Does Home Depot take Apple Pay? This is one of the most searched questions in 2025 among U.S. shoppers. The short and direct answer is no—as of now, Home Depot does not take Apple Pay at most of its physical retail stores across the United States.
With contactless payment methods becoming more widespread than ever, many customers are surprised that one of the country’s largest home improvement retailers still doesn’t support Apple Pay. This article clears up all the confusion by explaining why Home Depot doesn’t take Apple Pay, what alternatives are available, and whether Apple Pay support might be coming soon.
If you regularly use Apple Pay and want to shop at Home Depot without hassle, this complete guide will help you plan ahead and explore workarounds for a seamless checkout experience.
Does Home Depot Take Apple Pay in 2025?
In 2025, the short answer remains clear: Home Depot does not accept Apple Pay at most of its in-store checkout terminals. Although rumors and partial tests have been reported, the retail giant has not officially adopted Apple Pay as a standard payment method nationwide.
You may find some isolated locations with new point-of-sale (POS) systems that seem compatible with Apple Pay, but these are rare and not guaranteed to work consistently. Therefore, if you’re asking, does Home Depot take Apple Pay, the safe answer is still no, and you should bring an alternative payment method.
Some mobile workarounds exist—particularly for online purchases—but they don’t replace the ease of tapping your iPhone or Apple Watch at checkout, which Home Depot still does not support in most U.S. stores.
What Payment Methods Does Home Depot Accept?
While Home Depot doesn’t take Apple Pay, the company does offer several other traditional and digital payment options that cover most customer needs. Here’s a breakdown of what is and isn’t accepted:
In-store payment methods:
- Visa, Mastercard, American Express, Discover credit and debit cards
- Home Depot Consumer Credit Cards and Project Loan Cards
- Home Depot Gift Cards
- Cash
- Checks (in some locations)
- PayPal QR code (only at select stores with updated terminals)
Online and app-based payments:
- Credit and debit cards (all major issuers)
- Home Depot store credit or gift cards
- PayPal (fully supported for online purchases)
- Klarna (Buy Now, Pay Later service)
Not accepted:
- Apple Pay
- Google Pay
- Samsung Pay
- Cryptocurrency
So, when customers ask, does Home Depot take Apple Pay, the answer is clear from its list of supported methods: no, it doesn’t accept Apple Pay either in-store or through its app directly.
Why Doesn’t Home Depot Accept Apple Pay?
Many shoppers are confused as to why a large and modern retailer like Home Depot wouldn’t offer Apple Pay, especially when competitors do. The decision to not support Apple Pay appears to be a combination of business strategy, legacy partnerships, and technical limitations.
Here are the main reasons why Home Depot doesn’t take Apple Pay:
- Historical Shift: In 2015, Home Depot showed brief interest in Apple Pay, but the rollout was never completed. Shortly after, the company pivoted to favor a strategic payment partnership with PayPal.
- Transaction Fee Concerns: Apple Pay uses a token-based system that charges small fees to banks and retailers. For a high-volume merchant like Home Depot, avoiding these fees is a major cost-saving strategy.
- POS Infrastructure Limitations: Upgrading thousands of checkout systems across 2,000+ stores nationwide is an expensive and complex process. Until the hardware upgrade is complete, Apple Pay cannot be fully implemented.
- Digital Ecosystem Control: By sticking with its own mobile app and promoting PayPal, Home Depot retains control over the customer checkout experience. Supporting Apple Pay might reduce usage of its branded platforms.
In short, when someone wonders, does Home Depot take Apple Pay, the reason it doesn’t lies in a mix of money, legacy contracts, and control over the customer’s path to purchase.
Are There Any Workarounds for Using Apple Pay at Home Depot?
While Home Depot doesn’t take Apple Pay directly, there are workarounds that allow tech-savvy shoppers to still use their iPhones to make payments in some form—especially when shopping online.
Here are a few useful methods:
- Use PayPal via Apple Wallet: You can link PayPal to your Apple Wallet and use it to make purchases online at HomeDepot.com. It’s not quite the same as tapping your phone at the checkout, but it’s a secure and mobile-friendly solution.
