How to Split Payment on Walmart Online
Using Gift Cards and Credit Cards
You can’t split card payments on Walmart Online.
While Walmart doesn’t allow the use of multiple credit cards in one transaction, you can still split your payment by using a combination of credit and gift cards. Here’s how you can do it:
- During the checkout process, select the option to pay with a credit card
- Enter the amount you want to pay with your credit card
- Use up to five gift cards to pay the remaining balance
- Confirm your payment and complete your purchase
Paying with Klarna
Another way to split your payment on walmart.com is by using Klarna. To do this, follow these steps:
- Download the Klarna app
- Search for Walmart on the home screen
- Start adding items to your cart
- Go to your shopping cart
- Choose the “Pay in 4” option
- Complete the checkout process
Let’s say you’re shopping on Walmart’s website and you want to buy a new TV that costs $450. You have a credit card with a $300 limit and three gift cards with $50 each. To split your payment, you would enter $300 as the amount you want to pay with your credit card, and use the three gift cards to pay the remaining $150.
What if I Don’t Have Enough Gift Cards?
If you don’t have enough to pay the full balance, you can use the ones you have and pay the remaining balance with your credit card.
Benefits of Splitting Payment
There are several benefits including:
- You can use gift cards to save money
- You can use multiple payment methods to pay for a single purchase
- You can use your credit card to earn rewards
Limitations of Splitting Payment
There are a few limitations to splitting your payment, including:
- You can only use up to five gift cards in one transaction
- You can’t use multiple credit cards to pay for a single purchase
- The amount you can pay with your credit card may be limited by your credit limit
Differences Between Klarna and Gift Cards
While both allow you to split your payment, there are some key differences between the two methods, including:
- Klarna allows you to pay in four interest-free payments, while gift cards require you to pay the full balance at the time of purchase
- Klarna requires you to have an account and download the app, while gift cards can be purchased and used without any additional steps.
Pros and Cons of Using Klarna
Using Klarna has its pros and cons, including:
- You can pay in four interest-free payments
- You can spread out the cost of your purchase over time
- You don’t need to have a credit card or gift cards to use Klarna
- You need to have an account and download the app to use Klarna
- Klarna may charge late fees if you don’t make your payments on time
Pros and Cons of Using Gift Cards
When it comes to paying with this payment method, there are both advantages and disadvantages to consider:
- You can split the payment between multiple cards, making it easier to manage your spending.
- Using them can help you keep track of your budget and avoid overspending with your credit card.
- They are convenient and easy to use, as you can simply enter the card number and security code during checkout.
- You can only use up to 5 per transaction, so if you have more than that, you’ll need to split your purchase into multiple transactions.
- You may have to wait for your gift card to arrive in the mail if you order them online, which can delay your purchase.
- You may be limited by the amount of money available on each gift card, so you may need to purchase multiple cards to pay for a larger purchase.
How to Split Payment on Walmart Online with Klarna
Another option for splitting payment on Walmart online is to use Klarna. Klarna is a payment app that allows you to pay for your purchase in 4 interest-free payments. Here’s how:
Step 1: Download the Klarna App
To use Klarna at Walmart, you’ll need to download the Klarna app from the App Store or Google Play Store. Once the app is installed, open it and create an account.
Step 2: Find Walmart on the App
After creating an account, search for Walmart on the home screen of the Klarna app. When you find Walmart, tap on it to open the store page.
Step 3: Add Items to Your Cart
Once you’re on the Walmart store page, start adding items to your cart. When you’re ready to checkout, go to your cart and make sure all the items you want are in there.
Step 4: Choose the “Pay in 4” Option
When you’re ready to pay, choose the “Pay in 4” option at checkout. This will allow you to pay for your purchase in 4 interest-free payments, which will be automatically charged to your Klarna account. Simply follow the prompts to complete the payment process.