Walmart smartpay straight talk

Walmart smartpay straight talk DEFAULT

*At 2G speeds, the functionality of some data applications, such as streaming audio or video may be affected. Please refer to the latest Terms and Conditions of service.

"Up to half the cost" is based on a comparison of the monthly cost of the $45 Straight Talk Unlimited Plan and the monthly cost of comparable no-contract, single line plans with unlimited talk, text and data on the top two carriers. Excludes taxes, fees, autopay discounts and limited time pricing. Source: Competitor websites November

?By texting keywords to , you are consenting to receive response messages. Message and data rates may apply. Please refer to our privacy policy.

�To get 4G LTE speed, you must have a 4G LTE capable device and 4G LTE SIM. Actual availability, coverage and speed may vary. LTE is a trademark of ETSI.

Reward Points can only be applied towards an eligible Straight Talk plan when you accumulate the total amount of points needed. Reward Points have no cash value and cannot be transferred to another customer. Additional terms and conditions apply.

�The $10 Global Calling Card must be combined with another Straight Talk Service Plan. International long distance service is available to select destinations only, which are subject to change at any time. Calls must originate from the US, or Puerto Rico. No international roaming allowed. Only for personal use. Calls are billed in one-minute increments. Airtime minutes will be deducted plus the cost of the International call. Rates are subject to change without prior notice. Card benefit expires days after last use or 30 days after your service is suspended, whichever occurs first. Available online only.

**Each account is allowed to dial up to 15 unique international telephone numbers during a day plan cycle, which resets each time a new plan is redeemed. Unlimited international calls are available to landline and mobile numbers in select destinations only, which are subject to change at any time. Calls must originate from the US or Puerto Rico. No international roaming allowed. Other terms and conditions apply. For personal use only. Please refer to the latest Terms and Conditions of Service at

Straight Talk� is a registered trademark of TracFone Wireless, Inc. TracFone Wireless, Inc. All rights reserved. All other trademarks, service marks, and trade names referenced in this site are the property of their respective owners.


No Fees. No Contract.
No Deposit.

  • Step 0

    Before beginning, please ensure that your WARP system and Ingenico reader are both plugged in and on

  • Step 1

    Log into WARP terminal

    Select Carriers / New Orders from the Dashboard menu

    Select appropriate phone carrier (Straight Talk or Total Wireless)

    Select Lease Device with Airtime Purchase to indicate this is a SmartPay lease

    Ask the customer if they’re an existing customer on the chosen carrier. If yes, lookup their account

  • Step 2

    The customer should already have submitted a SmartPay application

    Lookup the customer’s active application using their:

    • Date of Birth
    • Last 4 digits of SSN
    • Last Name
  • Step 3

    Add the customer’s device(s) and service plan to the order

    Only eligible devices are listed with the monthly lease payment

    Since Total Wireless is a multi-line product, more than one phone may be added

  • Step 4

    Scan or manually enter the UPC code of the selected device(s)

    Select the service plan

  • Step 5

    Scan to UPC, IMEI, MEID, or ICCID information of the phone and SIM card

  • Step 6

    Show customer the lease and automatic service plan refill agreements

    Have the customer sign both agreements

    The in-store payment and monthly payment amounts are displayed in the lease summary

    Print a copy of the agreements for customer (optional)

  • Step 7

    Ask the customer to swipe their credit or debit card on the card reader attached to the kiosk*

    Debit cards must be tied to a bank account and no prepaid cards are eligible*

    The first month’s lease and service plan payments are debited in store at time of transaction*

    * Includes both the lease and service plan payments
  • Step 8

    Some customers are asked additional multiple-choice questions

    Allow the customer to complete these now

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    Nowadays, many mobile devices, including advanced smartphones are surprisingly affordable and many retailers and carriers enable you to purchase a brand-new smartphone for under $ or even under $ However, smartphone manufacturers keep busy all year round to provide customers with better devices with more durable designs, faster performance, and incredible features.

    Therefore, the latest smartphone models tend to be awfully expensive. As this amount of money isn’t something many of us can pay upfront, it’s nice to have some other options.

