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• Definition of TO PAY A VISIT

Pay a Visit

What Does "Pay a Visit" Mean?

Examples in sentences.

• I'll pay a visit to my grandmother in the hospital after work.
• It's always nice to pay a visit to old friends and catch up.
• We should pay a visit to that new art gallery downtown.

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pay a visit

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• Meaning of pay a visit

pay a visit ( English)

• ( idiomatic ) To visit .
• ( idiomatic , euphemism ) To go to the toilet .

▾  Further examples

I must pay a visit to the doctor tomorrow. Tatoeba.org Sentence 323358

Friends who pay a visit are an ornament to the home. Tatoeba.org Sentence 5158622

Prince Harry landed in London, England to pay a visit to his father, King Charles, who was diagnosed with cancer. The 39-year-old Duke of Sussex rushed to be with the monarch, who announced his cancer diagnosis on Monday (February 5). Just Jared, 6 February 2024

▾  Dictionary entries

Entries where "pay a visit" occurs:

rendre : …You make me ill to give back; to return to pay (a visit)    L'amour vient rendre visite à mon âme. — Love comes to pay a visit to my soul. (reflexive) to make one's way (to a place), to get oneself (into a place) (with dans) 2009…

拜謁 : …jit3 Verb 拜謁 (honorific, literary) to pay visit to a superior; to have an audience with or call on somebody holding high office (literary) to look at with reverence; to pay homage to Synonyms to pay a visit to a superior: to look at with reverence:…

heimsækja : …heimsækja (weak verb, third-person singular past indicative heimsótti, supine heimsótt) (transitive, governs the accusative) to visit, to pay a visit Related words & phrases líkur sækir líkan heim sækja heim Synonyms fara í heimsókn til…

家訪 : 家訪 (Chinese) trad. 家訪, simpl. 家访 Pronunciation Mandarin: jiāfǎng Cantonese: gaa1 fong2 Verb 家訪 to pay a home visit, especially: (of a teacher) to pay a visit to a student's home and have a talk to his or her parents

տես : …view; spectacle, scene; vision, apparition visit (to a sick)    ի տես երթալ‎ to go to see, to call upon, to pay a visit to‎    եկն ի տես իմ‎ he came to see me, he called upon me‎ Descendants Armenian:…

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pay as you earn (English)

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pay back (English)

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insolentia (Latin) , hadashi , reputation (synonyms)

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• pay a visit to

verb as in visit

Strongest matches

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• come around
• look around

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verb as in pay a visit

verb as in be a guest of

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On this page you'll find 44 synonyms, antonyms, and words related to pay a visit to, such as: call, call on, frequent, hit, inspect, and play.

From Roget's 21st Century Thesaurus, Third Edition Copyright © 2013 by the Philip Lief Group.

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Definition of visit

 (Entry 1 of 2)

transitive verb

intransitive verb

Definition of visit  (Entry 2 of 2)

• call (on or upon)
• drop in (on)

Examples of visit in a Sentence

These examples are programmatically compiled from various online sources to illustrate current usage of the word 'visit.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples.

Word History

Middle English, from Anglo-French visiter , from Latin visitare , frequentative of visere to go to see, frequentative of vidēre to see

13th century, in the meaning defined at transitive sense 3d

1621, in the meaning defined at sense 1a

Phrases Containing visit

• conjugal visit
• pay a visit to
• pay (someone) a visit
• visit on / upon

Dictionary Entries Near visit

vision quest

Cite this Entry

“Visit.” Merriam-Webster.com Dictionary , Merriam-Webster, https://www.merriam-webster.com/dictionary/visit. Accessed 25 Apr. 2024.

Kids Definition

Kids definition of visit.

Kids Definition of visit  (Entry 2 of 2)

Middle English visiten "to go to a person especially to give comfort," from early French visiter (same meaning), derived from Latin visere "to go to see," from vidēre "to see" — related to vision

Medical Definition

Medical definition of visit.

Medical Definition of visit  (Entry 2 of 2)

More from Merriam-Webster on visit

Nglish: Translation of visit for Spanish Speakers

Britannica English: Translation of visit for Arabic Speakers

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• to go somewhere to spend time with (someone, such as a friend or relative) : to visit

170 Sentences With "pay a visit to"

How to use pay a visit to in a sentence? Find typical usage patterns (collocations)/phrases/context for " pay a visit to " and check conjugation/comparative form for " pay a visit to ". Mastering all the usages of " pay a visit to " from sentence examples published by news publications.

