Does Walmart Take Afterpay – Plus Payment Alternatives You Can Use

With the increasing popularity of the Buy Now, Pay Later (BNPL) option, it’s not surprising that many shoppers are curious whether they can use Afterpay at one of America’s largest retailers

Walmart does not currently accept Afterpay as a payment method.

Don’t get disappointed just yet! Despite Walmart not accepting Afterpay, other payment options are available for shoppers. This includes a parternership with Affirm which is an Afterpay alternative.

We’ll dive deeper into Walmart’s payment alternatives, which can still help you manage your expenses and enjoy the benefits of the Buy Now, Pay Later programs.

How Afterpay Works

Although Walmart doesn’t take Afterpay, its still important to understand how it works; especially if you plan to use it at another retailer.

4 Installments

Afterpay is a popular payment option that allows customers to split their purchase into four equal installments paid every 2 weeks. When using Afterpay, customers do not need to pay the entire amount upfront. They simply make an initial payment of 25% at the time of purchase and continue to pay the remaining amount over the next six weeks.


One of the significant advantages of using Afterpay is that it is interest-free. Customers can enjoy the benefit of spreading their payments without additional costs or hidden fees, making it an affordable option when shopping for large purchases or dealing with unexpected expenses.

Six Weeks

The entire Afterpay payment process takes six weeks to complete. After the initial payment, customers must make subsequent payments in equal installments every 2 weeks over the next six weeks. This time frame allows customers to effectively manage their finances and avoid the stress of large lump-sum payments.

Late Fees

Customers need to make timely payments to avoid any late fees. Afterpay automatically deducts payments from the customer’s debit or credit card on the due dates. If customers cannot pay, they should log in to their Afterpay account and make the payment manually before the due date. Afterpay may charge a fee in case of late payments, impacting the customer’s credit score.

Alternatives to Afterpay

While Walmart does not accept Afterpay, several other “buy now, pay later” options are available to shoppers. Here, we’ll discuss some of the most popular alternatives, including Zip, Quadpay, Affirm, Klarna, Sezzle, and PayPal Pay in 4.


Zip is a flexible payment solution that allows customers to purchase online and pay later in installments. Although not accepted at Walmart, Zip is still an option when shopping at other retailers.


Like Zip, Quadpay lets shoppers split their purchase into four interest-free payments over six weeks. While Walmart does not officially accept Quadpay, this service is available at many other online stores.


Walmart has partnered with Affirm to offer customers a financing solution. Affirm allows shoppers to split their payments into monthly installments over a set period, typically 3 to 24 months, making it easy to manage larger purchases.

There’s also plenty of 0% financing offers on select products, and tons of eligible categories to meet your shoping needs. Whether its a new Samsung TV you’ve got your eye on, or if you just want flexibility across a range of products, Affirm is the way to go. It’s the clear equivalent of Afterpay, and works much the same.


Klarna is another popular “buy now, pay later” service. Many online retailers use it to provide flexible payment options, including interest-free installments and payment deferrals. Walmart, however, does not currently accept Klarna as a payment method.


Sezzle operates similarly to other “buy now, pay later” services by breaking the purchase amount into four interest-free installments. Although Sezzle is not accepted at Walmart, it remains a viable option for those shopping with other participating retailers.

PayPal Pay in 4

Walmart accepts PayPal Pay in 4, a convenient payment option within the PayPal platform. Shoppers can split their purchase into four interest-free payments, with the first installment paid at the time of purchase and the remaining three payments due every two weeks.

You may have noticed Google Pay didn’t make this list. Thats because Walmart doesnt take that either, however they do have their own Walmart Pay option which works similarly.

As with any retailer, familiarize yourself with the terms, interest rates, and any fees associated with each service.

Pros and Cons of Using Afterpay

Although Walmart doesn’t accept Afterpay, understanding the pros and cons of using Afterpay can be valuable to shoppers considering this payment option. If its an app you love to use, and you’re okay shopping with another retailer, then you can expect the following offers:


  • No interest charges: Unlike credit cards, Afterpay doesn’t charge interest on purchases. This can save you significantly compared to financing your purchases through traditional credit cards.
  • Instant approval: With Afterpay, you receive instant approval for your purchase, eliminating the need to wait for a credit check or processing before using your account. This can be particularly helpful for those needing to make urgent purchases.
  • Simple installment plans: Afterpay enables customers to split their purchases into four equal installments, often with no upfront fees, providing an easy-to-manage financial solution.


  • Purchase regulation: Afterpay regulates purchases more than most BNPL apps, so you may occasionally face spending limits or transaction restrictions. This could be a disadvantage for those seeking to buy higher-priced items.
  • Late fees: If your payment is declined or not made within the 24-hour grace period, Afterpay charges a late fee which can add up if you repeatedly miss payments.
  • Impact on finances: Relying too heavily on BNPL services like Afterpay can lead to poor financial habits, overspending, and a lack of awareness about your actual expenses. This can impact your overall financial health in the long run.
  • Limited acceptance: Not all retailers, including Walmart, accept Afterpay as a form of payment. This restricts your shopping options, mainly if you prefer Afterpay as your primary BNPL service.

Final Thoughts

Walmart has indeed become a favorite retailer for many shoppers, offering a wide range of products from top brands at competitive prices. Although the retailer does not accept Afterpay as a payment method, various alternative payment options are still available, including Quadpay, Affirm, Pay in 4, and Klarna.

For customers who prefer contactless payments, Walmart also accepts Apple Pay and other digital wallets on their website and in-store. Their mobile app further enhances the shopping experience, providing a seamless interface for purchasing and tracking orders.

Regarding payment plans, customers can opt for Affirm, which enables interest-free financing over 3, 6, or 12-month payments, or use services like PayPal Pay in 4, which allows splitting payments into four manageable installments. This flexibility makes it convenient for buyers to choose the payment plan that suits their budget and needs.

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