If you shop at Costco and want to pay with Apple Pay, here’s the quick answer: Yes, Costco accepts Apple Pay at warehouse locations and gas stations in the U.S., but only with a Visa card. However, Costco.com does not officially support Apple Pay during online checkout. This guide explains how it works in stores, at gas pumps, online, and what alternatives you can use.
Does Costco Accept Apple Pay
Yes, Costco does take Apple Pay. Shoppers can use iPhone, iPad, or Apple Watch to make contactless payments at Costco warehouses and gas stations. The catch is that in the United States, Costco only accepts Visa credit cards in stores, meaning your Apple Pay wallet must have a Visa card linked.
Outside the U.S., Costco’s Apple Pay acceptance depends on local card network agreements.
How to Use Apple Pay at Costco
Using Apple Pay at Costco is simple:
- Add a Visa card to your Apple Wallet.
- At checkout, unlock your iPhone or double-tap your Apple Watch side button.
- Hold the device near the contactless reader.
- Wait for the beep or vibration that confirms payment.
Does Costco Gas take Apple Pay
Yes, Costco gas stations accept Apple Pay, but the same Visa-only rule applies. Simply hold your iPhone or Apple Watch near the pump’s contactless reader and confirm the payment.
This makes fueling faster since you don’t need to swipe a card or enter a PIN.
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Does Costco have Apple Pay
- Costco.com does not directly support Apple Pay as a payment method.
- The website accepts Visa, Mastercard, and Discover, but Apple Pay is missing as a checkout option.
- Workaround: If you shop through Safari and your Apple Wallet has a Visa card, sometimes it can auto-fill and process the transaction.
Other Payment Methods Accepted at Costco
Here’s a breakdown of Costco’s accepted payment methods in-store, online, and at gas stations:
| Payment Method | Accepted at Costco Stores | Accepted Online | Accepted at Gas Stations |
|---|---|---|---|
| Apple Pay | ✅ Yes (Visa only) | ❌ No | ✅ Yes (Visa only) |
| Google Pay | ✅ Yes (Visa only) | ❌ No | ✅ Yes (Visa only) |
| Samsung Pay | ✅ Yes (Visa only) | ❌ No | ✅ Yes (Visa only) |
| Visa Credit/Debit | ✅ Yes | ✅ Yes | ✅ Yes |
| Mastercard Credit | ❌ No | ✅ Yes | ❌ No |
| Discover | ❌ No | ✅ Yes | ❌ No |
| EBT | ✅ Yes | ❌ No | ❌ No |
| Costco Gift Cards | ✅ Yes | ✅ Yes | ✅ Yes |
Benefits of Using Apple Pay at Costco
- Fast checkout – No need to pull out a wallet or card.
- Extra security – Face ID or Touch ID verification.
- Hands-free option – Apple Watch works even if your phone is in your pocket.
- Contactless – Safer in high-traffic stores and gas stations.
Limitations of Apple Pay at Costco
- U.S. warehouses only accept Visa, so other card networks won’t work through Apple Pay.
- Costco.com does not list Apple Pay as a checkout option.
- International Costco stores may have different policies.
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Troubleshooting Apple Pay at Costco
- Terminal not working? Ask the cashier to reset it.
- Transaction declined? Make sure the default card is Visa.
- Still failing? Restart your iPhone or Apple Watch and try again.
Tips for a Smooth Checkout with Apple Pay at Costco
- Always keep a Visa card in Apple Wallet.
- Use Safari if attempting Costco.com purchases.
- At gas stations, wait until the pump screen prompts you before tapping your device.
- Carry a backup payment method just in case.
So, does Costco take Apple Pay? Yes, but only with Visa cards in the U.S. You can use it at checkout counters and gas stations, making payments faster and more secure. However, Costco.com does not fully support Apple Pay.
Information Source: https://customerservice.costco.com/
FAQ
1. Does Costco take Apple Pay everywhere?
Yes, but only in warehouses and gas stations where Visa is accepted.
2. Can I use Apple Pay with Mastercard at Costco?
No, U.S. Costco stores only accept Visa.
3. Does Costco gas accept Apple Pay on Apple Watch?
Yes, Apple Watch works the same way as iPhone at Costco pumps.
4. Why doesn’t Costco.com accept Apple Pay?
Because its payment system is tied to card networks, and Apple Pay isn’t integrated online.
5. Does Costco Canada accept Apple Pay?
Yes, but acceptance may vary by location and card issuer.