- QR Code Payments with PayPal: Some Home Depot locations allow QR code scanning at registers. If your Apple Pay setup includes a PayPal account, you can use the QR code through the PayPal app—even if Apple Pay itself isn’t available.
- Online Only Apple-Pay-Linked Cards: If your Apple Wallet includes a credit or debit card, you can still use that card manually for online Home Depot purchases, even though you can’t use Apple Pay directly.
Although these methods don’t give you the full Apple Pay experience, they help bridge the gap for those who want digital convenience while shopping at Home Depot.
How Does Home Depot Compare to Other Retailers?
When evaluating how modern Home Depot’s payment system is, it’s useful to compare it with other popular national chains. Many of Home Depot’s direct competitors have already embraced Apple Pay or other NFC payment options.
Retailers that accept Apple Pay in 2025:
- Target
- Best Buy
- CVS
- McDonald’s
- Walgreens
- Whole Foods
Retailers that do not accept Apple Pay (as of 2025):
- Home Depot
- Walmart
- Lowe’s
- Hobby Lobby
So, if someone asks, does Home Depot take Apple Pay, the answer places it among the few major retailers still resisting this popular payment method. This may change in the future, but for now, Home Depot lags behind when it comes to contactless payment innovation.
Accessibility Benefits of Apple Pay
Beyond speed and convenience, Apple Pay also offers several accessibility benefits that make it an important tool for inclusive shopping. Unfortunately, these benefits are not available at Home Depot since it doesn’t support Apple Pay.
Here’s why Apple Pay is essential for accessibility:
- It allows hands-free payments for people with physical disabilities
- It supports screen readers like VoiceOver for the visually impaired
- It reduces the need for touching keypads, improving hygiene for elderly and immunocompromised individuals
- It simplifies the payment process for people with cognitive or neurological conditions
When retailers like Home Depot do not accept Apple Pay, it can create barriers for people who rely on digital wallets as a primary tool for independence. Therefore, the question “does Home Depot take Apple Pay” is also a question of inclusive access.
Is Home Depot Planning to Accept Apple Pay in the Future?
While there has been no formal announcement from Home Depot, there are rumors that the company is slowly testing updated checkout systems that could support NFC-based payment options like Apple Pay.
What we know so far:
- Limited testing has been reported at select Home Depot stores in California and Texas
- Updated POS hardware is being deployed gradually as part of a broader modernization effort
- The Home Depot mobile app is being improved to integrate more payment flexibility
These signals suggest that the answer to “does Home Depot take Apple Pay” might become a “yes” in the future. But as of mid-2025, Apple Pay remains unsupported for most customers walking into a Home Depot store.
Should You Count on Apple Pay at Home Depot?
To wrap it up—does Home Depot take Apple Pay? Unfortunately, no. And based on current trends, Apple Pay support is unlikely to become widely available at Home Depot before 2026.
If you shop at Home Depot regularly, it’s best to keep a physical card, Home Depot gift card, or PayPal account ready for both in-store and online purchases. If Apple Pay is your preferred or only method of payment, consider visiting retailers that do support it for a more seamless experience.
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Frequently Asked Questions
Q1. Does Home Depot take Apple Pay in 2025?
No, Home Depot does not accept Apple Pay at most in-store locations as of 2025.
Q2. Can I use Apple Pay at Home Depot self-checkout?
No, Home Depot’s self-checkout machines do not support Apple Pay functionality.
Q3. Is Apple Pay accepted on the Home Depot website?
Not directly, but you can use PayPal—linked to your Apple Wallet—for online purchases.
Q4. Will Home Depot ever accept Apple Pay?
Possibly. Reports suggest that some testing of contactless terminals is underway, but there is no official timeline.
Q5. Why does Home Depot not accept Apple Pay?
Due to business partnerships (especially with PayPal), cost considerations, and outdated checkout hardware.
Q6. Can I use Google Pay or Samsung Pay at Home Depot?
No, Home Depot also does not accept Google Pay or Samsung Pay.
Q7. Does Home Depot support mobile wallets?
Only indirectly through PayPal QR codes or online PayPal usage. Apple Pay is not accepted directly.
Q8. What’s the best alternative to Apple Pay at Home Depot?
The most reliable alternative is using a credit or debit card or checking out via PayPal on their website.
