Although contactless payments have become common in many stores, Walmart continues without accepting this form of paymenta decision that has raised doubts among millions of customers.
Far from being a technological limitation, the chain has opted for its own strategy focused on controlling the payment experience, reducing costs and strengthening its digital ecosystem.
Succor watch over entire about payments and data
Walmart has developed its own payment system within its mobile app, known as Walmart Pay, which works by scanning codes instead of tapping a card.
This model allows the company to directly manage transactions and, above all, obtain detailed customer information, such as purchase history, preferences and consumption habits.
Unlike traditional contactless payments, which offer limited data, this system gives the company greater control over the relationship with the customer.
Savings on bank fees
Another key factor is card usage fees. Payments with traditional networks usually involve charges of between 1.5% and 3.5% per transaction.
For a company the size of Walmart, which processes billions of purchases a year, these percentages represent significant costs.
By promoting methods like Walmart Pay or payments linked directly to bank accounts, the company reduce your dependence on these networks and, with it, its operating expenses.
Security and fraud prevention
Although contactless payments are considered secure, Walmart has opted for a more controlled approach.
Their app-based system requires authentication, which adds an extra layer of security over simply swiping a card.
This model allows us to reduce certain risks, especially in stores with a high flow of customers, where the adjustment of transactions is more complex.
Boost to your digital ecosystem
The Walmart application is not only used to pay. It also includes promotions, digital coupons and services such as online shopping, in-store pickup or home delivery.
By encouraging its use, the company seeks to get customers more integrated into its platform, increasing interaction and loyalty.
In contrast, contactless payments do not provide additional benefits within this ecosystem.
Operation and implementation costs
Implementing contactless payments in all its stores would involve updating equipment, training non-public and adapting systems in thousands of branches.
Walmart has prioritized maintaining a uniform and efficient system rather than quickly adopting new technologies, which also reduces potential checkout failures or delays.
What it means for customers
Although the absence of contactless payments may be inconvenient for some shoppers, Walmart maintains functional alternatives such as chip cardscash and its own application.
Understanding these options allows you to avoid setbacks when paying.
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