no offense bubba but if you add a card to walmart pay then call walmart fraud department tell them you are trying to buy electronics or state you are making a big purchase and that your order got cancelled online they will allow a bypass and thats it. anny store that has an app you can use like apple pay but without having to send the verification code i added some cards to my amazon and went to amazon fresh did the same for walmart just know eventually they will flag your phone so you will need a new one to keep carding last thing Pay & Go is your friend i tried all these tthey work im telling you because there is no more honer amongst thieves like this guy charging 550