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Debtors Fight Back
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May 2012
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Walmart "Pay with Cash" Allows Online Purchasing with No Credit Card Required
Walmart "Pay with Cash" Allows Online Purchasing with No Credit Card Required
By
Kenneth Long
on May 1, 2012
Online transactions normally require a debit or credit card. Now Walmart allows for online shoppers to create their order without using plastic. After placing your order, you can simply take your "Pay with Cash" confirmation to your nearest Walmart store and pay the cashier using cash.
The benefit is clear. You can now shop at Walmart.com without having to use a credit card, bank debit card or
prepaid debit card
. Each of these cards have fees that tend to affect lower income households more. Instead of paying fees for the privilege of shopping online, you can now place your order and then pay with cash at your convenience.
It is possible that what you want might not be in your nearest Walmart store, but instead still available at Walmart.com. This could be due to closeouts, limited quantities or regionally available merchandise. It also allows you to compare products online rather than searching product shelves.
Of course, the plan is not perfect. You still have to go to a Walmart store to activate your order. You also must pay for your order within 48 hours of placing it or risk having your "reserved" items released for other customers.
So what is in it for Walmart? They clearly are looking for ways to sell more merchandise to their customers. Walmart estimates that 81% of customers that do not have credit or debit cards do have online internet access. This allows them to shop online and pay with cash, thereby avoiding having to pay the fees to obtain a prepaid debit card commonly used by unbanked households.
Another advantage is that their average paycheck-to-paycheck customer can now place an order prior to payday. Instead of waiting until the 15th, a customer can place an order on the 13th, get paid and then go to Walmart that day to complete the transaction. Their order can either be shipped home or in many cases, picked up at their neighborhood Walmart.
Walmart's "Pay with Cash" option is a new twist on the old "Cash on Delivery" or COD method of payment that has largely been phased out by retailers. Let's see if Walmart expands on their "Pay with Cash" option by including a layaway payment plan.
Image adapted from original by Darren Deans
Posted:
5/1/2012 12:08:59 PM
by
Ken Long
| with
0 comments
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