iQpay Internal

The power chain

The Walmart triangle

Three different Walmart arrangements exist, and they sound alike. Use this page to keep them apart.

The three arrangements

TermWhat it isOffer modelWho adjudicates items
WM-ManagedWalmart cannot power exclusion catalogs on its own, so it teams up with InComm, and the InComm offer then works at Walmart.Exclusion InComm offers approved by WalmartWalmart, using its own fine-line category adjudication. Not our UPC list.
Walmart SubmittedThe normal path for inclusion offers. InComm submits the offer, Walmart approves it.Inclusion InComm offers approved by WalmartWalmart, against the submitted list.
Walmart promo codeOur direct relationship with Walmart. Walmart issues its own card. Works only at Walmart.Not an InComm offer at allWalmart, fully.

Which one do I need?

SituationAnswer
Inclusion offer, member shops at WalmartNothing special. Walmart Submitted covers it.
Exclusion offer marked WM-Managed, member shops at WalmartWorks directly. Walmart enforces by fine-line category.
Exclusion offer, not WM-Managed, client wants Walmart coverageBuild an Either/Or: exclusion InComm offer + Walmart promo card.
Client wants Walmart onlyWalmart promo code product alone.

Network selection follows the same logic. An exclusion program that is not WM-Managed should run on a minus-Walmart network, so its cards never route to a Walmart register in the first place.

⚠️
Under WM-Managed, Walmart adjudicates by its own rules.

Walmart's fine-line categories do not match our UPC lists item for item. A product our catalog would block can pass at Walmart, and the reverse. When someone reports "the card behaved differently at Walmart", this is usually why.

Promo codes are frozen at creation

A Walmart promo code is scoped when Walmart sets it up, for example "Fresh Produce Only" or "All Grocery". That scope is hard-coded. It does not change after deployment. Enforcement is a category-level pass or fail: there is no barcode scanning and no real-time catalog behind it. A promo code is closer to restricted store credit than to a card. This is why promo code scopes tend to be broad, and why the initial setup matters so much.

Real examples from our 14 production promo codes (the Identifier is what a product references):

NameIdentifierRedeemAt
BridgeMart ATF6814626in_store_and_online
Holiday Turkey7288082in_store_and_online
Nutrition Essentials7288492in_store_and_online
Breast Pump & Supplies7600922in_store_and_online
US Safety3336214in_store_only

RedeemAt has exactly two values: in_store_only and in_store_and_online. The redeemable code itself is a separate secret string per promo; it is not shown here.

Under the hood

  • There is no WM-Managed flag in our database or code. The arrangement lives in the InComm and Walmart paperwork. The nearest real field is products.CardIssuer, which only distinguishes who mints the card.
  • A Walmart promo product is a row in products with CardIssuer = walmart and a PromoCode that points at a row in promocodes.
  • Issuing a Walmart card skips InComm entirely. The platform sends a Fiserv/Datawire request, and Walmart's side returns the card number and an EAN. The EAN is stored in the card's SecurityCode field, and the member redeems with an EAN barcode or QR code.
  • There is no clip concept on the Walmart side. Each issuance is its own stored-value card.
  • Walmart redemptions do not arrive by webhook. They arrive in a daily settlement file and land in walmartfileimporttransactions. Expect them later than InComm events.
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