claim their Savings Catcher funds. Instead of printing off a barcode for store associates to scan, customers can opt to have Savings Catcher funds applied first to their transactions.

eReceipts are automatically submitted to Savings Catcher.

There was a charge made using my Discover card in Walmart Pay that I did not authorize. How do I initiate a dispute for this charge?

In most cases, customers are able to reach a quicker resolution of their dispute by working directly with the merchant. Please contact Walmart first, as they act as the merchant for purchases made using Walmart Pay. (click hereWalmart help center to go to the Walmart Help Center. Alternatively, to initiate a dispute directly with Discover for a charge you believe is incorrect, simply log in to your Discover card account online, navigate to 'Activity & Payments > Activity > Statements', click on 'View Details' for the corresponding statement, locate the transaction you would like to dispute on the statement, view the expanded detail, and click on the "Dispute this charge" link. If you prefer, you can always call 1-800-DISCOVER (1-800-347-2683) to initiate the dispute with one of our customer service agents." Please note that transactions cannot be disputed with Discover until they have posted to your account.

If I choose to freeze my credit card account, what effect does it have on my card in Walmart Pay?

If you freeze your credit card account, you will be unable to use your card in Walmart Pay until you unfreeze your account. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

If my plastic card is lost or stolen, what effect does it have on my card in Walmart Pay?

Once you receive your new card and account number, you will need to re-register your Discover card in Walmart Pay, and then you can resume using it. You will need to delete your old card account number from your Walmart Pay app and then add your new card account number.

What effect does it have on Walmart Pay if I replace my device?

There is no impact on Walmart Pay if you replace your device. Your Walmart Pay account is based on your Walmart user id. You will continue to see your registered cards under your profile with the new device.

What do I do if I am having trouble using Walmart Pay?

If you are having trouble using Walmart Pay, click here to contact the Walmart Help Center.

Why am I being asked to verify my card?

You may be asked to provide additional information when you add your Discover card to Walmart Pay, for security purposes. Your Walmart Pay app will tell you how to verify your card. After you have successfully verified your card, you will see a message in the Walmart Pay app indicating that you are ready to use Walmart Pay with that card.

Am I liable for unauthorized charges made with my card using Walmart Pay?

Our $0 Fraud Liability Guarantee means you’re never responsible for unauthorized purchases on your Discover credit card.

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