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How to Use EBT on Walmart Pay: A Comprehensive Guide

Using your Electronic Benefits Transfer (EBT) card at Walmart has become incredibly convenient with the advent of Walmart Pay. This mobile payment system allows you to seamlessly use your EBT card alongside other payment methods. In short, here’s the breakdown: You can use your EBT card on Walmart Pay for eligible purchases both in-store and online (for pickup and delivery, where available), by adding it as a payment method in the Walmart app.

Adding Your EBT Card to Walmart Pay

Adding your EBT card to Walmart Pay is straightforward. The Walmart app makes it easy to manage your payment options, including your EBT funds.

Step-by-Step Guide:

Download or Open the Walmart App: If you don’t already have it, download the Walmart app from the App Store (iOS) or Google Play Store (Android). If you do, ensure it’s updated to the latest version.
Sign In or Create an Account: Open the app and sign in with your existing Walmart account. If you’re a new user, create an account by providing the necessary information.
Navigate to Payment Methods: Once logged in, tap the menu icon (usually three horizontal lines or an account icon). Look for “Walmart Pay,” “Payment Methods,” or “Wallet” within the menu options and select it.
Add a New Payment Method: You should see an option to “Add a new payment method.” Tap this option.
Select EBT Card: Choose the “EBT Card” option from the list of payment types. This might also be indicated by the SNAP logo, depending on your state.
Enter Your EBT Card Information: Carefully enter your EBT card number, expiration date, and other required information. Ensure that all details are accurate to avoid issues.
Set Your PIN: You’ll need to set or enter your EBT PIN (Personal Identification Number). This PIN will be required for all EBT transactions.
Save Your Card: After entering all the information, save the card to your Walmart Pay account. Your EBT card should now be visible as a payment option in your wallet.

Using EBT at Checkout with Walmart Pay

Once your EBT card is added, using it is simple when you’re at the checkout counter or placing an order online.

In-Store Checkout:

Open Walmart Pay: Open the Walmart app and navigate to Walmart Pay. It might be on the home screen or within the menu.
Activate Walmart Pay: Activate Walmart Pay by tapping the button that generates a QR code.
Scan the QR Code: Show the QR code on your phone screen to the cashier, who will scan it using the checkout scanner.
Select EBT as Payment Method: On your phone screen, you’ll see your available payment methods. Select your EBT card if you’re purchasing eligible items.
Enter Your PIN: Enter your EBT PIN on your phone when prompted.
Complete the Transaction: The app will process the EBT portion of your purchase. If your total exceeds your EBT balance, you can use another payment method to cover the remaining amount (see below).
Confirm Payment: Verify the final transaction details and complete the payment process.

Online Checkout (Pickup and Delivery):

Shop Online: Add eligible items to your online shopping cart on Walmart.com or through the Walmart app.
Proceed to Checkout: Once you’ve finished shopping, proceed to the checkout process.
Select Payment Method: When prompted to choose a payment method, select your EBT card.
Enter Your PIN: Enter your EBT PIN when prompted.
Split Payment (If Necessary): If your order includes non-EBT eligible items or exceeds your EBT balance, you’ll need to split the payment. Use a debit card, credit card, or other accepted method to pay the remaining balance.
Place Your Order: Review your order and complete the purchase.

Splitting Payments with EBT and Other Methods

One of the most common scenarios involves splitting your payment between your EBT card and another payment method. Walmart Pay makes this fairly easy.

How to Split Payments:

At the Register: Inform the cashier that you want to use your EBT card for eligible items and another form of payment for the remaining amount. The cashier will scan all your items, and the system will prompt you to select the amount to be paid with EBT (up to your available balance). You’ll then enter your PIN. The remaining balance can be paid using a credit card, debit card, or cash.
Online: The Walmart system will automatically recognize which items in your cart are EBT-eligible. You’ll be prompted to use your EBT card and then given the option to pay the remaining balance with another payment method.

Important Considerations

EBT Eligibility: Remember that not all items are EBT-eligible. Generally, SNAP benefits cover food items such as fruits, vegetables, meat, dairy, and bread. They do not cover non-food items like paper products, cleaning supplies, or alcoholic beverages.
State Restrictions: Some states have restrictions on using EBT online. Check your state’s specific regulations.
Keep Track of Your Balance: Regularly check your EBT balance to avoid declined transactions at checkout.
Security: Always protect your EBT card and PIN. Never share your PIN with anyone.

Frequently Asked Questions (FAQs)

Here are some frequently asked questions to address common concerns and provide further clarification on using EBT with Walmart Pay:

1. Can I use my EBT card to pay for delivery fees or tips at Walmart?

No, delivery fees, service fees, and tips are typically not EBT-eligible. You will need to use a separate payment method, such as a credit card or debit card, to cover these costs.

2. What happens if my EBT card is declined when using Walmart Pay?

If your EBT card is declined, double-check your available balance and ensure you’ve entered the correct PIN. If the problem persists, contact your state’s EBT customer service for assistance. There may be an issue with your card or account.

3. Can I use my EBT cash benefits at Walmart Pay?

EBT cash benefits usage through Walmart Pay depends on your state’s regulations and the capabilities of the Walmart system. In some regions, you may be able to use EBT cash benefits at Walmart for eligible non-food items. Check with your local Walmart or your state’s EBT agency.

4. How do I check my EBT balance through the Walmart app?

The Walmart app does not directly display your EBT balance. You will need to check your balance through your state’s EBT website, mobile app, or by calling the customer service number on the back of your EBT card.

5. Are there any restrictions on the types of food I can purchase with EBT at Walmart?

Yes, SNAP benefits generally cover essential food items, such as fruits, vegetables, meat, dairy, and bread. They do not cover items like alcohol, tobacco, pet food, or non-food items like cleaning supplies.

6. Can I use my EBT card to purchase hot or prepared foods at Walmart?

The eligibility of hot or prepared foods varies by state. Some states allow EBT benefits to be used for hot or prepared meals, while others restrict it. Check your state’s specific guidelines.

7. What should I do if my EBT card is lost or stolen?

If your EBT card is lost or stolen, immediately report it to your state’s EBT customer service. They will deactivate the card and issue you a new one. Prompt reporting can help prevent unauthorized use of your benefits.

8. Can someone else use my EBT card with Walmart Pay?

No, you should never share your EBT card or PIN with anyone. The EBT card is intended for the sole use of the authorized recipient. Allowing someone else to use your card could be considered fraud and could result in penalties.

9. Can I return items purchased with my EBT card at Walmart?

Yes, you can return items purchased with your EBT card at Walmart, subject to Walmart’s standard return policy. The refund will typically be credited back to your EBT card.

10. Is using EBT with Walmart Pay secure?

Walmart Pay uses encryption and other security measures to protect your payment information. However, it’s essential to keep your phone secure, protect your PIN, and be cautious of phishing attempts or scams.

11. What if the total amount of my eligible groceries is less than the minimum purchase requirement for online orders?

Walmart may have a minimum purchase requirement for online orders. If your EBT-eligible groceries do not meet the minimum, you will need to add additional eligible items to your cart or pay the difference with another payment method.

12. Where can I find more information about EBT benefits in my state?

You can find more information about EBT benefits in your state by visiting your state’s Department of Social Services or Human Services website. These websites typically provide detailed information about eligibility requirements, covered items, and how to manage your benefits.

By following these guidelines and understanding the details, you can confidently and conveniently use your EBT card with Walmart Pay, both in-store and online.