Does Lowes Take Apple Pay? Here’s All You Need to Know

⚡ As of right now, Lowes does not accept Apple Pay online or through its mobile app. However, they may plan to introduce Apple Pay payments in the near future.

Apple Pay is one of the most popular mobile payment options available, and for a good reason. It’s fast, convenient, and secure. So, does Lowes take Apple Pay?

Lowe’s has been slowly but surely expanding its Apple Pay acceptance, and there’s a chance that it could be fully onboard with the service by 2022.

In the meantime, you can still use Apple Pay at select Lowe’s locations.

Keep reading to find out where Apple Pay is accepted at Lowe’s and what else you need to know about using this payment method at the store.

Does Lowe’s Take Apple Pay?

Unfortunately, Lowe’s does not currently accept Apple Pay as a form of payment in any physical or online stores.

Lowe’s will likely start to accept Apple Pay as a form of payment in the near future.

This is because Apple has been aggressively expanding the reach of its mobile payment service, and Lowe’s is keen to keep up with the competition.

What Payment Methods Does Lowe’s Accept?

Lowe’s is a retailer that offers a variety of home improvement products and services. They accept several methods of payment, including:

  • Debit cards ( Mastercard, Visa, Discover, and American Express )
  • Credit cards, from most major issuers.
  • Cash.
  • Lowe’s Gift Cards.
  • Lowe’s Credit Cards.
  • Personal or business checks provided you can show a valid government-issued ID that matches the information on the check.

These are the payment methods that Lowe’s accepts. However, their payment methods may change by late 2022.

For example, they may accept Apple Pay as a form of payment.

If this happens, we will update this article with the latest information.

Why Doesn’t Lowe’s Accept Apple Pay?

There are a few reasons Lowe’s may not accept Apple Pay in 2022. The major reasons should be:

Transaction Fees:

When a customer uses a credit or debit card to purchase, the merchant pays a fee to the card-issuing bank. This fee, called a transaction fee, is generally a percentage of the total sale amount. For example, if a merchant pays 3% in transaction fees for every purchase, and a customer spends $100, the merchant would pay a $3 fee to the bank.

Apple charges a transaction fee to merchants who accept Apple Pay. This fee is generally lower than merchants’ fees for traditional credit and debit card transactions. However, it is still a cost that businesses must factor into their overall payment processing costs.

They Don’t Have NFC Technology:

Another reason Lowe’s may not accept Apple Pay is because they do not have NFC technology. NFC, or near field communication, is a technology that allows devices like smartphones to communicate with other devices or machines when they are within proximity. This technology is used in Apple Pay to complete transactions.

Lowe’s may not have NFC technology because they have not yet implemented it or do not see a need for it. Given that NFC is becoming more and more common, Lowe’s may decide to adopt the technology in the future.

Focuses Customers On Lowe’s Credit Card:

Lowe’s may not accept Apple Pay because they want to focus their customers on their credit cards. Lowe’s offers its credit card, which comes with benefits like special financing and exclusive discounts. If a customer uses Lowe’s credit card to purchase, the merchant pays a lower transaction fee than if the customer uses a traditional credit or debit card.

Lowe’s may not accept Apple Pay because they want to continue promoting their credit card. This could be a cost-effective way for Lowe’s to keep customers engaged with their brand and increase loyalty.

Lack Of Interest:

Lowe’s may not accept Apple Pay because there is simply no interest from the company. There is no evidence that Lowe’s is planning to adopt Apple Pay in the future, and without a clear indication that they plan to do so, it is fair to say that there is low interest from the brand.

Why Lowe’s Should Accept Apple Pay?

There are several reasons why Lowe’s should start accepting Apple Pay.

Simple Shopping:

Lowe’s should accept Apple Pay because it is a simple, convenient, and secure payment method. With Apple Pay, customers can pay for their purchases by simply scanning their iPhone or Apple Watch at checkout. Plus, Apple Pay is more secure than traditional payment methods, as it uses a unique device identifier and a one-time code to complete transactions.

