In today’s world of tap-and-go convenience, digital wallets like Apple Pay have become second nature for millions. Whether you’re at a coffee shop, booking a flight, or standing in line at your favorite retail store, it’s all about speed, security, and simplicity. So when it comes to one of the most popular retail giants in America Target you might be asking, “Does Target take Apple Pay?” And if you’re the savvy shopper type, you’re probably also wondering: “Does Walmart take Apple Pay?” and “Can I use Afterpay at Target in-store?”
Well, you’re in luck. This no-fluff, deep-dive article will break down everything you need to know so next time you’re at the checkout, you’re not fumbling for your wallet or second-guessing which payment method works.
Does Target Take Apple Pay?
Yes, Target absolutely accepts Apple Pay! Whether you’re shopping in-store, browsing through the Target app, or using a contactless checkout lane, Apple Pay is a secure and fast option you can count on.
How to Use Apple Pay at Target
Using Apple Pay at Target is a breeze assuming you’ve got your iPhone or Apple Watch ready to go.
Here’s how to do it in-store:
- Hold your iPhone or Apple Watch near the NFC-enabled reader at checkout.
- Authenticate using Face ID, Touch ID, or your passcode.
- Wait for the checkmark and “Done” message to confirm your payment.
The process typically takes just a few seconds. No swiping, no touching keypads, no digging around for your wallet. It’s fast, secure, and frankly it just feels high-tech.
Where Can You Use Apple Pay at Target?
Now here’s the real kicker Apple Pay isn’t just accepted in-store. Target has rolled it out in multiple touchpoints for your convenience:
- At checkout counters in physical stores
- Self-checkout kiosks
- Inside the Target mobile app
However, Apple Pay is not currently supported on Target.com when accessed via a desktop browser. That’s right, if you’re sitting at your laptop browsing home decor, you won’t see the Apple Pay option during checkout.
But here’s the workaround: Use the Target app on your iPhone or iPad. That’s where Apple Pay is fully integrated.
Why Use Apple Pay at Target?
There are plenty of compelling reasons why Apple Pay is a smart choice at Target. It’s not just about convenience though that’s a huge perk.
Let’s break it down:
- Security First: Your actual card numbers are never shared with merchants.
- Fast Checkout: Especially helpful when the line is long, and you’re in a rush.
- Touch-Free Payments: Perfect for hygiene-conscious shoppers.
- Wallet-Free Life: Forgot your purse or wallet? As long as you have your phone, you’re golden.
Does Walmart Take Apple Pay?
Here’s where the plot twist happens.
No, Walmart does not accept Apple Pay.
Even though Walmart is a major retailer like Target, they’ve taken a very different route. Walmart promotes its own digital payment system called Walmart Pay, which works through the Walmart app by linking to a debit or credit card.
Why doesn’t Walmart accept Apple Pay?
- They want to keep customers inside their ecosystem.
- Walmart Pay gives them more data on consumer behavior.
- Apple Pay’s transaction fees are a turnoff for many big-box retailers.
So, if you’re team Apple Pay and trying to shop at Walmart, your best bet is to download the Walmart app and link your card there or use a traditional card or cash.
Pro Tip: Other Stores That Accept Apple Pay
While Walmart is a no-go, many other stores are all in on Apple Pay. Here’s a quick list to keep in your back pocket:
- CVS
- Walgreens
- Best Buy
- Costco
- McDonald’s
- Whole Foods
- Trader Joe’s
- Starbucks
So, while Walmart holds out, the rest of the retail world seems to be embracing the future.
Does Target Take Afterpay In Store?
Yes, and this is where things get even more interesting Target does accept Afterpay in-store.
Afterpay is a “Buy Now, Pay Later” (BNPL) service that lets you split purchases into four interest-free payments. It’s perfect if you want that new Dyson vacuum or designer collaboration gear right now without wiping out your checking account.
How to Use Afterpay at Target In-Store:
Here’s what you need to know:
- Download the Afterpay App on your smartphone.
- Set up a one-time Afterpay Card inside the app (this functions like a virtual credit card).
- Add that Afterpay Card to your Apple Wallet.
- At checkout, use Apple Pay to access the Afterpay Card and complete your purchase.
Yep, you read that right. You’re using Apple Pay to pay with Afterpay. It’s like fintech inception.
What About Target Online and Afterpay?
Target.com also supports Afterpay, but it works slightly differently:
- Afterpay must be selected at checkout.
- You’ll be redirected to log into your Afterpay account and confirm your order.
- Purchases must typically be between $35 and $1,000 to qualify.
It’s also worth noting that certain items (like groceries or perishable goods) may not be eligible for BNPL services.
What Other Payment Methods Does Target Accept?
Target is all about giving you options, whether you’re a tech enthusiast or prefer good ol’ fashioned cash.
Here’s a quick overview of accepted payment types:
- Credit and Debit Cards (Visa, MasterCard, Discover, American Express)
- Target RedCard (for that sweet 5% discount)
- Apple Pay
- Google Pay and Samsung Pay
- PayPal (online only)
- Afterpay
- EBT/SNAP
- Gift Cards (Target or third-party)
So no matter how you like to pay, Target’s probably got you covered.
Conclusion
If you’ve got an iPhone or Apple Watch, there’s really no downside to using Apple Pay at Target. It’s fast, secure, contactless, and widely accepted in-store and in the Target app. While the website still doesn’t support it (yet), Target clearly recognizes that digital payments are the future.
And here’s the beauty of it: Apple Pay isn’t your only option. Between Afterpay, Target RedCard, and even Klarna for online orders, the retailer is doing a stellar job of meeting customers where they are.
Meanwhile, if you’re asking, “Does Walmart take Apple Pay?” remember, it’s still a no-go.
FAQs
Can I use Apple Pay at Target’s self-checkout?
Absolutely. Just hold your iPhone or Apple Watch over the reader after scanning your items. It’s the fastest way to get in and out especially during a weekend rush.
Can I use Apple Pay with my Target RedCard?
Not directly. Target RedCard doesn’t support Apple Wallet yet. But you can still use both separately Apple Pay for quick convenience, and RedCard for discounts.
Is Apple Pay safer than using a debit card?
Yes. With Apple Pay, your real card number is never shared. Instead, it uses a tokenized number to complete transactions, minimizing fraud risk.
Can I earn Target Circle rewards with Apple Pay?
Yes, you can. As long as you scan your Target Circle barcode in the app before paying, your rewards and offers will apply regardless of the payment method.