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Second day of testimony wraps in Trump hush money trial

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell in the courthouse

What you need to know about Trump's gag order as judge considers whether the former president should be fined

From CNN staff

The judge overseeing Donald Trump's first criminal trial will consider this morning whether the former president should be fined for repeatedly violating the gag order barring Trump from publicly discussing witnesses or jurors in the criminal hush money case.

Here's what to know about the gag order imposed on Trump by Judge Juan Merchan in late March:

Why was it imposed? Merchan implemented the gag order because, he said, the former president has a history of making “threatening, inflammatory, denigrating” statements against people at all levels of the justice system, including jurors. According to CNN senior legal analyst Elie Honig, the fundamental reason for the gag order is to protect members of the jury.

What does it do? The ruling limits the former president from making statements about potential witnesses in his hush money criminal trial. It prevents Trump from criticizing his former attorney, Michael Cohen, or adult film star Stormy Daniels, who will be witnesses at trial. But it does not prevent Trump from talking about New York District Attorney Alvin Bragg, who is a public figure, or Merchan himself.

Merchan also ruled that Trump can’t make statements about attorneys, court staff or the family members of prosecutors, lawyers, family members of the court and family members of the Manhattan district attorney. Trump is also barred from making statements about any potential or actual juror.

What does Trump say? Trump and his attorneys have argued that as the leading Republican candidate for president, Trump’s speech should not be restricted as he appeals to voters in the 2024 election. When Merchan expanded the original order to include family members of the court in early April, Trump's lawyers indicated they would appeal it , arguing it went too far.

Here's what the Trump team is expected to argue in court today in the gag order hearing

From CNN's Paula Reid

The argument from Donald Trump's legal team this morning in the gag order hearing is expected to cover the usual constitutional arguments against the order, and then focus specifically on three familiar targets:

• Judge Juan Merchan and allegations of conflict in the case due to his daughter's alleged Democratic ties.
• Michael Cohen and the unilateral nature of the gag order and how it allows Cohen to attack Trump.
• Prosecutor Matthew Colangelo and how the gag order prevents Trump's team from talking about Colangelo's time at the Department of Justice under President Joe Biden.

They are also expected to argue that republishing on Truth Social should not be covered in the order. Trump has been quoting others as a way to get around the gag order. It is not clear that will work, but that is part of the legal team's argument.

Here's which of Trump's past cases can be brought up in this trial based on Judge Merchan's rulings

Judge Juan Merchan determined on Monday that some of Donald Trump's past wrongdoings and legal matters can be brought up in his hush money trial, but others cannot.

Merchan issued his ruling from last Friday's Sandoval hearing — a routine process through which the court will determine to what extent Trump's past wrongdoing can be brought up in the current trial.

What is allowed:

• New York civil fraud verdict: Merchan said he would allow Trump to be cross-examined on the verdict in the New York civil fraud case brought by state Attorney General Letitia James that found he violated the law by fraudulently inflating the value of his properties. Merchan said he would also allow prosecutors to ask Trump about the two violations of Judge Arthur Engoron's gag order during that trial last fall. Trump was fined $15,000 for those violations.
• E. Jean Carroll verdicts: Prosecutors will also be allowed to ask Trump about both E. Jean Carroll verdicts in federal court where juries found that Trump defamed Carroll by denying her allegations that he raped her. Trump was ordered to pay $83.3 million for defaming Carroll.
• Settlement with New York attorney general: Merchan will also allow prosecutors to elect testimony from the former president about the settlement he reached with the New York attorney general that led to the dissolution of the Donald J. Trump Foundation .

What's not allowed:

• Hillary Clinton lawsuit: The judge won't allow prosecutors to ask Trump about the ruling in Florida that sanctioned Trump for filing a frivolous lawsuit against Hillary Clinton .
• Tax fraud conviction: The 2022 Trump Org tax fraud conviction is also off limits for prosecutors if Trump testifies, Merchan ruled.

Key things to know about Trump's legal team

From CNN Staff

Trump's legal team is led by Todd Blanche and Emil Bove, two former federal prosecutors from New York, and Susan Necheles, a veteran criminal defense lawyer with deep experience in New York and before Merchan.

