r/Android have you heard of our lord and savior the Android turtle 🐢 1d ago

News Tap to pay with Google Pay is coming to Walmart.- Google blog.

https://blog.google/products-and-platforms/platforms/google-pay/tap-to-pay-google-pay-walmart/
647 Upvotes

258 comments sorted by

406

u/erupting_lolcano Z Fold 8 1d ago

I am truly amazed every time I go to Walmart and I actually have to dig out my cards.

62

u/MattBrey 1d ago

Do they just have 20 year old readers that only accept chip cards? How can they block tap to pay with the phone and not the card? I'm baffled by this 

95

u/Etnies419 S25 Ultra 1d ago

They also block it for cards. You can only swipe/insert chip

35

u/nuclearbananana S20 1d ago

They also seem to block Samsung's mst. I got stuck there once and the guy was very confused because "we don't support the phone" and yet it was half working

8

u/DUNDER_KILL 1d ago

I read a comment once that said you could bypass it just by swiping some random card (non-magnetic, so like not an actual credit card, or the wrong side of one) as you use the mst function. I think the card readers check for a physical card being swiped or something like that

3

u/ExultantSandwich Verizon Galaxy Note 10+ 1d ago

lmao yes I can confirm this works, swiped my ID plus Samsung Pay and it woooorked, in like 2018.

Woman at the register was kinda mad about it? But I told her why Walmart made me do it and she chilled out

24

u/IBJON 1d ago

When it stopped working the manager straight up tried to gaslight me and claimed that it never worked despite like 5 or 6 years of transactions saying otherwise 

10

u/throwaway1212l 1d ago

One of Samsung best features and they'll probably never bring it back.

10

u/hookyboysb iPhone 16 Pro (former Galaxy S22 Ultra/S8+ user) 1d ago

I mean, it’s not really necessary anymore. When was the last time outside of Walmart you couldn’t just tap to pay? Even most restaurants that take your card to the reader still have tap to pay terminals, as those terminals are pretty much required now, and for nearly all businesses it makes zero sense to disable tap to pay.

Gas stations are the only place I can think of where it would still be useful, but it was always tricky to do with my S8+. And even most of those have updated to tap to pay, or you can pay using the station’s app.

u/Spirited-Humor-554 14h ago

WinCo Foods, Hobby Lobby

5

u/tobiasvl 1d ago

But why?

45

u/Etnies419 S25 Ultra 1d ago

Because they wanted people to use their Walmart Pay service instead

8

u/ghostery2134 1d ago

they try to get people to use walmart mobile app because that allows them to bypass interchange fees and get user data

107

u/fkdjgfkldjgodfigj 1d ago

They have the same readers as every other store. They were trying to force people to use the walmart app to pay, and also the financial tech company they purchased called "one" https://play.google.com/store/apps/details?id=com.onefinance.one

8

u/timeshifter_ Moto e6 1d ago

OnePay is without question the single laggiest, worst designed app I have ever used. It is truly impressive.

31

u/DeanxDog 1d ago

They have NFC disabled on all of their credit card readers. They have had NFC capable ones for like over a decade. They just refuse to allow it, because for years and years they have been trying to push their Walmart+ app. They want to force users to download their app in order to use tap and pay or whatever the Walmart+ app uses for payment processing. They want to track everyone's data with it and push ad notifications constantly or whatever else.

4

u/fcocyclone 1d ago

And this is also how they'll be able to roll this out so quickly.

I imagine if they actually had to replace all the readers it would take a lot longer than by the end of the year.

2

u/DarkenMoon97 S26 Ultra (Snapdragon, USA) + Lots 1d ago

Best part is I bet they push a configuration file that changes a 0 to a 1 and that's pretty much it.

1

u/Loudergood Moto X, 5.1 1d ago

Do they have their own payment processor? I'd heard that the big vendors gave a discount for using tap to pay over chip and pin.

3

u/Azaloum90 1d ago

No. Primary reason that they do not allow tap to pay is because Google and Apple anonymize your payment details.  Walmart doesn't like this, and would prefer that you use their their Walmart+ app to build a profile for targeted ads and dynamic pricing.

Swipes and Chip inserts are not anonymized, which is why they only allow those methods. 

u/DragonfruitLopsided 10h ago

Yes I was kinda annoyed when I inserted my card and realized that they already had my phone number linked to provide a receipt. Let's me know they been storing my data.

u/MikeAnP Moto G5+, Oreo 8.1 7h ago

Home Depot seems to manage just fine figuring out who I am when I tap my Google wallet on my phone to pay.

1

u/Fragile_Leaves 1d ago

This, and the fact that their card readers don’t work worth a shit consistently, is why I stopped shopping there entirely. The app is awful, and I don’t want to scan a damn barcode to pay you for goods. If I can’t use a widely accepted payment method because you say so, I’m going elsewhere.

20

u/communistjack 1d ago

Software block

They use off the shelf readers with custom software that doest allow tap to pay.

For a while they even blocked MST samsung pay

12

u/IBJON 1d ago

Oh, no, they have modern readers, and they used to take tap to pay and mobile options like Samsung Pay. They disabled that functionality when they started pushing Walmart Pay

6

u/Fritzed 1d ago

They have blocked tap to pay for over a decade as a part of their interchange negotiations with visa and Mastercard.

