Payment Services

Does Lowes take Apple Pay? Other Payment Options In-Store and Online

Are you planning a shopping trip to Lowes soon? If yes, you might be wondering does Lowes take Apple Pay or not? Let’s find out!

What Will We Talk About Here?
  • Lowes does not accept Apple Pay but it takes credit cards, debit cards, and other multiple payment choices.
  • also does not accept Apple Pay.
  • It does not intend to add NFC technology so it highly unlikely that Apple Pay would be introduced anytime soon.

…and Much More!

Does Lowes Take Apple Pay?

Lowes does not accept Apple Pay as a form of payment. Lowes only takes traditional payment methods like debit and credit cards.

  • Apple Pay is based on NFC (near field communication), which Lowe’s does not support until 2021.

Credit cards, PayPal, and the zero card are all accepted at Lowes. While many consumers prefer these options, there is still a gap, given the abundance of contactless payment options available today.

Does Lowes Online Store Take Apple Pay?

Lowe’s does not accept Apple Pay online or through its mobile app, therefore you won’t be able to pay with Apple Pay at

On the other hand, it accepts debit and credit cards, gift cards, Lowes’ credit cards, and PayPal as payment methods for online purchases.

You might be interested in reading: Does Walmart Take Apple Pay?

Reasons Why Lowes Does Not Take Apple Pay 

Lowes and other home improvement stores must keep up with the increasing number of payment options available.

You might be wondering why the organization has taken so long to embrace digitalization. There are a few reasons why Lowe’s hasn’t yet implemented Apple Pay in their locations.

  • With multiple other options, Lowes has not prioritized Apple Pay

It’s also possible that Lowe’s customer base is uninterested in it. Dealing with digital wallets may be too complex or time-consuming for what it’s worth to them.

  • Apple Pay relies on NFC technology which Lowes has not yet integrated

Near-field communication terminals read signals or codes sent by cellphones. This allows payments to be sent without the need for cash or credit cards. However, using NFC technology is costly. Lowe’s has chosen to ignore this technology and does not accept Apple Pay, Samsung Pay, or Google Pay.

  • The transaction fees would disturb profits

The transaction costs linked with Apple Pay would means that Lowes will have to pay Apple merchant fees. Merchant fees can be a significant portion of a retailer’s profit. So there’s a belief that Lowes is conserving profits in this manner.

  • Lowes credit cards are already famous

Apple Pay could reduce the number of people who use Lowes credit cards. Customers can connect several cards and payment kinds to their digital accounts. This would eliminate the need to apply for a Lowes credit card, which is bad for business.

Payment Options Accepted At Lowes

Lowes does not accept any phone-based payment methods. As a result, Samsung Pay, Google Pay, and Venmo are not accepted at the store. You can only pay for your purchases using traditional means.

  • If you have Lowe’s gift cards, you can use them to pay your account in addition to the other alternatives, such as PayPal.

If Lowes is your primary shopping destination, a Lowe’s credit card will come in handy. It can be used to buy anything at Lowe’s, both online and in person. Additionally, following is the list of payment alternatives at this store.

  • Lowe’s Advantage Credit Card.
  • The Lowe’s Business Advantage credit card.
  • Lowe’s Business Account card.
  • Mastercard Lowe’s PreLoad Discover Card.
  • Lowes gift card.
  • Visa cards.
  • Play cards.
  • Cards issued by American Express.
  • Debit cards.
  • Rebates from Lowes.
  • Checks Cash.

Does Lowes Intend To Introduce Apple Pay in Future? 

Lowes currently does not have any NFC technology installed to allow customers to use Apple Pay. Lowe’s also has no plans to deploy this technology to allow customers to utilize digital wallets like Apple Pay.

It hasn’t felt pressured to add Apple Pay and other digital wallets to its accepted payment options because there hasn’t been much perceived demand in deploying NFC technology.

Moreover, Lowes is unlikely to begin installing NFC terminals in their stores unless their customer base begins to demand digital wallets.

The Bottom Line 

Lowes does not accept Apple Pay since their locations lack the necessary NFC terminals. On the other hand, it accepts debit and credit cards, cash, gift cards, and Lowe’s credit cards in its stores.

Furthermore, they have no plans to begin installing these terminals to facilitate the use of digital wallets at this time. Lowe’s may take action if there is widespread support for implementing Apple Pay among its customer. 

Frequently Asked Question

Is Apple Pay accepted at Lowes or Home Depot?

Unfortunately, as of 2021, Home Depot does not accept Apple Pay in-store or online, and it has no plans to do so shortly. To pay using their phone, customers must utilize PayPal in-store or shop online. Target, Ace Hardware, Meijer, and Costco all accept Apple Pay. 

Lowes accepts what types of payments?

For in-store and online purchases, Lowe’s takes American Express, Visa, Mastercard, and Discover cards, as well as cash, debit cards, and Lowe’s gift cards.

Is contactless payment accepted at Lowe’s?

Lowe’s currently has no plans to allow NFC (Apply Pay, Android Pay, etc.) transactions shortly. 

We do, however, accept Samsung Pay at the moment.

Where can I use Apple Pay?

Best Buy, Office Depot, Petco, Bloomingdales, Chevron, Lucky, McDonald’s, GameStop, Jamba Juice, Office take apply pay. Moreover, Staples, KFC, Trader Joe’s, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bell, and 7-11 are just a handful of Apple’s retail partners.