Walmart MoneyCard bill pay lets you schedule payments directly from your prepaid card account, or you can send money through Walmart Money Services for someone else to use

If you have a Walmart MoneyCard (a prepaid debit card), you can set up bill payments directly from that card's account online or through the mobile app. You'll need the biller's name, account number, and mailing address. Walmart then sends the payment on the date you choose, and it typically reaches the biller within one to two business days. There is no fee for this service.

If you don't have a Walmart MoneyCard, you can use Walmart Money Services at any Walmart location to send cash to someone else's bank account—they can then use it to pay a bill themselves. This option does charge a fee that varies by amount and state. Both methods work from your home or a Walmart store, depending on which you choose.

Key Takeaways

  • Walmart MoneyCard holders can schedule one-time or recurring bill payments with no fee, choosing the exact date the payment leaves their account.
  • You'll need the biller's name, account number, and mailing address to set up a payment through Walmart MoneyCard.
  • Walmart Money Services lets you send cash to another person's bank account at a Walmart Money Services desk, and they can use it for any purpose including bills.
  • Payments from a Walmart MoneyCard typically post within one to two business days, but you should schedule payments three to five business days before your bill is due to be safe.
  • You can cancel a scheduled payment through your MoneyCard account as long as Walmart hasn't sent it yet, usually up until the day before the payment date.

Setting up bill pay with a Walmart MoneyCard

If you own a Walmart MoneyCard, log into your account online at the Walmart MoneyCard website or through the Walmart MoneyCard mobile app. Select "Pay Bills" or "Bill Pay" from the menu—the exact wording depends on which version you're using. You'll enter the biller's information: their name, the account number the bill is under, and their mailing address. Walmart will then send the payment on whatever date you specify.

You can set up a one-time payment or schedule recurring payments for bills that stay the same amount each month, like insurance or a subscription service. For recurring payments, you choose the date the payment should go out each month—for example, the 1st or the 15th. If you want to stop a recurring payment later, you can cancel it anytime through your account without penalty. The MoneyCard system does not charge a fee for bill pay, but your account must have enough money to cover the payment on the date you schedule it, or the payment will not go through.

Sending money through Walmart Money Services for bills

If you don't have a Walmart MoneyCard but want to send money to someone to help them pay a bill, you can use Walmart Money Services at any Walmart location. Walk to the Money Services desk, usually near the front of the store, and tell the associate you want to send money. Provide the recipient's name and their bank account information. You'll pay with cash, a debit card, or a credit card, and the associate will give you a receipt with a confirmation number.

The recipient receives the money in their bank account within one to two business days. They can then use it however they want—including paying a bill. This method works if you're helping a family member or friend cover their utility bill, rent, or other expenses. Walmart charges a fee for this service, which varies based on the amount you're sending and the state you're in. The associate will tell you the exact fee before you complete the transaction, so you'll know the total cost upfront.

What happens after you schedule a payment

Once you've scheduled a bill payment through your Walmart MoneyCard account, the money leaves your account on the date you chose. Walmart then mails a check to the biller's address or sends the payment electronically, depending on the biller's setup. Most billers receive and process the payment within one to two business days after Walmart sends it, though some may take longer depending on their internal processing speed.

You should see the payment reflected in your MoneyCard account when ready as a pending transaction. Keep your receipt or confirmation number in case you need to track the payment or dispute it later. If the payment doesn't post to the biller's account within the timeframe they normally process payments, contact the biller directly to confirm they received it. You can also log into your MoneyCard account to check the status of any payment you've scheduled.

Timing and what to plan for

Bill payments from a Walmart MoneyCard typically take one to two business days to reach the biller, but the biller may take additional time to process and post the payment to your account. If you have a bill due on the 15th, schedule your payment for at least three to five business days before that date to be safe. This gives Walmart time to send the payment and the biller time to process it without the risk of a late fee.

Weekends and holidays can slow things down. If you schedule a payment for a Friday, it may not leave your account until Monday. Similarly, if the biller is closed on a holiday, they won't process your payment until they reopen. Check your biller's payment important date and work backward from there when you choose your payment date. When in doubt, schedule earlier rather than later.

Canceling or changing a payment you've scheduled

If you need to cancel a bill payment you've scheduled, log into your MoneyCard account and find the payment in your pending transactions. You can cancel it as long as Walmart hasn't already sent it to the biller—usually up until the day before your scheduled payment date. Once Walmart has sent the payment, you cannot cancel it through your account.

If you've already sent the payment and need to stop it, contact the biller directly and ask them to refuse or reverse the payment. You can also contact Walmart MoneyCard customer service with your confirmation number, and they can try to recall the payment, though success depends on how far along the payment is in the biller's system. Having your confirmation number ready will make this process faster.

Fees and costs

Walmart MoneyCard bill pay has no fee. You pay only what the bill itself costs—there's no extra charge from Walmart for scheduling or sending the payment. However, if your account doesn't have enough money when the payment is due, your bank may charge an overdraft fee, so keep track of your balance before you schedule a payment.

Walmart Money Services, by contrast, does charge a fee to send money to someone else's account. The fee depends on how much you're sending and which state you're in. Fees typically range from a few dollars for smaller amounts to higher amounts for larger transfers. The associate at the Money Services desk will show you the exact fee before you hand over your money, so you'll know the total cost before you commit.

Frequently Asked Questions

Can I pay any bill through Walmart MoneyCard bill pay?

You can pay most bills—utilities, credit cards, insurance, rent, subscriptions—as long as you have the biller's mailing address and account number. Some billers may not accept mailed checks, so confirm with them first if you're unsure. Walmart will let you know if a biller cannot be set up in the system when you try to add them.

What if I don't know the biller's mailing address?

Call the biller's customer service line or check your bill—the mailing address is usually printed on it. If you can't find it, search the biller's website or call them directly before you try to set up the payment. You won't be able to complete the payment setup without this information.

How do I know if my payment went through?

Check your MoneyCard account online or in the app—the payment will show as pending on the date you scheduled it, then as posted once Walmart has sent it. You can also call the biller and ask if they've received your payment. Keep your confirmation number from Walmart in case you need to reference it later.

Can I set up bill pay if I don't have a Walmart MoneyCard?

You cannot use Walmart's bill pay system without a MoneyCard. However, you can send money to someone else through Walmart Money Services, and they can use it to pay their bill. You can also open a Walmart MoneyCard at any Walmart location in about 15 minutes if you want to use the bill pay feature yourself.

What if the biller says they never received my payment?

Contact Walmart MoneyCard customer service with your confirmation number and the date you scheduled the payment. They can check whether the payment was sent and help you trace it. If Walmart sent it but the biller didn't receive it, Walmart may be able to issue a replacement payment or refund.