• Necheles represented Trump’s business at its  tax fraud trial in 2022 . The company was convicted. 
• Blanche has worked as a prosecutor and defense attorney at two large law firms, according to his website . He says, during his career as a defense attorney, he got the criminal indictment against Trump’s 2016 campaign chairman Paul Manafort dismissed prior to trial and achieved an “unexpectedly positive result in the politically charged prosecution by the SDNY against Igor Fruman, an associate of Rudy Giuliani.” Fruman was sentenced to one year and one day in prison for his role in a scheme to funnel Russian money into US elections.
• Bove was the co-chief of the national security unit at the US attorney’s office for the southern district of New York. In a statement to CNN in September 2023, Blanche said that Bove is “an expert in white collar and CIPA-related litigation.”
• Kendra Wharton , a white collar defense lawyer who has experience practicing in Washington, DC, was also added to the former president’s legal team . She is a “brilliant lawyer and clients have trusted her for years,” Blanche said in the 2023 statement.

Trump's motorcade arrives at court

Donald Trump’s motorcade has arrived at the courthouse where the former president is expected to attend a second day of witness testimony in his historic criminal trial.

Before today's testimony, the judge will hold a gag order hearing at 9:30 a.m. ET. 

Here's what prosecutors have to prove to make their case against Trump in the hush money trial

From CNN's Maureen Chowdhury

The prosecution in the hush money trial against Donald Trump will have to rely on documents that prove intent in order to make their case to the jury and judge.

"There are 34 business records counts," CNN's chief legal analyst Laura Coates noted.

Coates went through an argument checklist on what prosecutors will be aiming to prove:

• Intent to defraud
• Intent to commit another crime
• Aid to conceal the commission of that crime
• Made and caused a false entry in the business records — which Coates notes is a key argument because that's the idea that says that this was an illegal retainer, "in fact a non-existent one."
• Documents/evidence needed to show falsified records

And then the motive will need to be determined on whether this was a private or political act: Whether this was done to protect and prevent Trump's wife, Melania Trump, from finding out about the affair or done for political purposes.

"Even if it was half private, half political, it doesn't matter," Coates said.

Biden expected to keep robust public schedule while Trump is in court, Biden advisers say

From CNN's Kayla Tausche

During the first two weeks of Donald Trump’s criminal trial, President Joe Biden will have traveled to four states touting his policies on clean energy, reproductive rights and manufacturing. And Biden advisers – both at the campaign and the White House – say that robust schedule will continue over the course of the coming weeks as his predecessor's trial plays out in a lower Manhattan courtroom through mid-June.

A campaign official described the strategy as staying a course that Biden has been on for months now: pounding the pavement while his rival seethes on social media.

“We don’t have to do anything out of the ordinary,” the campaign official told CNN, comparing the differences in the candidates’ schedules in the month of March, before the trial began. “That implicit contrast is already there.”

While the White House has preferred to let the visual “split-screen,” in aides’ parlance, speak for itself, the campaign has been sending out sharply worded missives, needling Trump for being off the campaign trail and lagging his 2020 fundraising benchmarks. Behind the scenes, campaign staff are using the weeks-long trial to recalibrate, plan and strategize for the spring to November, one official says.

Pennsylvania his holding its presidential primary elections today.

Trump is on his way to the Manhattan courthouse

Donald Trump’s motorcade has departed Trump Tower and is headed downtown to the Manhattan criminal court where a jury is expected to hear from his longtime friend and former chief executive of American Media, David Pecker.

As Pecker returns to the stand Tuesday, prosecutors will seek to lay out the "catch and kill” scheme and his role in orchestrating two nondisclosure agreements for negative stories about Trump.

But first, the judge will consider whether to fine Trump for repeatedly violating the gag order barring the former president from publicly discussing witnesses or jurors in the criminal hush money case.

The gag order hearing kicks off at 9:30 a.m. ET — and if arguments are not completed by 11 a.m. ET — the judge indicated the arguments will continue another time, and the court will bring the jury back to resume direct questioning of Pecker, the Manhattan DA’s witness who is testifying under subpoena.

The court is expected to end at 2 p.m. ET due to the Passover holiday.

Here's what David Pecker said in his testimony as the first witness in Trump's hush money trial

From CNN's Elise Hammond

The first witness took the stand in former President Donald Trump’s hush money trial on Monday after both sides laid out parts of their cases to the jury in opening statements.