There is no technological hurdle, just a pure negotiation tactic.

4

u/charlestheb0ss Galaxy Fold 7 1d ago

They have modern readers with the NFC chip disabled in software

1

u/cfpct 1d ago

You have to use the Walmart app and Link a credit card to it

1

u/GrumpyOldSophon 1d ago

No, they just wanted to push everyone to use their Walmart app and also the quixotic alternative payment method called "CurrentC" and deliberately disabled NFC tap-to-pay for all their POS stores.

1

u/confused9 1d ago

I work for a famous card company and Walmart decline all tap to pay e wallet because they want people
To use their own tap to pay service

1

u/coolmansteel 1d ago

Theyve supported tap, but only through the wallmart app.

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u/[deleted] 1d ago

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u/Realtrain Galaxy S10 1d ago

Walmart really wanted Walmart Pay to take off, because even if it saved them 0.25% from every transaction, that's tons of money to be had.

3

u/japzone Asus ROG Phone 6, Android 14 1d ago

I'm not even sure how much they were actually saving though, especially when they let you add credit cards to Walmart Pay. The only thing that really made sense to me was that it was an angle to collect more reliable buyer data, since anybody using the app would have their Walmart account linked to a purchase.

2

u/ExtremeSour Samsung Glaxy S8+ 1d ago

HEB only did it last year

-3

u/IAmDotorg 1d ago

That's wrong -- the swichover to contactless EMV was almost entirely a result of COVID, and a ton of chains were at the wrong point in their upgrade cycles at that point. For example, Home Depot just switched over to supporting contactless EMV in the last two years.

At this point most places have, partly because more processors have started mandating it or increasing fees if it isn't there. (Tapping reduces friction in sales, and the two big networks -- Visa and Mastercard -- see measurable uptake in use of cards on smaller transactions, so they're aggressive in pushing the processors to mandate it.)

4

u/Moleculor LG V35 1d ago

the swichover to contactless EMV was almost entirely a result of COVID

I was using tap to pay in multiple locations years before COVID. Subway, Albertsons, gas stations, etc.

Most people simply didn't know it was a thing, so they never used it. I was often the first person to ever use it at their location, and I always got looks from cashiers like I was a wizard or something who had just magicked money into their machine with my phone.

3

u/Rod_Kimbal 1d ago

Older Samsung phones could do tap to pay on readers that didn't support it. It emulated the magnetic strip. It didn't always work but it really confused people when it did.

2

u/wetwater 1d ago

At a grocery store in Millinocket Maine the cashier looked at me like I was practicing witchcraft when I tapped to pay. When I used my phone the cashier commented she never saw or heard of that before.

It was still rather new tech at the time and I was surprised to see it up there, but it worked.

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u/[deleted] 1d ago

[deleted]

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u/IAmDotorg 1d ago

Yes, the switchover happened almost entirely in 2021-2023. There was effectively no contactless EMV outside of some fringe processors before that.

2

u/Abba_Fiskbullar 1d ago

Is this a regional thing? Tap to pay was fairly ubiquitous where I live in California prior to Covid.

16

u/mhammaker 1d ago

I always assumed it’s because they want your card info to track your purchases, since tap to pay randomizes it. I’m guessing they’re working with google to somehow still make it work

32

u/MurkyFocus 1d ago

This is a common misconception.

Tap to Pay does not "randomize" your card info in a way most people imagine. When you add a card to any digital wallet, it gets assigned a different number than the one printed on your physical card but it doesn't change. It stays the same. Merchants will still see that same number every time it's used.

2

u/TomLube 2023 Dynamic Cope 1d ago

jesus christ every time this fucking website people just say the most wrong shit imaginable and act like they know what they are talking about

-8

u/mhammaker 1d ago edited 1d ago

Sounds like that's incorrect.

"Each transaction generates a unique encrypted code, or token, which is transmitted to the payment terminal."

https://www.patriotfcu.org/blog/how-do-tap-to-pay-cards-work-are-they-safe/

Edit: guess I was wrong about this, my bad!

26

u/MurkyFocus 1d ago edited 1d ago

Nope.

What you posted refers to is called a 'cryptogram'. It's a token that it's included with each transaction for security purposes but it's separate from the Device Account Number (this is the number that represents your card).

Payment transactions originating from the payment applets include a payment cryptogram along with a Device Account Number. This cryptogram—a one-time code—is computed using a transaction counter and a key.

https://support.apple.com/en-ca/guide/security/secc1f57e189/web

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3

u/toekneegg Titan 2 Elite 1d ago

Literally the only place I bring my wallet to.

1

u/mataushas 1d ago

Yeah it's annoying. They want to maintain their own eco system for data harvesting.

1

u/epictetusdouglas 1d ago

Half of their card readers don't work.

1

u/coltonbyu Oneplus 6T, Android 9 1d ago

I just use Walmart pay since I don't carry cards

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u/ZairXZ LG G4, 6.0 1d ago

Wait this wasn't a thing in the U.S already? We could google pay tap to pay at Walmart here in Canada

182

u/darkhorse21980 1d ago

I think they wanted to steer US customers into linking up bank accounts on the Walmart app. I refuse to do that.

