With the latest Walmart Pay update, customers can apply for a Walmart credit card and then use the app to make purchases, "from the moment they are approved." In other words, the physical plastic card that comes later in the mail is just a formality. While Apple, Samsung and Android Pay are all competing at the platform level, Business Insider reports that in-house mobile wallets like Walmart Pay are catching on among larger retailers and instant access to store accounts or credit cards is one benefit that can attract new and loyal users. As for the other retail giant out there: Walmart has also been trying to use its physical stores to one-up Amazon by offering discounts for in-store pickups and testing automated grocery kiosks in Oklahoma City.