They’re building Pay by Bank into their app, which will use US instant payment rails (RTP and FedNow) to request and facilitate payments much more inexpensively than via credit card rails and trimmings (like Apple Pay) bolted on top.

https://www.paymentsdive.com/news/walmart-pay-by-bank-instan...

https://www.walmart.com/help/article/pay-by-bank-program-ter...