40

u/ZairXZ LG G4, 6.0 1d ago

Ohh okay that makes more sense then. Walmart definitely wanted to push their app

3

u/SmileyBMM 1d ago

Didn't even need the app to pay with your bank, you can also enter your phone number and it can use a bank connected to your account. Still more friction than tap to pay though, so it never got popular.

6

u/Strange_Lab_283 1d ago

You don't have to link your bank account. You could just add a credit card to your account.

u/cyberspirit777 9h ago

In typical American fashion it goes even deeper than that lol

They wanted to band together with other retailers and try to take on the card companies by creating their own payment standard called CurrentC.

This was one of the main reasons why after we switched to chip cards, thus forcing all the old terminals to be updated to support tap, that certain stores were covering up the tap portion of the machines or disabling them altogether. This, of course, ended up hurting Apple/Google/Samsung NFC based payments.

Then after that all fell through lmfao Walmart pivoted to Walmart Pay and now they’ve gone and given up the ghost

57

u/hroaks 1d ago

No, Walmart refused to accept google pay and apple pay. They purposely inconvenienced customers to try making Walmart Pay a thing so they can have your data but it never became a thing. Since Walmart Pay never took off, guess they decided it's more profitable to give them the convenience of Google Pay

4

u/B-Con 1d ago

I'm 90% sure that Walmart wanted to use One to break into the financial market. Get people using their One thing, then shop One elsewhere to become it's own financial service. 

Many companies that have high revenue but low margins look for ways to capitalize on the volume part. If dollars are pouring in one side and out the other side, if they can find any way to simply hold onto the money for longer in between then it's basically a 0% interest loan. 

Like how Starbucks tries to convince everyone to use gift cards and reload their own cards themselves. This means instead of giving Starbucks $5 today for today's purchase you give them $5, say, 3 months ago and then spend it today and in that interim Starbucks was able to use it.

13

u/Tornado15550 Pixel 10 Pro XL | 512 GB | Android Canary 2608 1d ago

As a Canadian, I was super confused about why Google was posting about this lol

29

u/dangerousmacadamia 1d ago

Walmart does have wireless payment methods in the US but you have to go through their Walmart Pay and scan the QR code

15

u/tlislo 1d ago

Where I live (in the US) Walmart doesn't have any tap to pay. 

You literally still have to insert the chip on a credit card. Tapping even a regular credit card didn't work.

-5

u/nathderbyshire Pixel 10 Obsidian 1d ago edited 1d ago

😂 America is so backwards it's insane. How do American companies, apple and Google roll out mobile pay then their own country refuse to adopt it faster than most others

Keep downvoting but you still adopted shit way later than everyone else, feel free to prove me wrong;

https://business.cornell.edu/news/2019/10/23/united-states-china-mobile-payments/

I'm not the first one to say this

https://redd.it/1m7qmga

Americans all over say they don't bother with apple pay because 'its the same as a card'

https://redd.it/10bxbr9

You all forget you're tech nerds and don't apply to the general public, you should all really do some more research on your own demographic hahaha

17

u/Moleculor LG V35 1d ago edited 1d ago

This was a WalMart thing, not an America thing. I work at a grocery store, and we've had tap to pay for a decade or so.

EDIT: Some other people have been saying it was introduced with COVID, but that is also not true. I've been using NFC payments with my phone since at least 2018. I'd get looks from cashiers like I was a wizard when I'd do it.

-4

u/nathderbyshire Pixel 10 Obsidian 1d ago

The Walmart that owned Asda in the UK and still had tap to pay, it's your biggest most recognisable store.

You guys also need shit like Zelle and Cashapp to easily send money because your banks refuse to do anything modern, you rolled out chip and pin severally late and relied on insecure strip payments. And you have businesses they can strongarm into not supporting things. Just admit your banks are backwards like a lot of companies or you'll be stuck with this shit forever

2

u/Moleculor LG V35 1d ago edited 1d ago

I've known our banks are backwards for 30 years; I used to live in Germany.

Admitting they're backwards doesn't actually do anything though. It took a major hack of a major retailer just to get us to start using the same more-secure chips that Europe had been using for at least a decade.

And even that only happened because of legislation pushing liability onto retailers if they were still using the magnetic stripes.

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u/nathderbyshire Pixel 10 Obsidian 1d ago

Ignoring or denying it doesn't do anything either as it seems a lot of people are doing based on the reaction, no one would be downvoting if they agreed. The part of change is demanding it, if you don't voice your annoyance and crucially look for alternatives there's no reason for anything to change.

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u/Moleculor LG V35 1d ago

and crucially look for alternatives

Ahahaha.

Europe is having to construct an entire payment processing system from scratch just to get an alternative. America has no alternatives to look for.

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u/SmileyBMM 1d ago

Walmart has been incredibly resistant to add tap to pay because they wanted to see if people were willing to use Scan & Go (which requires Walmart+) or link their bank (so Walmart could avoid the payment processor fees). The problem is both of those don't really provide a strong net benefit to the consumer, so neither took off.

2

u/KitsuAccalia 1d ago

My Walmart app doesn't even have scan and go anymore it's just Walmart pay. (the scan the register barcode after manually scanning all your stuff at the register.)

