A charge showing “702 SW 8th St” on your credit card statement is from Walmart. That street address belongs to Walmart’s corporate headquarters in Bentonville, Arkansas, and it appears as the billing location whenever a transaction is processed through Walmart’s central systems rather than a specific store. The usual culprits are a Walmart.com order, a Walmart+ subscription renewal, or a purchase from a third-party seller on Walmart’s marketplace.
Why the Headquarters Address Shows Up
Purchases made inside a physical Walmart usually appear on your statement as something like “WM SUPERCENTER” or “WMT*STORE#1234” with a four-digit store number attached. Online purchases route through Walmart’s corporate payment infrastructure instead, and the billing descriptor defaults to the Bentonville address. You may see it formatted as “WALMART.CO 702 SW 8th St 800-966-6546 AR” or a close variation.
The phone number embedded in that string, 800-966-6546, is Walmart’s customer service line. The “AR” at the end is Arkansas. Nothing about the descriptor means someone walked into a store at that address with your card.
Which Purchases Trigger This Charge
Walmart.com and Marketplace Orders
Anything bought through Walmart.com or the Walmart app bills through corporate. That covers items sold directly by Walmart and items sold by third-party marketplace sellers. The marketplace piece is what confuses people most often: you might have ordered from a small brand you barely remember, and the statement shows Walmart’s headquarters instead of that seller’s name.
Walmart+ Subscriptions
Walmart+ costs $12.95 per month or $98 per year, plus applicable sales tax, so the exact amount varies slightly by location.1Walmart. Walmart+ Membership These charges auto-renew, which means they can appear months after you first signed up. Sam’s Club memberships sometimes bill through the same shared infrastructure and display the same headquarters address.
Pending Holds and Adjusted Totals
Walmart places a temporary authorization hold on your card when you place an online order. The final charge can differ from the hold if items are substituted, out of stock, or if a grocery delivery total shifts based on item weight. Once the order is complete, the hold can take up to 10 days to drop off depending on your bank.2Walmart. Temporary Holds and Charges During that window both the hold and the final charge may sit on your statement, making it look like you were billed twice. Wait for the hold to clear before assuming it’s a duplicate.
Delivery Tips
If you use Walmart grocery delivery, the tip is typically folded into the total charge rather than shown as a separate line. That can push the final amount a few dollars above the subtotal you saw at checkout. Shipped Walmart+ orders don’t involve tips, so those totals should match your order confirmation exactly.
How to Verify the Charge
Before assuming fraud, run through the innocent explanations first. A family member or authorized user may have made the purchase. A subscription may have renewed. A pending hold may be inflating what looks like your balance.
To find the specific transaction, log into your Walmart.com account or open the Walmart app and check your Purchase History. Match the date and the exact dollar amount, cents included, against your statement. Each order has an ID and a breakdown of items, shipping, and tax. A Walmart+ charge won’t be in Purchase History; it lives under your subscription settings.
Confirmation emails are a useful backup. Search your inbox for messages from Walmart around the date of the charge. A match means the charge is legitimate. If nothing matches and no one else on the account recognizes it, treat it as unauthorized and move to the dispute steps below.
Disputing a Charge You Don’t Recognize
Contact Walmart First
Call Walmart customer service at 1-800-925-6278 with the transaction date, amount, and any order details. Walmart can sometimes identify the transaction in its system even when you can’t, particularly if it came from a marketplace seller or a subscription you forgot was active. If the charge doesn’t belong to you, Walmart may refund it directly, which is faster than going through your bank.
File a Billing Error Notice With Your Card Issuer
If Walmart can’t resolve it, dispute the charge with your credit card company. Under the Fair Credit Billing Act, you have 60 days from the date the statement containing the charge was sent to submit a written billing error notice.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Most banks let you start a dispute through their app or website, but the statute technically requires written notice sent to the address your issuer designates for billing disputes, which is not always the general mailing address.
Once your issuer receives the dispute, it has to acknowledge the notice in writing within 30 days. It then has two full billing cycles, and no more than 90 days, to investigate and either correct the error or explain why the charge is accurate.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation is running, you don’t have to pay the disputed amount, and the issuer cannot report it as delinquent or send it to collections.4Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution
One point people misunderstand: your bank is not required to issue a temporary credit while the investigation is pending. Some banks do it as a courtesy; the law only guarantees your right to withhold payment on the disputed portion without penalty.
Zero-Liability Coverage
On top of the federal rules, Visa and Mastercard maintain zero-liability policies for unauthorized charges on their branded cards. Visa’s policy requires the issuing bank to replace stolen funds within five business days of being notified.5Visa. Visa Zero Liability Policy The protection applies to online and in-person transactions. It depends on you using reasonable care with your card and reporting the unauthorized use promptly; gross negligence or a long delay in reporting can reduce or eliminate the coverage.
After Confirmed Fraud
If the charge is genuinely fraudulent, disputing the one transaction isn’t enough. Whoever has your card number can use it again. Ask your issuer to cancel the compromised card and send a replacement. Then update your card details anywhere you have auto-billing set up, since those payments will start declining as soon as the old number is deactivated.
If you think your personal information was exposed beyond the card number, place a credit freeze with Equifax, Experian, and TransUnion. A freeze blocks new accounts from being opened in your name. You can place one online or by phone, and the bureaus must activate it within one business day. Lifting it later takes as little as one hour by phone or online.6USAGov. How to Place or Lift a Security Freeze on Your Credit Report A freeze doesn’t affect your existing cards or your credit score; it only blocks new credit applications until you lift it.
Check your other accounts as well. Someone who gets one card number often tests others or attempts purchases across different retailers, so review recent activity on every card and bank account, not just the one where the Walmart charge appeared.