Yes, Smart & Final accepts WIC at many of its U.S. locations. However, acceptance varies by state and individual store, so you will want to confirm with your local branch before shopping.

This guide covers how to verify if your store participates, what shopping options are available, and which WIC-eligible items you can typically find.

Does Smart & Final Accept WIC?

Smart & Final accepts WIC benefits at participating store locations. Since the WIC program is administered at the state level, each store must be individually authorized to accept these payments. Not all Smart & Final locations are part of the program, so it is important to know that participation can vary by store.

Most states have transitioned to eWIC cards, which simplify the checkout process. At a participating Smart & Final, you can use your eWIC card just like a debit card. Simply swipe the card at the terminal and enter your PIN. The system automatically deducts the cost of approved items from your benefits.

Does Smart & Final accept WIC for online orders?

Currently, Smart & Final does not accept WIC for online orders, delivery, or curbside pickup. According to the company's policies, WIC benefits can only be used for in-store purchases. You must present your physical WIC card at checkout inside the store to pay for your eligible items. This policy applies to all locations, and online payment options for WIC are not available.

Why Some Smart & Final Locations Accept WIC and Others Don't

Several factors determine whether a specific Smart & Final location can accept WIC payments. The decision involves state regulations, store capabilities, and individual store choices.

State-Level Administration

Although the federal government funds WIC, each state administers its own program. This means every state maintains a unique list of authorized vendors. As a result, a Smart & Final in California might accept WIC benefits, while a store in a neighboring state like Arizona or Nevada may not be authorized.

Store Authorization Requirements

To accept WIC, a store must apply to its state agency and meet strict criteria. These requirements often include stocking minimum quantities of approved foods, using eWIC-compatible payment systems, and training staff on WIC transactions. Some locations may not pursue authorization or fail to meet these standards, preventing them from participating.

Store Format and Inventory

The store's format also plays a role. Smart & Final operates different store sizes, including the larger Smart & Final Extra! and smaller warehouse formats. A smaller location may lack the necessary shelf space to stock the full range of WIC-required inventory, which can prevent it from qualifying for the program.

Changes in Authorization

A store’s authorization status is not always permanent. A location can gain or lose its ability to accept WIC payments based on compliance and other factors. Because participation can change, it is always a good idea to confirm a store's current WIC status before you go shopping to avoid any issues at checkout.