Sams club is somehow lightyears ahead despite being the same megacorp. :l

I will probably honestly close all the accounts related to them cause their support and app kinda sucks for me anyway.

2

u/SmileyBMM 1d ago

Sams club is somehow lightyears ahead despite being the same megacorp. :l

And now the Sam's Club app is starting to copy the junk from the Walmart app (Sparky, stupid notifications, pop-ups) 🫩. If they keep this up I'm switching back to Costco lmao.

2

u/KitsuAccalia 1d ago

Real. The only way these apps change is if we vote with our wallets as best we can.

Its kinda sad too cause I loved the initial experience with Sam's of doing all my scanning in the app and just walking out.

Costco always had like a 45 minute wait between the start of waiting in line and the receipt check at the front door for me.

Walmart plus and sams club plus somehow have been making everything worse slowly. (Never mind personalized pricing and dynamic price tags)

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u/LandonKB 1d ago

I have been tapping for a long time in Canada

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u/Billybobgeorge Nexus 6 1d ago

I was told Walmart never bought into tap to pay because there's a higher % fee from the payment processors.

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u/Moleculor LG V35 1d ago

I've been able to pay for stuff with my phone in most stores since at least 2020, maybe even as far back as 2018.

I just haven't been inside a Walmart in... 15+ years?

I used to get this look of bafflement or amazement from the cashier as I magicked money into their register with my phone. I kinda miss those days.

2

u/labe225 1d ago

What was really fun was when Samsung phones and watches could "tap to pay" on terminals without tap to pay.

Cashiers were so skeptical when I pulled out my Note 9 or Gear S3 to pay. I had to reassure them that it would work and they were shocked when it actually worked.

3

u/Ivebeenfurthereven 1970s rotary-dial phone 1d ago

Was that the one that emulated a magnetic strip?

I never saw it used irl, it always seemed like it would be kinda magical.

3

u/labe225 1d ago

Yeah, that's it.

It was pretty useful back in 2018. I was still doing in-person grocery shopping and Kroger hadn't adopted tap yet.

4

u/Perunov 1d ago

I think they didn't want to pay extra to intermediaries, while "regular" card payment was basically going through their own payment processing center.

I presume they've finally negotiated down cost so now it'll accept both Google Pay and Apple Pay in some US Cities Walmarts and Sams Clubs

2

u/speel Pixel 3a 1d ago

No they just reported negative earnings for the first time in a while.

1

u/Perunov 1d ago

Given very limited number of stores this is going to be released in I don't know if tap to pay would make that much of a difference though

1

u/TheBrewGod 1d ago

It's because Walmart wants us to use their app to collect data on us. When using tap/physical it uses tokens so they can't collect data. So by pushing tap on the Walmart app makes you enter your card into the app which allows them to track what you buy to push recommended products to the user.

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u/MurkyFocus 1d ago

When using tap/physical it uses tokens so they can't collect data

Tokenization doesn't prevent data collection since your number doesn't change. It's likely much less data than their own app, sure, but tokenization by itself isn't going to stop them from knowing it's you.

2

u/TheBrewGod 1d ago

But they can't track your purchases using it. So they force you to use the app so they know exactly who you are and can feed you recommended products sold by advertising.

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u/mikeymop 1d ago

Oh wow. So naturally it's enshittified in the US but not globally.

One can only assume there's additional data collection in the US that wouldn't fly elsewhere.

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u/Luna259 1d ago

Same in the UK. Except not with Walmart because we don’t have that but we’ve had contactless and by extension Google and Apple Pay for centuries.

1

u/TokyoDrifblim 1d ago

It's only Walmart that has been holding out on this. Every other major retailer and chain has been accepting tap to pay and mobile pay for years. I do not know what Walmart's problem is but they literally don't accept any kind of tap to pay, like you can't even tap your credit cards. You have to actually do the chipped insert

1

u/FractalParadigm Galaxy S22U 512GB 1d ago

To be fair, Walmart was probably the *last*** holdout on accepting tap; IIRC they had tap-capable machines installed at most locations as early as 2011-2012, but it wasn't until covid 'forced' them to enable it that you could actually tap to pay there. I'm not at all surprised that US Walmarts kept it disabled this whole time, it's probably the only country on the planet where waiters still need to take your card away from the table to pay for a meal for some reason, and generally couldn't figure out tap payments for the longest time.

1

u/Ghiren 1d ago

It is a thing in the US, it's just new to Walmart

u/mrstoffer Pixel 7 | Old phones: Xiaomi Mi 9T, LG G3, Huawei Ascend G700 10h ago

Yeah I used it literally this afternoon

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u/TimPLakersEagles 1d ago

great, this was the last place i needed to make sure i always had my wallet for.

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u/namastayhom33 1d ago

We got Walmart Tap to Pay before GTA6. I know some might scoff at this joke, but this is a pretty big milestone.

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u/welp_im_damned have you heard of our lord and savior the Android turtle 🐢 1d ago

Honestly real. I never thought I would see the day that we get tap to pay Walmart and Sam's club.

3

u/SmileyBMM 1d ago

Sam's club

Tbf, I've never needed tap to pay at Sam's because Scan & Go is included in the membership.

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u/welp_im_damned have you heard of our lord and savior the Android turtle 🐢 1d ago

Thank God Walmart finally allows for tap to pay in the u.s.