During his testimony, David Pecker described his job at the time as the former chairman of the National Enquirer’s parent company. Pecker is set to return to the stand on Tuesday.

Here's a recap of what he said:

• Pecker told the jury about his role at National Enquirer’s parent company and said that any big stories involving celebrities had to go through him.
• He said editors could spend up to $10,000 to investigate and publish a story, but anything more than that would have to be vetted and approved by him. 
• Pecker also testified that he had a private email for things he didn’t want his assistant to see.
• Remember: Pecker has been  granted immunity  in exchange for his testimony and the parent company, American Media Inc., signed a  non-prosecution agreement  with prosecutors.

During opening statements, prosecutor Matthew Colangelo focused on the case, telling the jury it is “about a criminal conspiracy and a cover-up.”

During his turn, Trump's attorney Todd Blanche told the jury, "President Trump is innocent” and that “none of this was a crime.” He said they will find “plenty of reasonable doubt” in the prosecution's case. 

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What happens if Trump is found guilty in hush money case? Prison is certainly an option.

If former President Donald Trump is convicted on all counts in his New York criminal hush money trial that began last week, he could theoretically face more than a decade in prison.

But most legal experts who spoke to USA TODAY said such a dramatic outcome is unlikely. Instead, he would likely be sentenced to something between probation and four years in prison. And he would probably still be out, free to campaign for president as the presumptive or actual 2024 Republican nominee, while his all-but-certain appeal was pending.

Trump faces 34 felony counts of falsifying business records to cover up a hush money payment to adult film actress Stormy Daniels. Each count carries a maximum sentence of four years.

While Trump could in principle be sentenced to serve multiple counts consecutively, several experts said that is unlikely because he has no felony criminal record and the charges don't involve allegations of physical violence.

On the other hand, Trump has tested boundaries and feuded with the judge who may determine his fate.

Prep for the polls: See who is running for president and compare where they stand on key issues in our Voter Guide

Trump has antagonized Judge Juan Merchan

Trump's sentence would be decided by Judge Juan Merchan , who has grown exasperated by the former president's pretrial behavior. Merchan expanded a gag order this month after Trump attacked the judge's daughter on social media over her marketing work with Democratic candidates, including posting a photo of her. Merchan said Trump has a history of attacking the family members of judges and lawyers in his legal cases.

"The average observer, must now, after hearing Defendant's recent attacks, draw the conclusion that if they become involved in these proceedings, even tangentially, they should worry not only for themselves,  but for their loved ones as well ," Merchan wrote in his gag order decision .

John Moscow, a New York lawyer who spent 30 years in the Manhattan District Attorney's Office, told USA TODAY that type of behavior could worsen any sentence Trump faces.

"If I were representing somebody in (Trump's) position, I would suggest to him that the judge is the one who imposes sentence and he ought to be careful," Moscow said.

If Merchan did consider a hefty sentence, it wouldn't be the first time he has taken a harsh view about behavior in Trump's orbit.

In 2023, Merchan was forced to sentence former Trump Organization chief financial officer Allen Weisselberg to only five months in jail because Merchan had previously accepted a plea bargain agreement between Weisselberg and prosecutors specifying that jail term. Weisselberg pleaded guilty to tax and record falsification charges and agreed to testify against the Trump Organization at trial in order to get that sentence.

The judge said, however, that he "would be imposing a sentence much greater than that" had he not accepted the plea bargain before hearing all the evidence at the trial. Without the plea deal, Weisselberg could have faced many years in prison.

What is Trump charged with?

Trump has pleaded not guilty to all counts in the case, which focuses on whether he falsified business records to cover up reimbursements to his former lawyer, Michael Cohen, for a $130,000 hush money payment to Daniels. Daniels has said she had a sexual encounter with Trump soon after Melania Trump gave birth to their son, Barron Trump. Trump denies the claim.

In order to secure felony convictions, Manhattan District Attorney Alvin Bragg's office must convince a 12-person jury that Trump falsified the records in order to commit or conceal another crime. In this case, Bragg argues Trump was trying to conceal a federal campaign finance law violation by falsely recording his reimbursements to Cohen as payments for legal services. The federal violation was a limit-exceeding contribution to Trump's 2016 presidential campaign, as the payment was allegedly designed to keep Daniels' story from hurting the then-Republican nominee's election prospects. Bragg also alleges Trump was trying to conceal a plan to violate New York tax and election laws.