    Multiple Option For Straight Talk Phone Payment Plan

    In terms of financing, there are several Straight Talk Phone Payment Plan available when you wish to buy a new phone:

    1. Monthly installments

    A monthly installment plan is a payment method, which helps customers pay for a new device in several (usually 24) smaller monthly installments. It is a finance agreement that allows you to divide the full cost and spread it over a longer period of time, instead of paying the full price at the start.

    Each carrier offers their customers to pay for devices in monthly installments, but their exact prices and terms vary. One monthly installment usually cost somewhere between $20 and $30, depending on the price of the phone. For example, if the phone costs $ and you have to pay it off in the course of 24 months, you will have to pay $25 a month.

    The downside of monthly installment plans is that customers have to pass a credit check to be eligible for such a payment plan. If you have a bad credit score, luckily, there are other options to pay for a brand-new smartphone.

    2. Lease

    Leasing in a way means renting a phone. In exchange for getting a device for rent, you pay a monthly fee. Once the lease period is over, you are not the outright owner of the device, but you do have the choice to return it to the carrier and choose a new phone or to pay the remaining balance to buy the phone.

    3. Finance

    This is a kind of monthly installment plan, called the equipment installment plan (EIP). In comparison to the leasing option, you actually own the device after the financing period. As during the financing period, you pay off the full price of the phone, financing is a bit more expensive than leasing.

    4. Early Upgrade

    An early upgrade is a monthly plan that Straight Talk gives the client an option to upgrade a new device for no extra charge before the payment term of the first phone is over. Upgrading early will extend your agreement and the monthly expense will be higher than that of a lease or finance.

    Does Straight Talk Directly Provide Any Payment Plan For Phone?

    Straight Talk is one of the most popular telecommunication companies that offers its customers a large variety of affordable plans, devices, nationwide coverage with Verizon, AT&T, T-Mobile, and Sprint’s network, and even payment plans.

    Straight Talk phone payment plan allows a customer to own a smartphone without paying the full price in advance but by paying affordable monthly payments instead. Taking advantage of this option disables the consumer to leave the carrier before paying off the full amount of the phone. While most carriers will check your credit score before allowing you to pay in installment, Straight Talk won’t do a credit check if you decide to use their phone payment plan. Moreover, this option comes with no contracts or activation fees.

    How do they do it? Well, Straight Talk has an agreement with SmartPay, a leasing company and lease-to-own payment plan that allows customers to purchase smartphones for up to $ and pay for them in monthly installments. They also offer some smartphones through Affirm and by using PayPal credit. As such, buying a new cell phone at Straight Talk is very easy and convenient.

    Best 3 Company Offer Straight Talk Phone Financing Service

    The best 3 financial organizations that support Straight Talk phone financing are SmartPay, Affirm, and PayPal. You can use their financing options directly through Straight Talk’s website or by first visiting their respective websites, applying for a loan, and then purchasing a Straight Talk phone.

    In addition to these three financial organization, which have partnered with Straight Talk, there are also some other lease-to-own companies, that can help you purchase a brand new Straight talk device and pay for it in installments, including Snap Finance, Visible, Afterpay, Financelt, and United Customer Financial Services. They all have similar eligibility requirements and a fast and simple application process.

    1. SmartPay

    As we have mentioned above, Straight Talk works with SmartPay to provide customers with the latest and most advanced mobile devices without paying the full price in advance but in affordable installments instead. The program comes with no cancellation fees, therefore you can cancel it anytime.

    SmartPay is an independent leasing company that leases you a phone, hence you pay the monthly installments directly with them and Straight Talk is not liable for the transactions nor is it a party to any transactions you make with SmartPay.

    Most carriers tend to perform a credit check, but Straight Talk allows you to pay in installments even if you have 0$ on your bank account. Plus, it comes with no fees.

    However, to get financing through SmartPay, some terms and conditions do apply.

