I was skeptical of Walmart Pay couple months ago but started using it in May. Now, I cannot imagine life before it. It is easy to use and convenient. A great feature of the app is the e-receipts sent to your app. Great is you buy a multi-year warranty. You don't have to dig through boxes for the receipt a year and half from now. I also like the fact that you have to unlock the app with a pin. I use Android pay and love it but that is one of the lacking features that annoy me about Android pay. It is available once my phone is unlocked.