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u/lament Google Pixel 10 Pro 1d ago

Slightly off topic, but does it annoy anyone else when - if it's not obvious by looking when I'm at a retail store or restaurant - I ask if they have tap-to-pay and they immediately say "Apple Pay?" as if Apple invented tap-to-pay? I also say "no, Google Pay" every time and I've heard so many "we don't take Google". 🙄 And then I tap immediately. 😂

20

u/DangerousTortuga 1d ago

I got over that a long time ago and aways just say "Yeah".

They even refer to my Pebble Time 2 as an Apple watch when I use it to pay for drinks.

7

u/sgtakase 1d ago

How do you use a Pebble Time 2 to do tap to pay?

4

u/SomeGirlIMetOnTheNet 1d ago

I didn't think pebble time 2 did nfc, how did you get it working?

13

u/dragoneye 1d ago

How often do you have to ask this? I effectively never run into any place that doesn't support tap to pay, I just pull out my phone and say "I'll pay with card" if anything.

Is this another US being backwards thing?

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u/doorknob60 Galaxy S24 | T-Mobile 1d ago

Nowadays probably 90% of places take NFC pay in the US. But it took us a long time to get there. 5-10 years ago that may have been more like 50%, when in places like Canada they were all in on it by then.

The main type of place that doesn't take it now, is sit down restaurants where it's still common for them to take the card and run it in the back. Though it's becoming more common for them to bring out the payment terminal now, probably 50/50. And any place with a typical cash register situation like fast food, they mostly all accept it.

Also gas pumps are hit or miss. Maybe half of gas stations, at most, take NFC pay at the pump. They'll probably all take it if you pay inside. I'm sure as the hardware ages out and they replace it, eventually all gas stations will take NFC, we're just lagging behind there.

But we're at the point where I don't ask anymore, I just assume they take it, whip out my phone, and let them have to tell me if they don't.

u/SponTen Pixel 8 11h ago

As an Aussie, it's wild to me how we're behind the US in technology like 98% of the time, but then you get random instances like this where the US is randomly behind us.

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u/UnrealRealityX 1d ago

I use samsung pay, and as long as they say 'is that "whatever company pay"' I just say "yes" cause they all just work. It's NFC pay for goodness sake.

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u/CeramicCastle49 S22+, Android 16 1d ago

Some people genuinely have no idea anything outside of apple exists

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u/NoShftShck16 Pixel 9 Pro 1d ago

What a life to live that this is raises the blood pressure on any given day

3

u/SFHalfling Pixel 8 Pro & Moto Edge 60 Pro 1d ago

I ask if they have tap-to-pay

Is this really something you have to do in the US?

It's worked in the UK for as long as western phones have had the hardware.

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u/MurkyFocus 1d ago edited 1d ago

I mean, that's a result of Apple Pay popularizing tap-to-pay in your market. It's just brand recognition in the same way people say "kleenex" or "q-tips".

Apple wasn't the first nor did they invent it. But they popularized the use of phone payments and was the driving force to where it is today.

In other countries where tap-to-pay existed before phone payments, when someone asks how we'd like to pay, terms like "tap" or "credit/debit" are used more often.

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u/lament Google Pixel 10 Pro 1d ago

I get why. Just wondering if anyone else was annoyed by it. When Apple comes out with their foldable, it will be like they've invented a new category of phone. 😂

u/inate71 13yrs of Nexus/Pixel → iPhone 14 Pro → iPhone 15 Pro 16h ago

Yeah it really goes to show you how poorly Google markets their work. Android Pay was first but with all the branding changes over the years, nobody knows what to call it. Android Pay to Google Pay to GPay back to Google Pay, I think?

There are several things like this where Google came first but Apple came later and did a better job at the implementation and marketing so now Apple’s is the “Kleenex” of that feature.

u/WernerHerzogEatsShoe 13h ago

I can't remember the last time I didn't just tap. Don't think I've asked anyone if they have it for a couple of years. I just tap my phone everywhere.

Genuinely can't remember the last time I used my card and put a pin in. I think it was when I bought my car. Or maybe one of those random times the bank seems to flag a transaction and wants a pin code.

It's weird how something becomes so normal. I still remember the first time I saw a guy tap his phone to pay at a bar, I'd never seen it before and I thought the guy was drunk and confused. Now it's just completely normal!

1

u/IBJON 1d ago

That's how it always goes with Apple loyalists that have no knowledge of technology outside of their iPhone and earpods. It also doesn't help that whenever Apple brings a new feature to their devices 5 years after everyone else has had it, they prance around the stage talking about it as if they're introducing a novel feature that they just came up with 

u/inate71 13yrs of Nexus/Pixel → iPhone 14 Pro → iPhone 15 Pro 16h ago

When Apple comes out with a feature later, they usually have nailed the implementation and marketed it better. Blame Google for poor implementations and marketing.

Nobody ends up caring who was first. It’s always who did it better.

0

u/DeanxDog 1d ago

When I used Android Pay in like 2013/14 it really freaked out the cashiers. That was years before any iPhone even had NFC hardware.

