Walmart has rolled out its Walmart Pay system to all its U.S. stores following a several-month long trial.
The payment option is built into its existing iOS and Android apps, and allows enrolling all major credit and debit cards, gift cards, and prepaid cards, but it notably doesn t link to checking accounts directly.
The app requires you to scan a 2D code that appears on the POS display.
Walmart is a member of the Merchant Consumer Exchange MCX consortium, which spent years developing the awkward CurrentC system, which was effectively shut down in June.
CurrentC was the dream of retailers before the rapid rise of NFC-based mobile payment offerings, like Apple Pay and Android Pay, and an attempt by those companies to reduce their payment-network transaction fees.
Because CurrentC was created to benefit the retailers, the focus was on getting customer to link a checking account, and then processing charges as automatic clearinghouse ACH transactions.