    First of all, not all Straight Talk smartphones can be purchased with SmartPay. However, there is a large variety of different devices, including Samsung, Motorola, Nokia, Google, LG smartphones and iPhones that can be bought with the SmartPay lease-to-own payment plan. You can find all the SmartPay eligible phones at

    Once you find a Straight Talk phone that can be bought through SmartPay, the process of getting financing is as follows:

    • Step 1: Go to and choose a device. Click on it.
    • Step 2: Select the condition, color, and network, and press ‘Add to cart’.
    • Step 3: Once you go to ‘Checkout’, you can either sign in with your Straight Talk account or do the checkout as a guest. Enter your billing address and required data, select your preferred shipping method, and select the payment method (SmartPay).
    • Step 4: Verify your information and press continue. You will be redirected to the SmartPay website, where you will be able to securely complete your order. At this stage, you will complete your SmartPay application and as soon as you get approved (which should be instantly), you will be able to complete your transaction.

    You can also go straight to SmartPay and complete your approval application at to get approved for a specific lease amount. You can then shop at their retail partners (Straight Talk) either in-store or online and apply your SmartPay approval at check-out.

    The requirements of leasing with SmartPay are :

    • To apply for SmartPay, you must be at least 18 years old.
    • You must have a monthly income of $ – that is before taxes and deductions.
    • Must have and provide a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
    • You must have a credit card or debit card associated with a standard US checking account.
    • In addition, all the personal and payment info provided in the application must belong to you.

    The number of payments : The number of payments depends on your term length (which may vary depending on the channel for which you are approved) and your payment frequency. You can pay installments monthly &#; every 4 weeks or twice monthly &#; every other week. SmartPay also gives customers the option to pay off their lease early (the day BuyOut option) to save on total fees.

    Interest rate : SmartPay has no interest rates, however, if you choose to pay your lease early, you will get a buyout fee of to 20%.

    2. Affirm

    In addition to SmartPay, Straight Talk also works with Affirm to grant the applicants smartphones with free shipping and down to 0% APR financing.

    To pay for your new device with Affirm, you can go to and check if you qualify by pressing ‘Learn More’ and then ‘See if you qualify’. The application process is quick and easy. You will simply be asked to enter some personal information. With Affirm you get no hidden fees. However, a down payment may be required. Payment options depend on your purchase amount.

    Keep in mind that not all Straight Talk devices can be purchased through Affirm. You can see the models that can currently be bought with Affirm in the next chapter.

    3. PayPal credit

    Straight Talk also allows users to use PayPal credit. This option also allows you to get a new phone without paying any money down.

    The process:

    • Step 1: Choose a phone at their official website and put it in the cart.
    • Step 2: When checking out, select PayPal as your payment option.

    If you don’t have PayPal credit, you can simply apply for it. The process won’t take more than a couple of minutes. You can put your device on payments with Lay-Buy, which ships the device to your address as soon as you come back and pay. If you pay for the phone within six months, PayPal won’t charge any interest. However, while Lay-Buy doesn’t perform a credit check, PayPal does.

    Which Phones Can I Get With Straight Talk Financing?

    Straight Talk offers two general financing options for purchasing cellular phones – SmartPay and Affirm. Each of these options can help customers buy different mobile devices.


    With SmartPay you can currently pay for the following cell phones in installments:

    Apple iPhone 12 Pro MaxSamsung Galaxy Z FlipMotorola RAZR 5G
    Apple iPhone 12 ProSamsung Galaxy Z Flip 5GMotorola Edge 5G
    Apple iPhone 12Samsung Galaxy Note 20 Ultra 5GMotorola One Ace 5G
    Apple iPhone 12 MiniSamsung Galaxy S21 Ultra 5GMotorola G Stylus
    Apple iPhone 11Samsung Galaxy S21+ 5GMotorola G Fast
    Apple iPhone SESamsung Galaxy Note 10+Motorola G Power ()
    Apple iPhone XRSamsung Galaxy Note 20 5GMotorola G7 Plus
    Google Pixel 5 5GSamsung Galaxy S21 5GMotorola G Stylus ()
    Google Pixel 4 XLSamsung Galaxy S10+Motorola G Play ()
    Google Pixel 4a 5GSamsung Galaxy S20 FE 5GMotorola G Power
    Google Pixel 3a XLSamsung Galaxy A71 5GMotorola Moto E6
    Google Pixel 4aSamsung Galaxy Note 9Motorola E
    Microsoft Surface DuoSamsung Galaxy S10eMotorola E5 Play
    BLU G50 PlusSamsung Galaxy S9+LG Q70
    BLU C6L Samsung Galaxy A51LG Stylo 6
    BLU C5L Samsung Galaxy A21LG K51
    BLU View 2Samsung Galaxy A01LG K31
    Nokia 5GOnePlus 8 Pro 5GLG Stylo 5
    Nokia Alcatel Go Flip 3LG Aristo 3
    Nokia Alcatel MYFLIP 2LG Aristo 3 Plus
    Nokia NUU F4L Flip PhoneLG Classic Flip
    Nokia 4G