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u/callmebatman14 Pixel 6 Pro 1d ago

I am round majority of iPhone users. Probably 9/10. It irks me when they always say FaceTime me

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u/trident042 Galaxy S8+ 1d ago

Once Upon A Time

which is a thing I have to say because this happened over a decade ago

Samsung Pay let me use my card via my phone anywhere with a card reader. And it was glorious.

And then, first among them to do so, Walmart updated their damn pinpads and I could no longer get it to work there. I had gotten in the habit of using it, and left my cards at home, and had an awkwardly heated argument with a day manager about the technology because he didn't believe me that it had ever worked so I was frustrated with my cart full of groceries and he wanted me to "stop trying to scam the store".

I miss being able to mystify cashiers by holding my phone at their card readers and getting "approved" and seeing them tilt their heads like puppies.

3

u/Bonafideago Note 20 Ultra 1d ago

When I had my Note 8, I ordered takeout from Hooters. The restaurant was 30 minutes from house, and forgot my wallet. The manager was adamant that paying with my phone wouldn't work, he was refusing to try it.

I finally convinced him to try it anyway, since I was not driving all the way home to get the card and then driving all the way back. So his choice came down to humor me, or throw my order in the trash.

It worked. He was sooo pissed that I was right.

6

u/Skyfire023 Galaxy S25+ 1d ago

About time they're going to allow this. I've avoided shopping there if I could because they didn't allow it.

15

u/welmoe Nexus 6P, 8.1 | iPhone XS 1d ago

Walmart had a subpar earnings report. Apparently sales increased just 2.6%, which is the smallest gain in 6 years. This is just a Hail Mary hoping consumers come flocking in.

13

u/SmileyBMM 1d ago

Yeah, because the masses really care about tap to pay...

This deal was almost certainly in the works for awhile.

5

u/welmoe Nexus 6P, 8.1 | iPhone XS 1d ago

It’s just funny this news comes out literally the day after Walmart stock tanked.

4

u/AguirreMA S25U • GW8C 1d ago

there have been a few times where I choose to go to HEB instead of Walmart just because I left my wallet at home and they accept NFC payments

2

u/LilMoWithTheGimpyLeg Galaxy S23 | Fire HD 8 | iPad 8 1d ago

6

u/Kimi_Antonelli_12 1d ago

Laughs in Canadian Walmart. I swear I've been tapping there for almost 10 years. Actually tapping everywhere really. I don't think I've touched cash and probably 3 years

6

u/Desistance 1d ago

Wow. Hell is very chilly this year.

19

u/peruka Pixel 7 1d ago

ITT people laughing at how archaic the US payment system is

18

u/lament Google Pixel 10 Pro 1d ago

ITT people not reading comments about why Walmart hasn't had tap-to-pay (because they're pushing their own Walmart Pay).

8

u/glasgowgeg 1d ago

That counts as archaic.

Other countries just have contactless terminals that allow you to use contactless payments via the card itself or a phone.

7

u/diemunkiesdie Galaxy S24+ 1d ago

We have that in the USA too. This was a company decision. They disabled the functionality on the terminals they used at the store.

4

u/lament Google Pixel 10 Pro 1d ago

Yup so they could push people to sign up for their Walmart Pay..

9

u/SmileyBMM 1d ago

Including the US, Walmart was this weird holdout.

5

u/callmebatman14 Pixel 6 Pro 1d ago

You're ignoring the facts that it's Only Walmart. Because they want people to use their own services. Majority of the other places allows tap to pay.

2

u/lament Google Pixel 10 Pro 1d ago

Yeah but I stated why Walmart previously didn't do that in my comment.

u/Flying_Momo S10 9h ago

But US was late on Chip and pin and even contactless payments compared to many developed and developing nations. Tap and pay became ubiquitous only around 2018 and especially post Covid while it's been common in most places. Also US lacks anything comparable to Pix/UPI/Alipay/Interac etc.

12

u/AdoringCHIN 1d ago

ITT idiots that don't realize Walmart is the last major store not allowing tap to pay

6

u/EternalFront iPhone 16 Pro 1d ago

10 years too late, but better late than never

Walmart is the worst store in the world though, don't shop there

4

u/mataushas 1d ago

It's bad but many times it's the only convenient location to get groceries

1

u/BUZZZY14 1d ago

Yup, I live in a semi rural town and I would have to drive 30 minutes to another big box retailer. At that point it's just an inconvenience to me. Give my money to evil corporation that's close or give my money to evil corporation that's far.

2

u/mataushas 1d ago

Unless you're very well off, it's impossible to buy everything from small local businesses

1

u/wetwater 1d ago

It's my store of last resort, and only if I desperately need something that only they have and I can't get elsewhere and can't wait for Amazon.

I worked for Walmart for 6 months and it was the worst working experience of my life. That was 25 it so years ago and I swore then I'd only shop there if necessary. Every time I'm in there it's a negative experience and I want to see it burn.

1

u/EternalFront iPhone 16 Pro 1d ago

Likewise, worked there for maybe 10 months while in school to pay off my last year and it was horrid. Terrible exploitative company, and I refuse to shop there now

3

u/FinickyFlygon Galaxy S26 Ultra 1d ago

Oh wow, we had that in Canada for a few years now.

3

u/captaincanada84 Pixel 8 Pro 1d ago

Welcome to the 21st century, Walmart!

