Does Lowe’s Take Apple Pay? A Complete Guide for Shoppers

Running errands at Lowe’s and wondering about their payment options? Does Lowe’s take Apple Pay? Yes, it does! With Apple Pay, you can enjoy a quick, secure checkout using just your phone or watch—no need to fumble with cash or cards. Whether you’re stocking up on tools, paint, or plants, using Apple Pay makes the process faster and easier.

In this guide, we’ll walk you through how to use Apple Pay at Lowe’s and explore the benefits of choosing this convenient payment method.

How to Use Apple Pay at Lowe’s

Using Apple Pay at Lowe’s is simple and makes your shopping experience faster and more secure. Here’s how you can use it seamlessly at checkout:

Step 1: Add Your Card to Apple Wallet

• Open the Wallet app on your iPhone or Apple Watch.
• Tap the “+” icon to add a new card.
• Follow the prompts to scan your card or enter the details manually.
• Once your card is verified, it will be saved in your Wallet for future use.

Step 2: Ensure Apple Pay Is Ready

• Before heading to Lowe’s, ensure your device is charged and connected to the internet (Wi-Fi or cellular).
• Confirm that NFC (Near-Field Communication) is enabled on your device. You can check this in Settings > Wallet & Apple Pay.

Step 3: Head to Checkout

• Load up your cart with everything you need, whether it’s tools, home decor, or gardening supplies.
• Once at checkout, look for the contactless payment symbol or ask the cashier if Apple Pay is accepted at that terminal.

Step 4: Use Apple Pay to Complete the Purchase

• With an iPhone: Double-click the side button, use Face ID/Touch ID, or enter your passcode to unlock Apple Pay.
• With an Apple Watch: Double-click the side button to activate Apple Pay.

Step 5: Hold Your Device Near the Payment Terminal

• Place your iPhone or Apple Watch close to the NFC reader.
• Wait for a checkmark or vibration to confirm the payment was successful. You’ll also see “Done” on your screen.

Step 6: Confirm the Purchase with a Receipt

• The cashier or self-checkout machine will print your receipt. Alternatively, you can ask for an electronic receipt if the option is available.
• Make sure the amount charged matches the total displayed on your phone or watch.

Which Locations Accept Apple Pay?

Lowe’s accepts Apple Pay at most of its physical stores across the United States, providing customers with a convenient and contactless payment option. Whether you’re at a standard checkout counter or using a self-checkout kiosk, Apple Pay can be used for quick and secure transactions. This feature makes it easier to shop without the hassle of handling cash or cards, especially for those picking up tools, home decor, or appliances.

However, it’s important to note that while Apple Pay is widely available in Lowe’s retail locations, it may not yet be supported for online purchases on the Lowe’s website or mobile app. If you plan to shop online, you may need to use other payment options such as credit cards, PayPal, or Lowe’s gift cards. Some customers also use a workaround by purchasing Lowe’s gift cards with Apple Pay from third-party platforms, then redeeming them online.

Most Lowe’s stores follow a consistent payment policy, but minor exceptions may occur in specific regions or newer locations. It’s always a good idea to check with the store in advance if you’re visiting a less frequented location. Look for the contactless payment symbol on payment terminals, as this indicates that Apple Pay is available.

As contactless payments grow in popularity, Lowe’s continues to embrace modern technology to meet customer expectations. While Apple Pay is widely accepted in physical stores, the company may expand its digital payment options in the future, possibly including support for Apple Pay on its website and mobile app. Until then, shoppers can enjoy the ease of Apple Pay at most Lowe’s locations, making in-store visits quicker and more efficient.

What Are the Benefits of Using Apple Pay at Lowe’s?

Apple Pay offers several advantages for shoppers at Lowe’s, making it an excellent payment option for quick and hassle-free transactions. Whether you’re making a small purchase or tackling a large home improvement project, Apple Pay ensures a smoother checkout process. Below are some key benefits of using Apple Pay at Lowe’s.

1. Faster Checkout Experience

With Apple Pay, you don’t need to search for your wallet or sift through multiple cards. A simple tap of your iPhone or Apple Watch allows you to pay instantly. This is particularly helpful when you’re in a hurry or during busy shopping hours, as it minimizes the time spent at the checkout counter or self-service kiosks.

2. Enhanced Security and Privacy

Apple Pay offers industry-leading security by using encryption and tokenization to protect your payment information. Instead of sharing your actual credit or debit card number, Apple Pay generates a unique token for each transaction, reducing the risk of fraud. Additionally, Face ID, Touch ID, or your device passcode ensures only you can authorize payments, giving you peace of mind during every purchase.

3. Convenience of Contactless Payment

The contactless nature of Apple Pay makes it ideal for today’s shopping environment, where minimizing physical contact is a priority. Whether you’re grabbing a few items or completing a large order, you can check out without handling cash, inserting cards, or touching payment terminals. This makes Apple Pay a cleaner, safer option for both customers and cashiers.

