What Buy Now, Pay Later Does Walmart Accept? (Explained)
Several financial companies facilitate the ‘buy now, pay later scheme. This scheme helps customers pay for their goods and service in installments for months after obtaining or enjoying the service.
Walmart, a leading retail chain in the US, also adopts this payment method through specific financial companies. So, what buy now, pay later does Walmart accept?
Walmart accepts Affirm, Quadpay (zip), Klarna, and Paypal Pay in 4 for buy now, pay later. Earlier, Walmart also accepted Afterpay for buy now, pay later but discontinued its acceptance in 2021. In addition, Walmart does not accept Sezzle for buy now, pay later, even though it is also popular in the US.
Does Walmart Accept Afterpay for Buy Now, Pay Later?
Walmart is no longer in partnership with Afterpay. So, you cannot use Afterpay for ‘buy now, pay later at Walmart’ because it is not a payment provider for Walmart.
Afterpay was a payment provider for Walmart until 2021 when Walmart decided to end its partnership. Payment providers like sizzle are also not linked to Walmart.
However, Walmart currently accepts various purchases and process options such as Quadpay, Affirm, PayPal Pay in 4, and Klarna. So you can make payment through the above listed.
Financing services processes for Affirm, Klarna, QuadPay and PayPal Pay in 4 vary, but customers use all four of them to make payments at Walmart.
These four are alternative options for Afterpay. So, when you next want to use buy now, pay later at Walmart, it’s no use considering Afterpay because Walmart would not accept your payment.
You may be wondering why Walmart does not accept payment for buy now pay later from just any payment financier.
Below is a table showing some features as to why Walmart accepts and rejects some of these payment companies or does not partner with them.
| Payment Providers Accepted by Walmart | Payment Providers Not Accepted by Walmart |
|---|---|
| Walmart accredits the company’s App. | Walmart does not accredit the App. |
| The company’s App offers a long payment installation period. | The company’s App does not offer long payment installation periods. |
| Walmart judges the company and its App as reliable | The company or its App is not reliable. |
Is Walmart’s Buy Now, Pay Later Compatible with Klarna?
Yes, Walmart’s buy now, pay later is compatible with Klarna. You can find Klarna as a payment method at their checkpoint or point of purchase.
Walmart is in partnership with Klarna and thus allows Klarna to finance payments for customers.
Qualified Klarna customers can choose from a 6-month or 12-month installment plan for buy now and pay later at Walmart.
To use Klarna as a means of payment at a Walmart store, simply download the Klarna App from Google PlayStore or the App Store using your mobile phone or gadget.
Afterward, search for Walmart from the home screen, select products you want to shop for, and add them to your cart.
Proceed to checkout, click on shop with K, and then choose your payment pattern.
Now you know that Klarna’s mode of operation as a payment medium is not just compatible with Walmart but also accepted by Walmart.
Then, Klarna is not just compatible but also accepted by Walmart, so when next you make a ‘buy now, pay later purchase, you could go for Klarna as a payment option without a doubt.
How Do I Use Affirm for Buy Now, Pay Later at Walmart? (Step by Step)
Using Affirm as a payment method for Walmart purchases is straightforward.
Just shop at Walmart by picking items you want to purchase, choose how to pay at Walmart (Affirm), and choose a payment plan.
Interestingly, Affirm is Walmart’s official financing partner, so you can use buy now, pay later with Affirm at Walmart.
Additionally, Affirm allows customers to make payments for small purchases in small increments over 3 to 24 months. However, the interest rates vary depending on the duration.
Below is a step-by-step guide on how to use Affirm to make ‘buy now, pay later purchases on Walmart:
- Shop at Walmart. Pick a list of items you want to purchase and add them to your cart.
- Choose a payment option at Walmart.
- Download the Affirm App or visit affirm.com.
- Check if the payment option you choose qualifies you for Affirm services. Once qualified, you can select your repayment schedule, which can be 3, 6, or 12 months. Some locations offer a 24months repayment plan.
- You will then receive a one-time barcode; scan this barcode to pay for your purchases or complete an order with Walmart.
- When you do this, you just sit back and pay in monthly installments until you’ve paid completely.
Affirm sends messages via Email and texts, so you don’t miss out on your monthly payment.
Your scheduled payment for every month depends on the total price of your purchases and the payment duration you choose.
Can I Use Sezzle at Walmart?
Sezzle is not a payment platform at Walmart, so you cannot make payments to Walmart via Sezzle.
Similarly, you cannot use Sezzle as a payment provider to finance your payment for buy now; pay later on Walmart.
Sezzle finances customers’ purchases, allowing them to pay within six weeks, depending on the customers’ payment option.
Their services are flexible and customer-friendly, with an interest rate split into four interest-free installments.
However, Walmart is not working with Seezle because Seezle’s mode of operation is not compatible with Walmart.
The Google pay or Apple Pay option is not available on Walmart, so payments cannot be made by a link to a Sezzle’s virtual card, making financing purchases on Walmart impossible.
Does Walmart Accept QuadPay?
Yes, Walmart collaborates with Quadpay, a means of payment for buy now, pay later on Walmart.
Just as in the case of Affirm, Walmart recognizes and accepts QuadPay as a payment medium.
You can make a buy now, pay later purchase on Walmart, using the Quad Pay App to make payments for purchases pending when you can repay.
Therefore, QuadPay, also known as zipping, is fully functional at Walmart. Walmart accepts payment through QuadPay, and its processes are very simple.
Simply get the Quad Pay App, create an account, add the items you want to purchase on your cart, choose Quadpay as a payment option, choose your payment plan, and you’re good to go.
Conclusion
Not all payment providers are in cooperation or linked with Walmart. That is why Walmart only accepts payments for buy now and later through payment providers they recognize.
For buy now, pay later, Walmart accepts, Klarna, Affirm, Quad Pay(Zip), and PayPal Pay in 4, and using these platforms are quite simple.
On the other hand, you cannot use Afterpay and Sezzle to buy now; pay later at Walmart.
