Does Walmart Take Cash App in 2023? (How To Use + More)

The short answer is – yes, most Walmart stores accept Cash App as a payment method as of 2023. But how exactly can you use Cash App at Walmart? As an ecommerce expert and seller, let me walk you through everything you need to know about making Cash App payments at Walmart stores across the country.

A Quick Intro to Cash App

For those new to Cash App, it‘s a fast-growing mobile payment app developed by Square that lets you send, receive, and request money from other users. Like Venmo or PayPal, it offers peer-to-peer money transfers but has expanded to provide additional financial services.

With Cash App, you can:

• Instantly send/receive money to friends & family
• Receive direct deposits
• Buy & sell Bitcoin
• Get a free customizable debit card (Cash Card)
• Make purchases online or in stores

Cash App has amassed over 40 million active monthly users as of 2022. It‘s become a popular way for people to share costs, split bills, pay back friends, etc.

And now with Cash App‘s partnership with Walmart, you can use it to make purchases at one of the largest retail chains.

Next, let‘s dive into the details on how to specifically use Cash App at Walmart stores.

Can You Use Cash App at Walmart?

Thanks to Square‘s software updates to merchants in recent years, most Walmart locations across the United States now accept Cash App as a form of payment.

This acceptance is possible because Square owns and operates the Cash App. By rolling out new point-of-sale software updates to Walmart stores, Square has enabled Cash App payments in thousands of Walmart locations.

However, there may still be some outlier Walmart stores that have not yet adopted Square‘s latest software update. So Cash App acceptance is not quite universal yet.

My recommendation is to still carry a backup payment method when shopping at Walmart until Cash App becomes 100% accepted. But you should be able to use Cash App at 9 out of 10 Walmart locations already.

Below I‘ll explain exactly how to use Cash App at Walmart in more detail.

2 Ways To Pay With Cash App at Walmart

There are two main methods you can use to make a Cash App payment at Walmart:

1. Pay With Cash App Card

The simplest way is to pay using your Cash App debit card, also known as the Cash Card.

Here‘s a step-by-step guide to getting and using a Cash App card at Walmart:

Get a Cash App Card

• Download the Cash App mobile app
• Create an account and link a bank account or debit card
• Tap the profile icon in the top right corner
• Scroll down and tap "Cash Card"
• Tap "Get Free Cash Card" and follow the prompts

• Cash App will mail you a free customized Cash Card within 5-7 business days

Activate Your Cash Card

• When your Cash Card arrives, open the Cash App
• Tap the profile icon, then "Cash Card"
• Follow the instructions to activate your physical card

Benefits of the Cash Card:

• Issued by Sutton Bank
• Runs on the Visa network
• Lets you pay online or in stores anywhere Visa is accepted
• Acts as debit card connected directly to your Cash App balance
• Completely free – no fees, no minimums

Pay at Walmart with Cash Card

Once activated, you can use your Cash Card to pay at any Walmart that accepts Visa debit:

• When checking out at Walmart, insert your Cash Card into the payment terminal
• Select "Credit" or "Debit"
• Enter your PIN or sign the receipt

It works just like any other debit card! The payment amount will deduct directly from your Cash App balance.

2. Pay with Cash App QR Code

You can also pay at Walmart with Cash App by having the cashier scan a unique QR code linked to your account.

Here are the steps to pay with a Cash App QR code:

• Open the Cash App
• Tap the profile icon
• Tap “Scan to Pay”
• Enter the payment amount
• Generate a scannable QR code
• Show the QR code to the Walmart cashier to scan at checkout

When the cashier scans your QR code, it will pull the funds directly from your Cash App balance.

This works because Walmart uses Square payment terminals that support QR code scanning. As long as the cashier knows how to scan codes, you can easily pay with your Cash App QR code.

The only requirement is having enough battery life on your phone to generate the live QR code.

Do Cash App Cards Work at Walmart?

Yes, Cash App debit cards (Cash Cards) will work to make purchases at most Walmart stores across the United States.

This is because all Cash App cards:

• Are issued by Sutton Bank
• Run on the Visa network
• Function just like any other Visa debit card

And Walmart accepts all major credit and debit cards, including Visa.

So as long as your local Walmart location accepts Visa debit cards, your Cash App card will work there too.

You don‘t need to tell the cashier you‘re paying with a Cash App card or do anything special. Just insert or tap your card at checkout. Enter your PIN or sign the receipt, and your purchase amount will be deducted from your Cash App balance.

One thing to note – you must have a physical Cash App card to pay this way, as virtual card numbers are not accepted. But ordering a free Cash App card is easy within the app.

Can You Use Cash App at Walmart Without a Card?

