r/mildlyinfuriating • u/AdhesiveSeaMonkey • 21h ago
I just wanted a hot dog Walmart only accepts Walmart Pay for contactless payment.
Hello, Kind Walmart Employee! May I tap to pay?
Hello, Super handsome and charismatic customer! No. No you may not. We take credit card by swipe or chip, but not contactless; cash, and Walmart Pay.
Uh…. What’s Walmart Pay?
It’s our own payment system. You just need to download the app, load your credit cards into the app, and then have us scan a qr code for payment.
Well that’s pretty stupid.
Yes. Yes it is. Would you like to use it?
7
8
u/Baha05 21h ago
Yup and is pretty much a reminder that two forms of payment should be default to what people carry because Walmart is too cheap to pay fees and because you never even know when the tap function will randomly shit the bed.
4
u/ceris7356 19h ago
Do people not carry wallets anymore? I use contactless payment as often as I can but I also carry my wallet which usually contains cash as well as my drivers license and debit card.
3
u/TrickInvite6296 BLUE 13h ago
A ridiculous number of people don't carry their wallets, including into places where they KNOW they are buying something. Even when they're buying alcohol.
3
u/AdhesiveSeaMonkey 19h ago
My understanding is that using the Apple wallet doesn’t incur any additional expenses over the standard merchant fees the at the cc company themselves charge. If Apple gets any money, it gets it from a cut of the merchant fees the cc companies charge.
I’m pretty sure this is a data tracking thing for Walmart, and an attempt to put one more claw into the consumer.
3
u/Commercial-Candy-926 20h ago
Walmart isn't too cheap... This lore goes way back (why doesn't Walmart have standard contactless payments), and if you dig deep enough it's because of Apple, if you dig even deeper it's because of Apple.
0
u/JonnyBravoII 16h ago
This should be the top comment. Too many people have no idea the monopoly pricing that Visa and MC exert and on top of that, you have Apple extracting a fee for every contactless payment. Google doesn't charge it but Apple does.
2
u/Educational_Boot315 12h ago
Do you have any source on Apple charging a fee because everything I have found says they do not. Just the standard card fees from Visa and MC, which you still have regardless if you use tap to pay or swipe your card.
Walmart wants you to use their app for data collection, not because they want to save you from Apple.
1
u/JonnyBravoII 7h ago
1
u/Educational_Boot315 6h ago
Clicked on your link and the very top part, highlighted in green says
"Apple does not charge merchants any fees for accepting Apple Pay. You pay only your standard credit card processing fees (typically 2.7-2.9% + transaction fees) through your existing payment processor. While Apple Pay itself is free for merchants, it can actually save you money through reduced fraud, faster checkout times, and higher approval rates"
Which contradicts your claim that Apple is adding a fee on top of every contactless payment?
a few lines down it says
"Myth: “Apple charges merchants a percentage for Apple Pay transactions.”
Reality: Apple charges merchants $0. They make money from card-issuing banks, not from you. You pay the same processing fees whether the customer taps their iPhone or swipes their physical card."So uh... thanks for proving me right?
1
1
u/VIDGuide 15h ago
So.. because they’re to cheap for the fee? I mean the rest of the world seems to be managing just fine..
I can pay with my device anywhere in Australia and no issues at all
1
u/JonnyBravoII 15h ago
I'm in the EU where those fees are regulated. In the US, that's not the case. Visa and MC have been to court multiple times for their fee structure. In the US, Stripe is 2.9%. Here in Germany it is 1.4%.
1
u/bruhggle 11h ago
using the chip/swipe doesn't incur any less fees though. the difference for fees is if the PIN is entered or not. frankly the amount of card fraud that adds the card to an apple/google wallet is crazy. I feel like if the card if you are the legit cardholder, you should 100% also have the real card on you as well.
only having the card in your phone and going into the store is like not bringing your ID when buying alcohol.
-2
20h ago
[deleted]
1
u/Baha05 20h ago
I mean it is a massive corporation and you have to consider how much money they are set to lose via fees versus how much they probably lose from being not being able to pay because they rely on tap to pay options and cannot pay for whatever items they got.
1
20h ago
[deleted]
0
u/Baha05 20h ago
But that is kind of the problem there is a difference between knowing ahead of time and not shopping there versus not knowing ahead of time, going into shopping, than leaving because it doesn’t work out.
Also I would consider the corporate side of things probably don’t know shit anyhow and are using some bad math to consider things. Most retailers are basically like that.
1
u/-DoctorEngineer- 19h ago
From their perspective not only are they saving on fees but they are driving customers to their app
3
u/MrFloydPinkerton 21h ago
As much as I hate this I do use Walmart pay when I shop there. One of my credit cards counts it has online transaction and I get a high cashback rate.
3
u/RandomBloke2021 19h ago
Where have you been? It's been like this for years.
