When Does Walmart Charge Your Card for Online Orders? (All You Need to Know)

Millions of people shop online at Walmart because of the convenience, selection, and good prices it offers.

When you pay with your credit or debit card, you may have wondered when Walmart charges your card. If so, carry on reading for the answers to that question and much more below!

When Does Walmart Charge Your Card for Online Orders In 2022?

When you place an online order at Walmart, your bank puts an authorization hold on your account for that amount, for three to five days in 2022. Walmart charges your card only when the order actually ships. For store pickup and delivery payments from Walmart, your card is charged immediately.

If you have more questions about when Walmart charges your card, carry on reading for more interesting facts and tips!

When Will My Card Be Charged for an Online Purchase From Walmart?

When you place a Walmart order online using your credit, ATM, debit, or check card, your bank or other financial institution places a hold for the amount on your account.

This temporary authorization is to make sure that the funds are available for payment, and is usually for a period of three to five days.

However, Walmart actually charges you for the order only when it’s shipped.

So, if it takes longer than three to five days for your order to ship, the bank authorization hold will expire, and you’ll see the money back in your account.

Afterward, you’ll see the amount of your order deducted from your account when your Walmart order ships.

Sometimes you may see the authorization hold, even if your order was canceled or not completed. 

In these cases, the hold will expire automatically in three days, but you can call your bank to make sure.

Does Walmart Charge Instantly?

When you use your credit or debit card to pay for Walmart purchases in-store, the amount will be charged instantly.

Likewise, if you are using PayPal, a Walmart gift card, or your Walmart Rewards card to pay for the online order, the amount of your order will be deducted instantly from your account.

When Does Walmart Charge Orders for Pickup?

When Does Walmart Charge Orders for Pickup?

If you place an online order reservation for store pickup and use your credit, ATM, debit, or check card to pay, the amount will be charged to your account and deducted immediately.

When Does Walmart Charge Orders for Delivery?

Like store pickup, when you use you credit or debit card to pay for a store delivery, your account will be charged immediately.

Why Did Walmart Charge Me Twice?

Sometimes, when you make an online purchase at Walmart, it may look like you have been charged twice for the same purchase.

Actually, Walmart only charges you once, and that is at the time when your order is shipped.

When you place your order, your bank or financial institution places an authorization hold on your account for the amount, so that it will be available for the payment.

As seen above, the authorization hold is usually for three to five days, and expires if your order is not shipped within that time frame.

The amount will be deducted from your account when the order finally ships, so you may see it a second time.

However, if you check your bank account’s transaction history very carefully, you will see that the payment has been made only once.

If there are still any discrepancies, you can call your bank and an employee will help resolve the issue.

How Do I See Pending Transactions on My Walmart Money Card?

You can track all pending and completed (also known as “posted”) transactions on your Walmart Money Card by logging in online to your account.

You will see all pending and posted purchases on the Transaction History page. You can also check your balances and other activity.

To know more, you can also read our posts on whether or not Walmart accepts Visa & Mastercard gift cards, if Walmart accepts Venmo, and what time does Walmart MoneyCard processes deposits.

Conclusion

Walmart charges your card when your order is shipped. Your bank may place an authorization hold on your account when you place your online order to ensure that funds will be available to pay for it.

However, when you place an order online, for store pickup or delivery from Walmart, your card will be charged immediately.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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