    With Affirm you can currently pay for the following cell phones in installments:

    Apple iPhone 12 Pro MaxGoogle Pixel 5 5GMotorola G Powe
    Apple iPhone XRGoogle Pixel 4aMotorola G Play ()
    Samsung Galaxy Note 9Google Pixel 3a XLBLU View 2
    Samsung Galaxy S10LG Q70BLU C5L

    See More:The Cheapest Straight Talk Flip Phones

    Alternative Ways For Straight Talk Phone Payment Plan

    We have explored the various ways in which you can buy cell phones in different payment plans directly from Straight Talk and on their website. However, there are some other alternative ways to get Straight Talk phone financing support – through online stores and financial organizations.

    1. Walmart

    You can purchase Straight Talk phones at Walmart. Walmart is a partner of Affirm and offers financing support for several eligible merchandise categories, including mobile phones. As such you can buy a Straight Talk phone through Affirm at Walmart. With Affirm, an eCommerce loan service provider, you will get affordable monthly payments at your preferred pace (3, 6, or 12 months). You can either choose layaway or buy the item immediately and pay it off in time.

    Simply select the device at, add it to the cart, enter your personal info, and then choose Affirm as a payment method and apply for a loan to pay for the device. If you decide to buy the product in-store, you can simply apply at, select your desired payment plan, scan your single-use barcode at the register, and them make payments online directly with Affirm. With Affirm, you won’t get any extra fees.

    2. Amazon

    The only official retailer of Straight Talk is Walmart, however, you can also buy Straight Talk devices on Amazon. If the device you are planning to offer costs over $ and if it’s eligible, you can qualify for Amazon’s financing support with no interest. To do so, you must first apply for an Amazon Credit Account (you must be a U.S. resident and at least 18 years old), find a qualifying item online and add it to the cart, proceed to checkout, and select Amazon Credit Account.

    3. eBay

    eBay sellers who work with LendingPoint can obtain access to installment loans. However, the chances of finding a seller who offers financing support as well as sells Straight Talk phones are pretty slim. As such, it may be best to stick to Straight Talk’s online store.

    What Type Of Plans Does Straight Talk Provide?

    Straight Talk offers two major plans – Straight Talk Ultimate Unlimited Data Plan and Straight Talk Unlimited Plan with 5 GB. Let’s break them down.

    Straight Talk Ultimate Unlimited Data Plan

    This plan costs $50 a month plus $ upfront for three months with the Auto-Pay discount. It comes with unlimited talk, text, and 4G data. For international calls, you can add a $10 international calling pack. The plan comes with no contract and it provides movie streaming in p, Voice Mail, Call Waiting, Caller ID, and calls for no extra charge.

    Currently, there is a special deal that offers customers a $5 a month discount for 3 months with Auto-Refill and free shipping. Afterward, customers pay $55 a month with Auto-Refill and free shipping for a limited amount of time. In case you use up over 60 GB of data a month, they may review your account.

    This data plan can be upgraded for 1 GB ($5) or 2 GB ($10). Unused data will roll over to the next billing cycle. With this plan, you earn points for renewing the plan, playing games, and referring to friends. With sufficient points, you become eligible for a free monthly program.

    Straight Talk Unlimited Plan with 5 GB

    This plan costs $34 a month plus $ upfront and it comes with unlimited talk, text, 5 GB of 4G LTE data, and unlimited 2G data. Obviously, it is more suitable for those who are not big data users. For international calls, you can add a $10 international calling pack. The plan comes with no contract and it offers several other features, including Voice Mail, Call Waiting, Caller ID, and calls for no extra charge.