Increased Sales:

Accepting Apple Pay could also lead to increased sales for Lowe’s. A study by Boston Retail Partners found that merchants who accept Apple Pay see a 50% increase in contactless transactions. This is likely because customers prefer to use Apple Pay over other payment methods due to its simplicity and security.

Improved Customer Loyalty:

Accepting Apple Pay could also improve customer loyalty for Lowe’s. By accepting Apple Pay, Lowe’s would demonstrate its commitment to providing a simple and convenient shopping experience for its customers. This could lead to increased customer satisfaction and loyalty.

Making Payments in a Clean Way:

Another reason Lowe’s to start accepting Apple Pay is that it would allow customers to make payments cleanly. With Apple Pay, there is no need to fumble through your wallet or purse for your credit or debit card. Plus, as mentioned earlier, Apple Pay is more secure than traditional payment methods.

Does Lowe’s Accept PayPal?

Lowe’s does accept PayPal online at, but not for in-store purchases. You can use PayPal to pay for your online orders at checkout. Just enter your PayPal email address and password and confirm the payment.

If you’re looking to purchase in one of Lowe’s stores, you’ll need to use a different payment method. Lowe’s accepts all major credit cards, debit cards, checks, and cash.

Does Lowe’s Accept Samsung Pay?

Yes, Lowe’s accepts Samsung Pay because Samsung Pay uses Magnetic Secure Transmission (MST) technology and NFC, so it can be used at terminals where contactless payments are not accepted. This makes Samsung Pay the most widely accepted mobile payment system globally.

Does Lowe’s Accept Google Pay?

No, Google Pay is not accepted by Lowe’s home improvement for both in-store and online purchases.

This is because Google Pay used NFC technology, which Lowe’s does not currently accept.

Does Lowe’s Accept Any Form Of Contactless Payments?

Lowe’s does not accept any form of NFC contactless payments, such as Apple Pay and Android Pay.

It’s possible that the stores don’t have enough infrastructure. Many retailers need to update their technology to accept NFC payments.

Except for Samsung Pay, Lowe’s does not appear to accept any contactless mobile payment.


Payment service at Lowes is always a major concern for many people. What’s a pity here is that Lowes does not accept payment methods through Apple Pay, which applies to both online and physical payments at any location starting from 2021.

However, there are many other forms of payment accepted by Lowes, such as debit cards, credit cards, cash, and customer gifts. Customers can also use Paypal to make a payment at Lowes also.

Overall, there are several reasons why Lowe’s should start accepting Apple Pay in 2022. It is a simple, convenient, and secure payment method that could increase sales and customer loyalty.

In addition, accepting Apple Pay would allow customers to make payments cleanly. So, if you’re a Lowe’s customer, be sure to let them know that you would like to see Apple Pay added as a payment option!

Thanks for reading! We hope this article has been helpful. Be sure to check back soon for more updates on the latest technology trends.

People Also Ask

Can I pay at Lowes with my phone?

Lowe’s does not accept any contactless payments using NFC. This might be due to a lack of infrastructure at the stores. Some retailers may not yet have the necessary technology in place to accept contactless payments via NFC. Lowe’s does not appear to accept any contactless mobile payment other than Samsung Pay.

What form of payment does Lowes accept?

Lowes accepts various payment methods, including cash, checks, debit cards, and credit cards. They also offer a Lowe’s Consumer Credit Card that can be used to purchase items both in-store and online. For more information on their payment methods, please visit their website.

Does Lowes have NFC pay?

No, Lowe’s does not presently accept any form of NFC contactless payments. Their current payment methods include traditional credit and debit cards and check and money orders.

Does Walmart Apple Pay?

Unfortunately, as of 2022, Walmart will not support Apple Pay in their locations. Using Walmart Pay, customers may use their iPhones to purchase items at the registers and self-checkout aisles. Only MasterCard, Visa, Checks, PayPal, AmEx, and cash are accepted at Walmart.

Thank you for reading Does Lowes Take Apple Pay? Here’s All You Need to Know, please browse our other Digital Wallets articles, including , which may also interest you.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA). He created BillPin to give people the financial tools they need to make more informed financial decisions. After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

Leave a Comment