4. Compatible with Self-Checkout Kiosks

Lowe’s stores often have self-checkout kiosks for faster transactions, and Apple Pay works seamlessly at these stations. If you have a few items and want to avoid waiting in line, you can scan your items and pay with a quick tap using Apple Pay, further enhancing your shopping experience.

5. Keep All Your Cards and Receipts in One Place

Apple Pay allows you to store multiple cards digitally, so you can switch between them easily without carrying a physical wallet. If you use Lowe’s credit cards, gift cards, or rewards cards, they can all be accessed and managed through your Apple Wallet. Additionally, you can keep digital receipts from purchases, making returns or tracking spending much easier.

6. Rewards and Cashback Opportunities

Using Apple Pay might allow you to take advantage of rewards or cashback programs, depending on the card linked to your Apple Wallet. Some banks and credit card providers offer exclusive cashback promotions for purchases made with Apple Pay, meaning you could earn rewards while shopping at Lowe’s.

7. Less Risk of Lost or Stolen Cards

With everything stored securely in your Apple Wallet, you don’t have to worry about losing physical cards or having them stolen. This is especially beneficial when you’re making big purchases at Lowe’s, as Apple Pay ensures your payment information stays safe and accessible at all times.

What Other Payment Methods Does Lowe’s Accept?

In addition to Apple Pay, Lowe’s provides a variety of payment options to meet the needs of different customers. Whether you prefer using traditional credit cards, digital payment methods, or Lowe’s-specific financing, the store ensures a flexible and seamless checkout experience. Below is a comprehensive look at the payment methods Lowe’s accepts.

• Major Credit/Debit Cards: Visa, Mastercard, American Express, Discover
• Lowe’s Credit Cards: Advantage, Business, and Commercial accounts
• Gift Cards: Physical and digital options
• PayPal: For online purchases
• Cash and Checks: In-store payments
• Financing: Through Synchrony Bank or Affirm
• Mobile Wallets: Apple Pay, Google Pay, and Samsung Pay

Troubleshooting: What to Do if Apple Pay Doesn’t Work at Lowe’s?

While Apple Pay offers a fast and secure way to pay, occasional issues can arise during checkout. If you encounter problems using Apple Pay at Lowe’s, there are several steps you can take to troubleshoot and resolve the issue quickly. Below are the most common problems and solutions to help you successfully complete your purchase.

1. Check Your Device’s Settings

• Ensure NFC Is Enabled: Apple Pay relies on Near-Field Communication (NFC) technology to communicate with payment terminals. Verify that NFC is turned on by going to Settings > Wallet & Apple Pay on your iPhone.
• Restart Your Device: If Apple Pay isn’t responding, restarting your phone or watch can refresh the system and fix any temporary glitches.

2. Make Sure Your Apple Wallet Is Set Up Correctly

• Card Expiration or Update Issues: If your card was recently replaced, it may need to be updated in your Apple Wallet. Remove the old card and add the new one to avoid disruptions.
• Sufficient Funds: Double-check that the card linked to Apple Pay has enough available balance for the transaction.
• Check for Apple Wallet Updates: Occasionally, software updates are required to keep Apple Wallet running smoothly. Make sure you’re using the latest version of iOS or watchOS.

3. Confirm Terminal Compatibility

• Look for the Contactless Payment Symbol: Not all checkout terminals may support NFC payments or might have temporary technical issues. Look for the contactless symbol on the payment terminal to ensure it supports Apple Pay.
• Try a Different Terminal: If you’re at a self-checkout station, move to a staffed checkout counter or a different self-checkout machine to see if Apple Pay works there.

4. Verify Network Connectivity

Apple Pay requires an internet connection (Wi-Fi or cellular) to verify and process transactions. Make sure your phone or watch is connected to a stable network.

If you’re in a spot with poor signal inside the store, try switching to cellular data or moving to an area with better reception.

5. Check for Terminal Issues at Lowe’s

• Ask a Cashier for Assistance: The payment terminal might need to be restarted or recalibrated. A cashier can help you troubleshoot or reset the terminal.
• System Outage: If Lowe’s is experiencing technical difficulties with their payment system, Apple Pay may temporarily be unavailable. In such cases, ask if other mobile wallets are working or use a different payment method.

6. Use an Alternative Payment Method

If troubleshooting doesn’t resolve the issue, use a backup payment method such as:

• A credit or debit card
• A Lowe’s gift card
• Cash or a check

You can also try buying a Lowe’s gift card through Apple Pay via a third-party service and using it at checkout.

7. Re-add Your Card to Apple Pay

If Apple Pay continues to malfunction, removing and re-adding your card to the Wallet app may help. Go to Settings > Wallet & Apple Pay, delete the card, and add it again by following the setup steps.

8. Contact Your Bank or Apple Support

If the issue persists, it may be related to your card provider or account status. Contact your bank to ensure there are no restrictions or flags on your card.

If everything seems fine on your bank’s side, reach out to Apple Support to troubleshoot further. They can help identify if the problem is with your Apple Wallet or device settings.