Shopping at Lowe’s is easier when you know what payment methods work at checkout. To answer quickly: Lowe’s does not officially accept Apple Pay in its physical stores as of 2025. However, there are still ways to use Apple Pay indirectly for your purchases, especially online or through linked accounts. Lowe’s continues to offer several alternatives, including credit cards, PayPal, and gift cards.
Does Lowes accept Apple Pay
No, Lowe’s does not directly accept Apple Pay in-store. Shoppers cannot tap their iPhones or Apple Watches at Lowe’s registers like they might at grocery stores or retailers such as Walgreens or Ace Hardware.
That said, customers who use the Apple Card (issued by Goldman Sachs and supported by Mastercard) can pay at Lowe’s just like any regular credit card. In this way, you’re still using Apple’s payment system indirectly.
Why doesn’t Lowe’s take Apple Pay?
Many shoppers wonder why a major retailer like Lowe’s has not embraced Apple Pay yet. Here are the main reasons:
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Transaction Fees – Apple Pay comes with processing fees that cut into profit margins, especially for high-value hardware and appliance sales.
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Store Credit Promotion – Lowe’s strongly promotes its Lowe’s Advantage Credit Card, which offers discounts and financing. Accepting Apple Pay could shift spending away from its in-house products.
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System Integration – Updating all checkout systems to accept Apple Pay requires investment. Lowe’s may be prioritizing other technology upgrades. Kohl’s Apple Pay
What Payment Methods Does Lowe’s Accept?
Here’s a detailed breakdown of accepted payment methods both in-store and online:
| Payment Method | Accepted In-Store | Accepted Online |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Lowe’s Credit Card | ✅ | ✅ |
| Gift Cards | ✅ | ✅ |
| PayPal | ❌ | ✅ |
| Apple Pay | ❌ | Limited (via Apple Card/PayPal) |
| Google Pay | ❌ | ❌ |
| Samsung Pay | ❌ | ❌ |
How to Use Apple Pay at Lowe’s Indirectly
Even though Lowe’s does not officially take Apple Pay at the checkout counter, here are 3 ways you can still use it for your purchases:
Use the Apple Card
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Apple’s credit card works on the Mastercard network.
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At Lowe’s, you simply swipe or insert the card like any other credit card.
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You still get Daily Cash rewards.
Use Apple Pay with PayPal (for Online Orders)
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Apple Pay can be linked with your PayPal account.
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Lowe’s accepts PayPal online, so this creates a working loop.
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Great for e-commerce orders and delivery.
Buy Lowe’s Gift Cards with Apple Pay
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Many third-party retailers (like Target, Walmart, or online platforms) sell Lowe’s gift cards.
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You can purchase these gift cards with Apple Pay.
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Redeem them at Lowe’s in-store or online.
Alternatives to Apple Pay at Lowe’s
If you prefer easy and flexible options, Lowe’s offers several alternatives:
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Lowe’s Advantage Credit Card – 5% discount on eligible purchases.
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Lowe’s Business Cards – Special financing for contractors.
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PayPal – For online transactions.
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Lowe’s Gift Cards – Useful for gifting and budget control.
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Visa, Mastercard, Discover, American Express – Standard payments in-store and online.
Future of Apple Pay at Lowe’s
The demand for contactless payments continues to grow in 2025. With Apple Pay gaining more popularity among shoppers for its security and speed, Lowe’s may eventually adopt it.
Signs that Lowe’s could add Apple Pay in the future include:
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Increased consumer demand for contactless options.
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Competitors modernizing their checkout systems.
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Rising use of mobile wallets in everyday retail.
Still, until Lowe’s officially confirms, customers must rely on alternatives.
So, does Lowe’s take Apple Pay in 2025? The answer is no for in-store purchases, but customers can still use Apple Pay indirectly via the Apple Card, PayPal, or by buying gift cards. While Lowe’s has yet to join retailers like Ace Hardware in supporting Apple Pay directly, plenty of alternative payment methods are available.
FAQ
Does Lowe’s accept Apple Pay in-store?
No, Lowe’s does not accept Apple Pay directly in stores.
Can I use Apple Pay on Lowe’s online store?
Yes, but only indirectly through PayPal or the Apple Card.
Does Lowe’s accept contactless payments?
Not officially. Traditional cards and chip readers are the primary checkout method.
Which hardware stores accept Apple Pay?
Ace Hardware widely accepts Apple Pay, while Home Depot may allow it at select locations.
Can I buy a Lowe’s gift card with Apple Pay?
Yes, from third-party retailers that support Apple Pay, then redeem at Lowe’s.