Nothing in the Constitution prevents Trump from becoming president even if he is convicted or sentenced to prison. If he won the election, however, courts may delay any prison time until after his term in office expires .

What is the maximum possible sentence?

The 34 felony counts Trump faces are classified as "Class E felonies" under New York law – the lowest level felony in the state. The maximum penalty on each count is four years of prison, and a judge would have discretion over whether to order Trump to serve sentences on each count at the same time or one after the other. However, New York caps such sentencing for Class E felonies at 20 years .

In addition, New York judges often impose sentencing ranges, where an incarcerated person becomes eligible for parole at the low end of the range. For Class E felonies, the lowest end of a range would be one-and-a-third years per count, while the highest would be four years. Good behavior in jail or prison can speed things up even more.

A sentence limited to probation?

Merchan would also have discretion to order a fixed sentence of less than those ranges, including probation.

That's what Mitchell Epner, a New York lawyer with decades of criminal law experience, expects would happen even if Trump were convicted on all counts. Epner noted the felony charges aren't violent and don't involve drugs.

"With a defendant who has no prior criminal record, my absolute expectation would be a sentence of probation," Epner told USA TODAY.

Epner wasn't alone in thinking that could be the sentencing outcome.

"This is a case that does not involve any physical violence, and it doesn't – there's not sort of a 'named victim,' so to speak – and so the court is going to take that into consideration," Anna Cominsky, who directs the Criminal Defense Clinic at New York Law School, told USA TODAY.

"In addition, I think it is unlikely that he would be sent to prison given who he is, given both the fact that he has no criminal record, and there is no getting around the fact that he is a former president of the United States," Cominsky said.

Incarceration a real possibility

Norman Eisen, a Brookings Institution senior fellow who served as special counsel to the House Judiciary Committee during Trump's first impeachment, thought a sentence that includes some incarceration is likely.

Eisen co-authored a report looking at sentencing for other defendants with no criminal history who were convicted of falsifying business records in New York. There, he noted one construction executive was sentenced in 2015 to spend two days each week in jail for a year for falsifying records to conceal payments in a bribery scheme. In 2013, two corporate executives were ordered to spend four to six months in jail for falsifying records to misclassify their salaries as expenses under their employer's larger bribery and fraud scheme.

"I think he's likely to face a sentence of incarceration if he's convicted," Eisen told USA TODAY.

Cominsky said the evidence Merchan hears at trial could also influence his thinking when it comes to sentencing.

"Often you'll hear judges refer to testimony at trial, evidence that was presented at trial, and say, 'This is why I'm imposing this sentence, because I heard from this particular witness or I saw this particular piece of evidence,'" Cominsky said.

Moscow pushed back against the assumption that Trump's sentences on each count would run simultaneously, instead of being stacked on top of each other. Just as a judge may take into account that a defendant has won a Nobel Peace Prize or lifted orphans from poverty, the judge may look at significant evidence of bad acts, Moscow said.

"When you start attacking the judge's daughter, and making her out to be a target, you have just breached the normal rules," Moscow said.

Trump has also posted a photo of himself wielding a bat, with his eyes directed toward an adjacent photo of Bragg, among other attacks on the district attorney. Bragg's office has received thousands of harassing emails, calls, and texts – including death threats – after Trump's social media attacks, it said in a court filing .

Diana Florence, a New York lawyer who spent decades in the Manhattan District Attorney's office, said Merchan's sentence would need to have some relation to what other white-collar defendants in similar cases have received, and she would be surprised if someone had ever gotten a sentencing range for falsifying business records with a minimum of 10 years or more.

Such a long sentence "would be very, very, very, very unusual, and if Judge Merchan wanted to make a point and do that, I highly doubt the appellate division would allow that to stand," she said. "It's just too much time for the conduct."

However, Florence added that a reasonable sentencing range could include a minimum period of more than a year incarcerated.

Sentencing someone with Secret Service protection?

Contemplating any jail or prison sentence would take Merchan into unchartered territory: Trump is the first former president ever criminally charged, and the Secret Service provides him with around-the-clock security.

But avoiding a sentence of incarceration on that basis risks undermining the idea of equal treatment under the law, Moscow suggested.