Don‘t have a physical Cash App card? Not a problem. You can still use Cash App to make purchases at Walmart without a debit card by using the QR code method.

Here are the steps to pay at Walmart with Cash App without a card:

1. Open the Cash App on your mobile device
2. Tap on your profile and select "Scan to Pay"
3. Enter the payment amount for your Walmart purchase
4. Generate a unique QR code within the app
5. Show the QR code on your phone to the Walmart cashier
6. Have the cashier scan your QR code to collect payment

As long as the Walmart checkout counter has a Square payments device that can scan QR codes, this should work at most locations.

You just need to have the Cash App open on your phone to produce the live QR code.

It takes a few extra steps compared to swiping a card, but is handy if you don‘t have your physical debit card but need to pay with your Cash App balance.

Tips for Using Cash App at Walmart

When paying with Cash App at Walmart, either through your Cash Card or a QR code, keep these tips in mind for a smooth transaction:

• Check your balance first – Make sure you have enough funds in your Cash App account to cover the full purchase amount before checking out.

• Notify the cashier – Let the cashier know you‘ll be paying with Cash App before they start scanning your items. This allows them to prepare for the right payment flow.

• Have a backup payment ready – In case there are any hiccups with Cash App acceptance, keep a backup Visa/MasterCard or cash ready to complete your purchase.

• Ensure your phone is charged – When paying with a QR code, make sure your phone battery is charged enough to display the code. Bring a portable charger just in case.

• Know your Cash Card PIN – To pay with your Cash App debit card, enter your 4-digit PIN confidently like any other debit transaction. Signing is also an option if the terminal supports it.

• Save your receipts – Keep your digital or paper receipt for your records, especially for returns, exchanges, or warranties.

• Contact support if issues – Cash App and Walmart both have customer support you can reach out to if there are any problems or questions about your Cash App transaction.

Following these tips will ensure paying with Cash App at Walmart is quick and hassle-free at checkout.

Cash App Payment Data at Walmart

To give you an idea of how widely used Cash App is at Walmart, here are some interesting data points:

• 40% – Percentage of Walmart locations that accepted Cash App payments as of Q1 2022, according to Square.

• 6.2 million – Number of monthly Cash App transactions made at retail stores in December 2021, up 2 million from the previous December.

• 41% – Increase in year-over-year retail spending via Cash App when comparing December 2020 to December 2021.

• $2.7 billion – Total amount spent via Cash App‘s peer-to-peer payments in Q4 2021 alone.

This data shows the rapid growth in consumers adopting Cash App as a payment method, especially for in-store shopping at major chains like Walmart.

Adoption is likely to increase further in 2023 as more Walmart locations integrate the latest Square point-of-sale software.

Pros of Using Cash App at Walmart

Why should you consider using Cash App at Walmart for your shopping? Here are some of the biggest benefits:

• It‘s convenient – Pay directly from your phone without needing to carry physical cards or cash.

• Quick checkout – Cash App payments are fast thanks to QR code scanning or tap-and-go cards. No more fumbling for your wallet.

• Rewards possibilities – Cash App or other linked cards may offer cash back, points, or other rewards on your Walmart purchases.

• Buyer protection – You get the same fraud protection and purchase benefits as you would with a regular debit or credit card.

• Easy money management – Cash App‘s interface lets you easily track your spending and balances across stores like Walmart.

• No fees – Cash App does not charge any transaction fees for payments. And the Cash Card itself is totally free.

For convenience, speed, rewards, buyer protection, and seamless money management, Cash App is a great payment option for Walmart shopping.

Potential Cons of Using Cash App at Walmart

However, there are a couple potential downsides to consider with Cash App:

• It‘s newer – Cash App is still not accepted everywhere. Some Walmart locations may not take it yet.

• Requires a smartphone – You must have a mobile device to generate QR codes or access your digital card number if your physical card is lost.

• Security risks – Possibility of hacking or scams. Be sure only to send money to trusted recipients.

• No credit building – Cash App doesn‘t help build your credit score like a credit card transaction would.

While its advantages outweigh the drawbacks, be aware of these points before making Cash App your primary payment method at Walmart or anywhere else.

The Bottom Line

Thanks to Square‘s software updates, most Walmart stores across the U.S. now accept Cash App payments through either your Cash Card or QR code.

As a top ecommerce seller and payments expert, I highly recommend using Cash App at Walmart for quick, convenient checkout and purchase tracking.

Just notify the cashier you’ll be using Cash App, have a backup payment ready, keep your phone charged, and you’re all set. Contact Walmart or Cash App support if any issues arise.

With Cash App integration rolling out to more businesses, it‘s undoubtedly becoming the future of mobile payments – including at retail giants like Walmart. Give it a try next time you shop!