The Short Answer: Yes, Lowe’s Accepts Apple Pay

For years, it was a question on many shoppers’ minds. Today, the answer is a resounding yes. Lowe’s, a leading home improvement retailer, now accepts Apple Pay in all of its stores across the United States. This move marks a significant step forward for the company, embracing the convenience and security of contactless payments.

A Welcome Change for Shoppers

The adoption of Apple Pay at Lowe’s has been a welcome change for customers who prefer the ease of mobile payments. This decision reflects a broader trend in the retail industry toward providing a more seamless and modern checkout experience. Now, a simple tap of your iPhone or Apple Watch is all it takes to complete your purchase.

What This Means for Your Shopping Experience

For you, the shopper, this means a faster, more secure, and more convenient way to pay. Whether you’re grabbing a few items or making a large purchase, using Apple Pay can streamline your checkout process. No more fumbling for your wallet or typing in a PIN—just a quick and easy transaction.

How to Use Apple Pay at Lowe’s: A Step-by-Step Guide

Using Apple Pay at Lowe’s is a straightforward process. If you’re new to Apple Pay or just need a refresher, here’s a simple guide to get you started.

Setting Up Apple Pay on Your Device

Before you can use Apple Pay at Lowe’s, you’ll need to add a credit or debit card to the Wallet app on your iPhone. Simply open the Wallet app, tap the plus sign, and follow the on-screen instructions to add your card. Once your card is verified, you’re ready to go.

Checking Out in-Store

When you’re ready to pay at a Lowe’s store, simply hold your iPhone near the contactless reader at the checkout counter. You’ll then need to authenticate the payment using Face ID, Touch ID, or your passcode. The payment will be processed in seconds, and you’ll receive a confirmation on your device.

Using Apple Pay on the Lowe’s App and Website

Lowe’s has accepted Apple Pay on its mobile app and website for some time. When shopping online, simply select Apple Pay as your payment method at checkout. This allows for a quick and secure transaction without the need to manually enter your card details.

The Benefits of Using Apple Pay at Lowe’s

Beyond convenience, using Apple Pay at Lowe’s offers several other advantages that enhance your shopping experience.

Enhanced Security and Privacy

Apple Pay is designed with security in mind. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your full card number is never stored on your device or on Apple servers, and it’s never shared with merchants. This significantly reduces the risk of your card information being compromised.

Speed and Convenience

One of the most significant benefits of Apple Pay is its speed. Transactions are processed in a matter of seconds, which can be a real time-saver, especially during busy shopping periods. The convenience of not needing to carry a physical wallet is another major plus for many shoppers.

A Touch-Free Payment Option

In an era where hygiene is more important than ever, contactless payments offer a safer way to shop. With Apple Pay, you can complete your purchase without touching a keypad or handing over your card, providing a touch-free and more hygienic checkout experience.

Other Payment Methods at Lowe’s

While Apple Pay is a great option, Lowe’s continues to offer a wide range of other payment methods to suit every customer’s preference.

Traditional Payment Options

Lowe’s accepts all major credit and debit cards, including Visa, MasterCard, American Express, and Discover. You can also pay with cash or a personal check in-store. Lowe’s gift cards are another popular payment option.

Other Digital Wallets and Contactless Payments

In addition to Apple Pay, Lowe’s also accepts Google Pay, providing another convenient mobile payment option for Android users. This commitment to multiple digital wallets ensures that a wide range of customers can enjoy the benefits of contactless payments.

Financing and “Buy Now, Pay Later”

For larger purchases, Lowe’s offers several financing options, including the Lowe’s Advantage Card, which provides a 5% discount on purchases. The company has also partnered with “Buy Now, Pay Later” services like Affirm and Afterpay, allowing customers to spread the cost of their purchases over time.

Lowe’s vs. The Competition: The Apple Pay Advantage

The adoption of Apple Pay gives Lowe’s a competitive edge in the home improvement market, particularly when compared to its main rival.

How Lowe’s Stands Out from Home Depot

As of late 2025, Home Depot, the largest home improvement retailer in the U.S., does not accept Apple Pay in its stores. This makes Lowe’s the more convenient option for the millions of customers who prefer to use Apple Pay for their in-store purchases.

The Impact on Customer Loyalty

By listening to customer demand and embracing modern payment technologies, Lowe’s has shown a commitment to improving the customer experience. This can foster greater customer loyalty and attract new shoppers who value the convenience and security of mobile payments.

The Road to Apple Pay: A Brief History

The journey to accepting Apple Pay at Lowe’s was a long one, driven by persistent customer demand.

Customer Demand and the Long Wait

For years, Lowe’s customers expressed their desire for Apple Pay in stores. Numerous online forums and social media threads were filled with requests for this feature. The company’s delay in adopting the technology was a point of frustration for many loyal shoppers.

The Official Rollout in Late 2023

In December 2023, Lowe’s finally answered the call, officially rolling out Apple Pay and other contactless payment options to its retail stores. The move was met with widespread approval from customers and employees alike, who were pleased to see the company modernize its payment systems.

Frequently Asked Questions (FAQ)

Does Lowe’s take Apple Pay?
Yes, Lowe’s accepts Apple Pay in all of its U.S. stores, as well as on its mobile app and website.

How do I use Apple Pay at Lowe’s?
To use Apple Pay in-store, hold your iPhone or Apple Watch near the contactless reader and authenticate the payment with Face ID, Touch ID, or your passcode. Online and in the app, simply select Apple Pay as your payment method at checkout.

What other payment methods does Lowe’s accept?
Lowe’s accepts a variety of payment methods, including credit and debit cards, Google Pay, cash, checks, Lowe’s gift cards, and “Buy Now, Pay Later” services like Affirm and Afterpay.

Conclusion: The Future of Payments at Lowe’s

The adoption of Apple Pay at Lowe’s is more than just a new payment option; it’s a sign of the company’s commitment to evolving with its customers’ needs. By embracing modern, secure, and convenient payment technologies, Lowe’s is not only enhancing the shopping experience but also positioning itself as a forward-thinking leader in the retail industry. As technology continues to shape the way we shop, it’s clear that Lowe’s is ready to meet the future head-on.