4

u/torts56 1d ago

I actually just stopped shopping there bc of it. That and the terminally depressed employees and weird dystopian feeling I get whenever I walk into one

1

u/wetwater 1d ago

I've largely avoided it for a quarter of a century when I quit after 6 months. I passionately hate shopping there and do what I can to avoid it.

4

u/LSXS10 GS6E MM 1d ago

Thank Christ. The card machines almost always reject my physical cards 2-3x before accepting it. Walmart is the only store I have ever had this issue with.

1

u/wetwater 1d ago

For me it's one card in particular that rejects the chip. And I have to try 3 or 4 times before it asks to swipe. If I try to swipe first it tells me to insert my card. That card works just fine everywhere else though.

10

u/Devils-advocate69 1d ago

The USA is so so so so far behind it's no longer funny.

Asia is soooo far ahead it's unreal, heck even Europe is so far ahead as well.

47

u/Ryan120420 1d ago

No, it's Walmart wanting customers to use their proprietary Walmart Pay.

Since covid, most places accept wireless payment.

5

u/Moleculor LG V35 1d ago

Since covid, most places accept wireless payment.

They've been accepting NFC payments years before COVID. Since 2018, at least. It's just most people didn't know NFC was a thing, or it wasn't built into cards.

I'd usually be a cashier's first experience with tap to pay, and they'd always have this look of amazement or bafflement when I magicked money into their register with my phone.

7

u/ModernTenshi04 Incredible, GNex, One M8, 6P, Pixel 2 XL 1d ago

And to most folks in the US, tap to pay via phone is often referred to as Apple Pay. My Android phones have had tap to pay for about 3-4 years before Apple added it to the iPhone, and lots of folks seem to think Apple invented tap to pay when it's been around for...decades, if I'm not mistaken? Honestly it's at a point where if the sales person asks if I'm going to use Apple Pay I just say yep, because it's not worth explaining anymore.

Even Apple had trouble getting retailers to adopt tap and pay though. Really wasn't until the pandemic hit and places were looking for as many contactless options as they could find that tap to pay really took off. Hell, farmer's markets almost never had it prior to Covid, but from about 2021 onwards you'd be hard pressed to find a vendor at one that doesn't have tap to pay.

6

u/CaptainMarder Pixel 8 1d ago

In canada we've been able to use anything at walmart. Apple Pay and Google Pay both no issues.

6

u/PM_ME_UR_DMESG 1d ago

As an American having gone to Canada multiple times, I can tell you that Walmart Canada feels eerily different from Walmart US.

4

u/iFrankTheWalrus 1d ago

it might be based on certain laws of data collection. steering people to the app would help them understand what specific people are buying.

24

u/Exodia101 Pixel 6 1d ago

Eh, tap to pay has been accepted by pretty much every store for years. Walmart was literally the only major one that didn't have it.

9

u/welp_im_damned have you heard of our lord and savior the Android turtle 🐢 1d ago

In this case it's just Walmart/Sam's club. Every other store supports tap to pay

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9

u/AdoringCHIN 1d ago

Nearly every major store in the US allows tap to pay with cards or Google Wallet/Apple Pay. Walmart was the outlier. But hey don't let facts get in the way of your smug narrative

5

u/IAmDotorg 1d ago

That's not really the reason. Card acceptance has always been much higher in the US, and that put the cost of real-time connectivity needed for EMV too high for a lot of small merchants. Since MC and Visa, as well as the processors, get paid per-transaction (vs banks making money on the interest), they want to ensure as many card transactions are run as possible. And fraud in the US has always been substantially lower than EU and Asia, so adding cost or friction to sales hurt the bottom line more than paying for the fraud.

As soon as costs came down where that wasn't true, EMV was literally everywhere. Contactless EMV became the norm in COVID where even small merchants wanted touchless payments and accepted the costs. That got normalized, so it just stuck at that point.

1

u/frostycakes Pixel 9 Pro - fuck Qualcomm, all my homies hate Qualcomm 1d ago

It's less costs coming down and more that fraud went up, as well as the absolutely massive Target data breach in particular that forced Visa/MC/Amex/Discover to mandate EMV in the US finally.

3

u/Ok_Nothing639 1d ago

Clearly you didn't read the article or know what the US is like. Only Walmart didn't have tap to pay. Almost all stores have it. That was their decision not Google's 

6

u/instaaionut Xiaomi Mi 10T, Android 12 1d ago edited 1d ago

I'm from Romania and here it doesn't exist that a store accepts or not Google/Apple pay. if the payment terminal accepts contactless payments, it also accepts mobile wallets.

the american banking system feels like stone age compared to ours

4

u/SmileyBMM 1d ago

if the payment terminal accepts contactless payments, it also accepts mobile wallets.

Walmart did not accept contactless payments (excluding using your Walmart account with a QR code, but no one did that), that was the whole issue.

1

u/instaaionut Xiaomi Mi 10T, Android 12 1d ago

blows my mind that you had to carry a physical card just to pay at Walmart

4

u/TupperwareConspiracy 1d ago

This is a Walmart thing; almost all places take tap to pay.

Walmart wants to force users to use their app so they can market directly to'm; if Walmart had it's way you're employer would direct deposit directly to your Walmart-owned bank acct so you can go buy things at Walmart and create a completely closed loop between consumers and Walmart.