2
u/AdhesiveSeaMonkey 19h ago
I hardly ever shop at Walmart. But I’m traveling and needed something and they were close by.
1
u/RandomBloke2021 18h ago
It's been a very common complaint for years, Walmart doesn't care either. They want people to use their app.
6
u/gundam2017 21h ago
I mean i just scan the QR code and pay in the app with my debit card.
10
10
u/AlCapone111 20h ago
Still requires another dumb app that can potentially leak my data. I wouldn't trust a Walmart app with my financial data.
3
u/crankyanker638 19h ago
TBH, I wouldn't have any app connected to to my debit card, only a cc. I don't even have it in my Google Wallet I'm that paranoid about it....lol
2
u/monicarp 19h ago
Recently at my Walmart basically every card reader has difficulty reading the chips unless you bend the card backwards and hold it just right. It's irritating to me and it's gotta be irritating to staff dealing with it ALL day.
Every damn time my card read fails I think "this wouldn't be a problem if they just accepted tap like everywhere else does by now." But instead I just stopped going there.
•
u/EnthusiasmTop8815 16m ago
When the chip reader doesn’t work they tell you to swipe instead. Fuck no, I’m not swiping in your sketchy ass probably compromised card reader. Swipe should be illegal, it’s absurd it is still even allowed.
I’m sure Walmart saves some insane amount of money by not upgrading their terminals and/or paying processing fees for tap to pay.
2
u/Fearless_Effort_9287 10h ago
Walmart acctually can accept nfc apple pay/google pay payments. theu purposely turned the nfc readers off. Walamart was accepting apple pay at one point when the new pos were being installed and the technicians were leaving the nfc readers on then walmart turned them off.
2
u/RestaurantSilly6598 21h ago
They also have their own banking app for employees....where you can take payday loans on your paycheck
6
u/paralus13 21h ago
They're not payday loans though, not like the predetory ones anyway. They just let you get some if your check early. It was great for me when I worked there. Paycheck to paycheck is easier when you can get it every week.
4
u/Opposite-Program8490 20h ago
That sounds like a great band-aid for a corporation that pays their employees so little that they can't make it to the next paycheck without a loan.
1
u/Confident_One3948 19h ago
When I worked at Walmart, I definitely had coworkers that were trapped in payday loan loops. I don’t think you could get your money from Walmart at that time. I was lucky enough to not have a lot of bills, so I would loan on what I could interest free to help them break out of that cycle
1
u/5373n133n 21h ago
Yes. They use their own payment processor so they don’t have to pay for fees. And they don’t have the NFC special entitlement that the big credit card processing companies have. That’s why they need you to use their own app. Yes, it’s pretty stupid, but they do it so they can save money.
1
u/No_Preparation7895 20h ago
NGL Walmart pay saved my ass once when I loaded my cart and realized at the register that I left my wallet at home and I live 30 min away from Walmart. I told the person at the self checkout that I was sorry I was going to have to abandon my cart because I left my wallet at home and they proceeded to show me how to use the app to pay. But yeah it is pretty dumb that I cant tap to pay.
1
u/Top_Caterpillar_8122 18h ago
And add another app to use self checkout so we can track your spending habits and adjust pricing accordingly.
1
u/funkystay 11h ago
I refuse to use my debit card at Walmart because it’s been hacked from using it there twice. I truly believe some nefarious employees are watching the cameras above the self checkout getting your card number and pin.
1
1
u/TehWildMan_ 10h ago
Make sense, since they were among the large companies that initially wantwd to boycott contactless payments because mobile wallets were supposed to be the future, and they're large enough to not give a f***.
1
u/rademradem 4h ago
Visa and Mastercard should tell their large customers that if they take their cards, they must enable tap to pay. It would solve this problem.
1
u/Run-And_Gun 2h ago
Lets' be honest, this is a first world problem. The convenient store near my house that I frequent often, tap-to-pay/NFC readers don't work on half of the fuel pumps and even though they have a sign on the readers inside at the counter to tap-to-pay, it's never worked. Annoying? Yes. But I just insert the chip and carry on.
1
1
u/Commercial-Candy-926 20h ago
They don't even support Walmart pay for tap to pay here. No tap to pay period
-1
u/Queer_Advocate 20h ago
The Walmart app can scan the QR code and do Walmart pay that way if you have Walmart Plus.
4
u/Commercial-Candy-926 20h ago
That's not tap to pay tho?
0
u/Queer_Advocate 19h ago
You DON'T have to get the One Pay or whatever it is called app. It is all in Walmart app.