    Currently, there is a special deal that offers customers a $1 a month discount every month upon enrolling in Auto-Refill and free shipping for a limited time. The program allows you to purchase additional 4G data for $5 (1 GB) or $10 (2 GB). Unused data will automatically roll over to the next billing cycle.

    This plan will also earn you points for renewing your plan, playing games, and referring to friends. With sufficient points, you will be able to apply for a new monthly plan.


    Can I lease a phone from Straight Talk?

    Yes, Straight Talk offers cell phone leasing with the possibility for the customer to pay off and eventually own the device. To own the device, you must complete all the payments. If you don’t want to pay it off and own it, you can simply return it. Cell phone leasing also allows you to make an early purchase if you pay it off before the payment term is over.

    Does Straight Talk Phone Financing build credit?

    It depends on the phone financing method you choose. SmartPay, for example, doesn’t perform a credit check and as such it doesn’t report your payment frequency and behavior to the credit bureaus. PayPal, on the other hand, will check your credit score and report your payment patterns to the credit bureaus, which will either lower or increase your credit score.

    How do monthly installment payment plans work?

    Straight Talk and other retailers often partner with financial organizations that provide lease-to-own payment options. To get a monthly installment plan, you must first make sure you meet the requirements, then you must apply for the plan and wait a few minutes to see if you qualify, and then you can buy a smartphone (in-store or online) and pay for it in installments with the application code.

    Final Thoughts

    As you can see, it is possible to get a phone financing plan for purchasing a Straight Talk device. While various independent companies and retailers offer Straight Talk phone payment plan, it’s easiest to get phone financing directly at Straight Talk, which offers installment plans through SmartPay, Affirm, and PayPal. Once you get the loan, you can purchase your dream phone as well as an eligible plan.

    Tags:auto pay straight talkstraight talk monthly paymentsstraight talk payment planstraight talk phone paymentStraight Talk Phone Payment Planstraight talk phones monthly payments


    If you are looking for straight talk smart pay customer service, simply check out our links below :

    2. Contact Us &#; SmartPay Lease

    Contact Us

    Please call us or complete our contact form and our support team will reach out &#; (If you are Straight Talk/Total Wireless customer or have a service plan &#;

    3. Login to SmartPay

    The products and services offered on this site are lease-to-own transactions &#; except in MN, NJ, WI, and WY where straight leases are offered.

    4. Straight Talk Wireless Customer Service;mode=update

    Straight Talk Wireless &#; Buy a new phone and pay over 24 months with No Fees &#; For questions related to SmartPay payments and leasing, please contact:.

    5. Contact Us &#; Straight Talk Wireless

    If you&#;re an existing customer, please provide us with your Straight Talk MEID &#; Number when contacting us so we can give you the best possible service.

    6. Help &#; Support &#; Straight Talk Wireless

    Straight Talk is committed to providing our customers the best customer service. Click below for our Contact Information and hours of operation!

    7. Phone Payment Plan(21) &#; Straight Talk Wireless

    No Fees Phone Payment Plan. Get select phones for as low as $7/mo. For well qualified customers. This is a lease-to-own transaction. See Details. Previous

    8. SmartPay Leasing Customer Service Phone Number ()

    Contact SmartPay Leasing customer support at toll-free or phone service phone line phone number. Call or write an email to resolve SmartPay Leasing issues: &#;

    9. Cart is empty &#; TracFone Wireless Phones

    Shop the latest TracFone Wireless compatible phones at &#; Get Free Shipping and lease a new phone for 24 months with no fees with SmartPay.

    Apple iPhone 11 &#; TracFone Wireless Phones

    SmartPay terms: Apple iPhone 11 retail cost: $ For eligible customers, total cost after 24 day payments of $ $ Not all customers will &#;

    Red Pocket Mobile

    With plans starting at $10/month, Red Pocket Mobile is your prepaid wireless leader. We offer the best in no-contract wireless services on your choice of &#;

    Walmart Pay &#;


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    Pros and cons of Walmart's Straight Talk plans

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