"If I were the judge − and I don't know what a judge would do in this case − I would reject out of hand the concept that because he was once president, and because as a matter of policy the Secret Service guards former presidents, that therefore he can't go to jail," Moscow said.

The question would then become how to reconcile equal treatment with ensuring a former president's security, according to Moscow. The judge could get creative, for example by ordering the former president to stay in a hotel wing or at a military base, where he is isolated just like any other prisoner but still has Secret Service protection.

"You can structure things to achieve the proper result without conceding that the defendant has the upper hand," Moscow said.

Chances of immediate prison? 'Less than 1%'

Many convicted defendants are "remanded" pending sentencing, a process in which they are taken into custody while they await their sentence, Florence said.

But Florence didn't expect Merchan to give that order when it comes to Trump, and even if Merchan did, Trump would likely be able to get bail set by an appeals court in the thousands of dollars to stay free during his appeal. That's all the more likely if Trump receives a low sentence, since the appeal could take longer than his actual sentence, she said.

"The chances of him going to prison immediately, even if he's convicted in whatever, six weeks from now or whenever, are I would say less than 1% because he would immediately be released on bail pending appeal," according to Florence.

Eisen agreed Trump probably wouldn't be incarcerated by Election Day, even if he's convicted on all counts.

"I think he's extremely unlikely to be forced to serve that sentence pending appeal," Eisen said.

Walmart-backed fintech One introduces buy now, pay later as it prepares bigger push into lending

Walmart’s  majority-owned fintech startup  One  has begun offering buy now, pay later loans for big-ticket items at some of the retailer’s more than 4,600 U.S. stores, CNBC has learned.

The move puts One in direct competition with  Affirm , the BNPL leader and exclusive provider of installment loans for Walmart customers since 2019. It’s a relationship that the Bentonville, Arkansas, retailer  expanded  recently, introducing Affirm as a payment option at Walmart self-checkout kiosks.

It also likely signals that a battle is brewing in the store aisles and ecommerce portals of America’s largest retailer. At stake is the role of a wide spectrum of players, from fintech firms to card companies and established banks.

One’s push into lending is the clearest sign yet of its ambition to become a financial superapp, a mobile one-stop shop for saving, spending and borrowing money.

Since it  burst  onto the scene in 2021, luring  Goldman Sachs  veteran  Omer Ismail  as CEO, the fintech startup has intrigued and threatened a financial landscape dominated by banks — and poached talent from more established lenders and payments firms.

But the company, based out of a cramped Manhattan WeWork space, has operated mostly in stealth mode while developing its early  products , including a debit account released in 2022.

Now, One is going head-to-head with some of Walmart’s existing partners like Affirm who helped the retail giant generate $648 billion in revenue last year.

On a recent visit by CNBC to a New Jersey Walmart location, ads for both One and  Affirm  vied for attention among the Apple products and Android smartphones in the store’s electronics section.

Offerings from both One and Affirm were available at checkout, and loans from either provider were available for purchases starting at around $100 and costing as much as several thousand dollars at an annual interest rate of between 10% to 36%, according to their respective websites.

Electronics, jewelry, power tools and automotive accessories are eligible for the loans, while groceries, alcohol and weapons are not.

Buy now, pay later has gained popularity with consumers for everyday items as well as larger purchases. From January through March of this year, BNPL drove $19.2 billion in online spending, according to Adobe Analytics. That’s a 12% year-over-year increase.

Walmart and One declined to comment for this article.

Who stays, who goes?

One’s expanding role at Walmart raises the possibility that the company could force Affirm,  Capital One  and other third parties out of some of the most coveted partnerships in American retail, according to industry experts.

“I have to imagine the goal is to have all this stuff, whether it’s a credit card, buy now, pay later loans or remittances, to have it all unified in an app under a single brand, delivered online and through Walmart’s physical footprint,” said  Jason Mikula , a consultant formerly employed at Goldman’s consumer division.

Affirm declined to comment about its Walmart partnership.

For Walmart, One is part of its broader effort to develop new revenue sources beyond its retail stores in areas including finance and health care, following rival  Amazon’s  playbook with cloud computing and streaming, among other segments. Walmart’s newer businesses have higher margins than retail and are a part of its plan to grow profits faster than sales.

In February, Walmart said it was buying TV maker Vizio for  $2.3 billion  to boost its advertising business, another growth area for the retailer.

