A directory on TranzactCard’s website suggests its Z-Store is stocked with Walmart products.

As opposed to an actual ecommerce competitor (Amazon, eBay etc.), this would make TranzactCard nothing more than a Walmart affiliate.

The TranzactCard website directory in question can be found at “tranzactcard.com/account/uploads/imports”:

What you’re looking at are a bunch of CSV databases, populated with product information, details and pricing from Walmart.

I doubt these files are currently active, with TranzactCard more likely to be using Walmart’s API system:

To be clear, there’s absolutely nothing wrong with being a Walmart affiliate or using their API system – anyone can sign up for free.

From a due-diligence perspective this isn’t how TranzactCard pitched Z-Club. That TranzactCard is just a Walmart affiliate is information that has been hidden from consumers.

Z-Club did launch during TranzactCard’s November 12th-14th launch. The website was quickly pulled down however.

In a subsequent TranzactCard corporate update, unspecified “technical delays” was the
provided reason
.

Personally what I’m still unclear on is how TranzactCard is going to fund Z-Bucks.

Every time you spend $1 using your TranzactCard, earn a matching 
Z-Buck.

Z-Bucks
 can be spent in 
Z-Club
 making everything – from everyday items to vacation packages – more affordable.

Walmart certainly isn’t going to eat the loss, and transaction fees alone are nowhere enough to funds Z-Bucks. The only other known revenue stream TranzactCard has is customer and member fees.

I suspect if Z-Club’s website was left online and purchases were being processed, TranzactCard membership fee revenue would be depleted pretty fast. This is why the site was pulled.

Unfortunately Z-Buck funding remains unclear, because TranzactCard fails to disclose this information to consumers. I’ve previously written about TranzactCard’s disclosure failures being potential violations of the FTC Act.

🤖 Quick Answer

What products does TranzactCard's Z-Store sell?
TranzactCard's Z-Store is stocked with Walmart products. Directory files discovered on TranzactCard's website contain CSV databases with product information, details, and pricing sourced from Walmart, suggesting the platform operates as a Walmart affiliate rather than an independent ecommerce competitor.

How does TranzactCard access Walmart's product inventory?
TranzactCard likely uses Walmart's API system to access product data and inventory information. Previously accessible CSV database files on the company's website contained Walmart product information, though these files appear no longer active in current operations.

Is there a legal issue with TranzactCard using Walmart's products?
No legal issue exists with operating as a Walmart affiliate or utilizing Walmart's API system, as both options are publicly available to anyone free of charge. However, this

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