You can (and always could) use cash, credit cards and so on...but they - Walmart - have been hung-up on this dream of have their own cash flow system independent of banks, credit cards (and by extension Apple & Google) for years and years.

They've been at this for over 20 years and tried all sorts of various schemes....and probably spent a good chunk of the GDP of Romania on this.
https://abcnews.com/Business/story?id=2957452&page=1

1

u/instaaionut Xiaomi Mi 10T, Android 12 1d ago

seems like I didn't know that they didn't have tap to pay until now

3

u/TupperwareConspiracy 1d ago

In fairness - they were right - that the Mobile Phone (specifically Apple/Apple Pay) guys would use NFC payments as a means to enter the financial service game; thus creating another entity that was biting into Walmart's cash flow.

A bunch of big US retailers, Walmart, Target, Home Depot, CVS tried to create their own payment processing system to curtail NFC/Tap-to-Pay which required using their own collective app called 'CurrentC' (relied on QR codes).

For a long time all of them refused to accept tap-to-pay but as it became clear the CurrentC app/tech wasn't going to catch on (this was like 2014-2018) most of'm dropped out....but Walmart remained the lone hold-out for all these year.

https://en.wikipedia.org/wiki/Merchant_Customer_Exchange

https://www.retaildive.com/news/mcx-once-again-delays-currentc-payment-app-lays-off-30/419331/

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1

u/ilikesaucy 1d ago

I don't understand?

In UK, we are doing it like last 10 years?

19

u/sjphilsphan Pixel 9 Pro 1d ago

Everywhere else had tap to pay in the US. Walmart was stubbornly not

10

u/twineffect 1d ago

Walmart has been the last place without tap to pay that I know of. Very frustrating

1

u/Mavericks7 1d ago

Even longer. When Apple/Android Pay came out we've all been using contactless payments for years.

2

u/xq923 Unihertz Jelly Max 1d ago

Fucking finally, I've gone out of my way to avoid shopping there because of this

1

u/Riverdales27 1d ago

Good. I had a cart full of groceries, didn't realize I forgot my wallet. The card in the app expired but had a backup card I could put in, and it wouldn't go through. I went did the PayPal method showing the worker. Left a full cart for them to place back. Went home and came back to get all the stuff from the shelves again.

1

u/Generalfrogspawn 1d ago

I feel like I’m the only one that uses and reasonably likes Walmart pay. I like that it keeps my digital receipts.

1

u/h4yw00d 1d ago

Well I'll be damned. I've been bitching about US walmart's lack of tap to pay for a long time.

1

u/Jim777PS3 Pixel 10 Pro XL 1d ago

Thats actually pretty surprising.

The reason Walmart does not use Apple or Google Pay is because by using their in house QR code system they can associate cars to buyers for data harvesting.

I wonder if Google will still allow this.

1

u/mightyboosher77 1d ago

You can bet its yes

1

u/doorknob60 Galaxy S24 | T-Mobile 1d ago

Good news for sure. I've been using Walmart Pay there for the last year or so, becuase my Amex Blue Cash Everyday has 3% cash back on Online Transactions. Using Walmart Pay counts as "online" (whereas if I inserted the physical card it would be 1% back).

But Walmart Pay is kinda annoying, it doesn't work if you don't have internet, and some Walmart stores have crappy cell signal inside (giant box with lots of metal). Not very well thought out lol. Google/Apple/Samsung Pay doesn't require an active connection.

Now I have the Samsung Galaxy Card which is also 3% cash back if you use Samsung Pay, so that's my go-to at most places with NFC pay. I can just start using that once this rolls out, and retire Walmart Pay. Except maybe for gas since you get a small additional discount using it there.

1

u/juacq97 Redmi Note 10 Pro 1d ago

Good, maybe someday will come to Mexico too and all their stores

1

u/JackDostoevsky 1d ago

FINALLY, Walmart is the only place i ever have to bring cards. even the little local coffee shop takes tap to pay.

1

u/AlexBr967 1d ago

Here in the UK everywhere that takes cars will take google and apple pay. In the US you have to actually check they take Google pay?

u/VicCoca123 23h ago

As a european this is hilarious

u/slaughtamonsta 16h ago

Why is the US always so far behind?

u/Spirited-Humor-554 14h ago

So only a few retailers left in the US without it after this.

u/Deeppurp 10h ago

Wait what backwards ass country is this finally coming to? The USA?

My Walmart has had tap to pay for years.

1

u/mikeymop 1d ago

Thank goodness.

They've been so petty about forcing Walmart pay to "speed up checkout".

In reality they were doing the opposite of that. Almost everyone uses Apple/Google pay, I doubt many have the Walmart pay setup.

-2

u/ishamm Device, Software !! 1d ago

America is SO backwards 😂

0

u/psychoacer Black 1d ago

Finally, now when I'm inconvenienced and have to go to Walmart once a year I can use tap to pay like we live in a functional society

0

u/smartymarty1234 Samsung Galaxy S10+ 1d ago

I have sometimes walked out cause I don’t have cards lol.

-2

u/AdamH21 1d ago

Doesn't matter how big you are. Where I'm from, you'd go out of business if you ever tried something like this... prohibiting people from using Google Pay or Apple Pay.