'Bank of Walmart'

When it comes to finance, One is just Walmart’s latest attempt to break into the banking business. Starting in the 1990s, Walmart made  repeated  efforts to enter the industry through direct ownership of a banking arm, each time getting blocked by lawmakers and industry groups concerned that a “Bank of Walmart” would crush small lenders and squeeze big ones.

To sidestep those concerns, Walmart adopted a more arms-length approach this time around. For One, the retailer  created a joint venture  with investment firm firm Ribbit Capital — known for backing fintech firms including  Robinhood,  Credit Karma and Affirm — and staffed the business with executives from across finance.

Walmart has not disclosed the size of its investment in One.

The startup has said that it makes decisions independent of Walmart, though its board includes Walmart U.S. CEO, John Furner, and its finance chief, John David Rainey.

One doesn’t have a banking license, but partners with  Coastal Community Bank  for the debit card and installment loans.

After its failed early attempts in banking, Walmart pursued a partnership strategy, teaming up with a constellation of providers, including Capital One,  Synchrony,  MoneyGram,  Green Dot , and more recently, Affirm. Leaning on partners, the retailer opened thousands of physical MoneyCenter locations within its stores to offer check cashing, sending and receiving payments, and tax services.

From paper to pixels

But Walmart and One executives have made no secret of their ambition to become a major player in financial services by leapfrogging existing players with a clean-slate effort.

One’s no-fee approach is especially relevant to low- and middle-income Americans who are “underserved financially,” Rainey, a former  PayPal  executive, noted during a December conference.

“We see a lot of that customer demographic, so I think it gives us the ability to participate in this space in maybe a way that others don’t,” Rainey said. “We can digitize a lot of the services that we do physically today. One is the platform for that.”

One could generate roughly $1.6 billion in annual revenue from debit cards and lending in the near term, and more than $4 billion if it expands into investing and other areas, according to  Morgan Stanley .

Walmart can use its scale to grow One in other ways. It is the largest private employer in the U.S. with about 1.6 million employees, and it already offers its workers early access to wages if they sign up for a corporate version of One.

Walmart's next card

There are signs that One is making a deeper push into lending beyond installment loans.

Walmart recently  prevailed  in a legal dispute with  Capital One , allowing the retailer to end its credit-card partnership years ahead of schedule. Walmart  sued  Capital One last year, alleging that its exclusive partnership with the card issuer was void after it failed to live up to contractual obligations around customer service, assertions that Capital One denied.

The lawsuit led to speculation that Walmart intends to have One take over management of the retailer’s co-branded and store cards. In fact, in legal filings Capital One itself alleged that Walmart’s rationale was less about servicing complaints and more about moving transactions to a company it owns.

“Upon information and belief, Walmart intends to offer its branded credit cards through One in the future,” Capital One said last year in response to Walmart’s suit. “With One, Walmart is positioning itself to compete directly with Capital One to provide credit and payment products to Walmart customers.”

Capital One said last month that it could  appeal  the decision. The company declined to comment further.

Meanwhile, Walmart  said  last year when its lawsuit became public that it would soon announce a new credit card option with “meaningful benefits and rewards.”

One has obtained lending licenses that allow it to operate in nearly every U.S. state, according to filings and its  website . The company’s app tells users that credit building and credit score monitoring services are coming soon.

Catching Cash App, Chime

And while One’s expansion threatens to supersede Walmart’s existing financial partners, Walmart’s efforts could also be seen as defensive.

Fintech players including  Block’s  Cash App, PayPal and Chime dominate account growth among people who switch bank accounts and have made inroads with Walmart’s core demographic. The three services made up 60% of digital player signups last year, according to data and consultancy firm  Curinos .

But One has the advantage of being majority owned by a company whose customers make more than 200 million visits a week.

It can offer them enticements including 3% cashback on Walmart purchases and a savings account that pays 5% interest annually, far higher than most banks, according to customer emails from One.

Those terms keep customers spending and saving within the Walmart ecosystem and helps the retailer better understand them,  Morgan Stanley  analysts said in a 2022 research note.

“One has access to Walmart’s sizable and sticky customer base, the largest in retail,” the analysts wrote. “This captive and underserved customer base gives One a leg up vs. other fintechs.”

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Melissa Repko is a retail and consumer reporters for CNBC.com.