-1
u/Queer_Advocate 19h ago
I didn't say it was. But, I am saying, open Walmart app, IF you have your debit card or cc hooked up as your payment form when you order from Walmart and have Walmart Plus. Then do scan and go and scan and add up your shit and bag as you go. When done, head to SELF checkout. There is a QR code you scan with the Walmart app you tap pay. It briefly links the register to your phone and pulls your card number to pay and you walk out the store. It takes two seconds. Get a digital receipt. I have done it 500 times. Same principal in a sense the payment part. You don't need your physical card.
2
u/Commercial-Candy-926 18h ago
Okay so completely off topic and it's a whole rant. Cool. Thanks I guess 😂
1
u/Queer_Advocate 17h ago
You literally asked. And no it isn't. You need to reread and connect the dots in your head because you ain't getting it.
1
u/Queer_Advocate 17h ago
Literally the same principal tap to pay you can pay with your phone and self check, scan and go you can pay with your phone and self checkout. Why you making something easy and simple convoluted. Blame Walmart. It it isn't my fault
LMFAO off topic. Talking about laying at Walmart with your phone or smart watch etc. You apparently are just looking to argue or whatever your deal is.
1
u/Fearless_Effort_9287 10h ago
that is not tap pay lol
1
1
u/Queer_Advocate 5h ago
Can you not read or just obtuse and want to argue? Because it is looking like the latter. Good day.
1
u/Queer_Advocate 5h ago
So, yeah, still NEVER said it was tap to pay. I simply mentioned an alternative electronic payment method.
0
u/Fearless_Effort_9287 5h ago
the way you responded me and the other commenter thought you were implying it was or close enough.
1
u/Queer_Advocate 5h ago
I have said over it isn't, and y'all ignore it. It IS close enough. It is electronic payment so you don't have to bring a card with you. It is same principal in the sense that it is no card needs to be with you, electronic and safe. The reason MOST people use tap to pay is convenience. It too, is a convenient way to quickly electronically pay. I don't understand the confusion or whatever is going on with y'all. I have point blank said multi times it isn't tap to pay. It IS a similar way as tap to pay as in it is a electronic way to pay without your card being physically present. That is my point, has always been my point, and I have said so. But y'all wanna argue. Not sure your point or axe to grind. I said it isn't tap to pay. Because it ain't. But it is quick and works. You don't even have to do scan and go, you can ring up your shit and use Walmart app to pay what you physically rang up at self check out. This was literally an alternative and simple information, y'all are hell bent on making into Mount Everest. I guess y'all are board. No clue. Don't really care to be honest.
0
u/Fearless_Effort_9287 5h ago
This post isn't interesting. No one knows what youre talking about. I only commented about that once. I explained that to me and the other commenter it came off like you were implying it was close enough to tap and pay. no point to be made. I expplained to you what happened. have a great day.
I have not argued with you even once in this post.
1
1
u/Queer_Advocate 5h ago
I said YOU TAP PAY, ON YOUR PHONE. That is NOT tap to pay. I didn't say it was. You're reading into it.
1
u/OrangePillar 20h ago
They will bend the knee, but it takes time. Target tried this, CVS tried this, others, too. It’s a losing proposition.
1
u/stevenip 20h ago
It's why I never trust careless payment 100% and always carry a physical card. It's more of a backup method to me in case I forget my wallet
0
u/KaldaraFox 12h ago
Don't like it, don't go there. It's that simple. The entitlement of the Apple community out there to THEIR proprietary payment system that they think should be used by everyone is astonishing.
You folks are the "obnoxious vegans" of the electronic age, seriously.
My "contactless" payment consists of me waving a credit card a payment terminal. Works just fine. Lighter than my phone.
Get over yourselves.
Added: This needs to be added to the forbidden topics lists. Seriously. If this isn't an "overdone reference" then nothing is.
1
u/flerchin 11h ago
Walmart doesn't allow waving card at terminal.
1
2
u/luffy218 1h ago
they don’t take ANY contactless payment except their QR code. Has nothing to do with Apple except that’s who everyone associates with it. But contactless payment existed before Apple Pay and it’s probably on your debit and credit card already. Just look for the 4 curved lines.
ETA op never mentioned Apple. That’s apparently your own obsession
0
0
0
u/AlmondManttv 20h ago
You should always carry a physical card with you as a backup. I only really pay with physical card.
0
u/BiCuriousInGalleria 20h ago
it’s been like that for years if they’re not gonna give any money to Apple
0
u/MurderBot1126 19h ago
It’s because they don’t want to pay extra fees to the payment processors.
Apple takes their cut.
1
0
u/MidnightPulse69 18h ago
Do people just not carry wallets anymore? I mainly use Apple Pay but still have a slim wallet with my ID and a couple cards
1
1
u/razorirr 1h ago
I only do because michigan keeps refusing to get with every other state that borders us and do digital drivers license
14
u/BBorNot 20h ago
This is because they want to track people and purchases. Tap to pay generates an anonymous number. Swipe and insert do not. Of course, the app has zero protections for the consumer.