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Does Lowe’s Take Apple Pay? 2023 Guide


Lowe’s is a fantastic place to shop for tools and home improvement supplies. But when you get to the checkout line, what can you expect? Has Lowe’s jumped on the trend of accepting digital wallet payments like Apple Pay, or will you need to use another payment method?

A Lowe’s store in Bloomfield, Connecticut. Photo: JJBers / Flickr / CC BY 2.0

Lowe’s does not take Apple Pay or any type of digital wallet payments, including Google Pay, in-store or online. Accepted payment methods include cash, personal checks, debit cards, credit cards, Lowe’s gift cards, and Lowe’s credit cards. Some locations accept Samsung Pay, and you can also pay with your PayPal account when ordering from Lowe’s online.

Read on to learn more about payment options at Lowe’s. We’ll discuss whether you can use your phone to pay and go over each accepted payment method.

Do Lowe’s Stores Take Apple Pay?

As of 2022, Lowe’s does not take Apple Pay in-store or online. Lowe’s stated in 2018 that it had no plans to accept NFC (near-field communication) payment methods, including Apple Pay and Android Pay, in the near future. 

There are still many ways to pay at Lowe’s. Traditional payment methods, such as cash, personal checks, debit cards, and credit cards, are accepted. You can use Visa, Mastercard, Discover, and American Express credit cards.

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You can also pay with Lowe’s gift cards or a Lowe’s credit card. You can pay using your PayPal account if you’re shopping online, but this isn’t an option in-store.

Another payment method is to purchase your desired items through the Lowe’s mobile app and pick them up in-store later.

Can I Use My Phone To Pay At Lowe’s?

If you have Samsung Pay, you may be able to use your phone to pay at Lowe’s. This is because, unlike Apple Pay and other NFC payment methods, Samsung Pay uses the magnetic strip reader located on the signature capture device.

However, several customers have complained that their local Lowe’s stores were not able to process their payments using Samsung Pay. This may have been because employees mistakenly believed Samsung Pay was a form of NFC payment.

We recommend calling your Lowe’s store to ensure it will be able to process your payment.

You can also purchase products from Lowe’s and pick them up in-store using the mobile app. In this way, you’ll be able to pay using your phone.

What Forms Of Payment Does Lowe’s Accept?

Although Lowe’s doesn’t take Apple Pay, it does accept a variety of payment methods. Learn more about each of them below.

Traditional Payment Options

Lowe’s accepts cash, personal checks, and most major debit and credit cards, such as MasterCard, Visa,  American Express, and Discover. 

PayPal Account

You can also use your PayPal account when shopping online, although you can’t pay with PayPal in-store. To pay with PayPal during online checkout, just click “Other Payment Methods” and select PayPal.

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One way to use your PayPal funds in-store is to purchase an E-Gift Card with your PayPal account online, and then use that gift card to pay for your in-store purchase.

Lowe’s Gift Cards

Lowe’s has both E-Gift Cards and physical gift cards available for purchase. Gift cards can be reloaded with additional funds by visiting the customer service desk at your local store. They never expire and aren’t subject to fees.

You can check your gift card balance online, at the customer service desk, or by phone. Gift cards that have had a $0 balance for 90 days will be deactivated. 

You cannot redeem Lowe’s gift cards for cash, and you can’t use your Lowe’s gift card to pay off your Lowe’s credit card balance.

The Lowe’s Credit Card

The Lowe’s Advantage credit card has a 20% off offer (up to $100) when you open and use a new account. You can also get 5% off every day when shopping at Lowe’s and paying with your Lowe’s Advantage credit card, although exclusions apply.

If you own a business, you may also be eligible for the Lowe’s Business Credit and PreLoad Card. This card also comes with the perk of 5% off every day (with exclusions).

There are also three lease-to-own options if you prefer not to use credit. These include a 90-day purchase option, an early purchase option, and a 12-month standard lease agreement.

Does Lowe’s Accept Digital Wallet?

Lowe’s does not accept digital wallet payments and has no plans to do so in the near future.

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There are several reasons why Lowe’s may not be interested in accepting digital wallet payments.

First, they typically come with transaction fees that could impact Lowe’s profits and bottom line. 

In addition, Lowe’s doesn’t currently have NFC technology, which is necessary to process digital wallet payments. Installing NFC technology across all of its locations would be quite expensive.

Another possible reason Lowe’s doesn’t have plans to accept digital wallet payments is that they could decrease sign-ups for the Lowe’s credit card. When customers can access all of their payment methods from their phones, they’re less likely to need an additional credit card.

Since Lowe’s earns money from its credit card users’ monthly payments and interest, it could lose out on revenue by accepting Apple Pay and other digital wallet payments.

Finally, the majority of people who shop at Lowe’s may not be interested in using digital methods to pay. Investing in the technology necessary to process Apple Pay may not be worth it, considering Lowe’s customer base.

Does Lowe’s Have Touchless Pay?

Lowe’s does not have touchless pay as of 2022. The registers and technology used at Lowe’s do not support near-field communication (NFC) payment methods, including Apple Pay and Google Pay. 

Does Lowe’s Accept Google Pay?

Lowe’s does not accept Google Pay online or in-store. As mentioned above, it does not accept any kind of digital wallet payments, including Apple Pay.


You cannot pay using Apple Pay or any other digital wallet payment at Lowe’s, although some locations accept Samsung Pay. 

When in-store, you can pay with your debit or credit card, cash, personal check, or a Lowe’s gift card or credit card. 

If you’re shopping on the Lowe’s website, you have the option to pay with your PayPal account online.