In Lowe’s stores, you can pay with a variety of methods. Besides credit cards, debit cards, and gift cards they also offer PayPal Checkout. Although Lowe’s is one of the biggest home improvement retailers, they still don’t accept Apple Pay. There has been no announcement by the store regarding the implementation of the technology. 

With such prominent businesses, it’s odd that Lowe’s doesn’t accept Apple Pay, but they’ve got different reasons. Despite Lowe’s not accepting Apple Pay, you can use it with Instacart, a third-party app. Using Instacart, you hire a personal shopper to do your shopping and then they deliver it to your house. In this article, we’ll explore how Lowe’s payment methods work. But first, let’s start with the process of using Apple Pay at Lowe’s via Instacart.

How to Use Apple Pay at Lowe’s via Instacart

You can order everything from home improvement items to household supplies to health and beauty products with the Instacart app. Home and garden items have been added to Lowe’s assortment, as well as seasonal products. If you are an Apple Pay user then it is usual to try to pay at Lowe’s using it. Instacart is an excellent tool for accomplishing this. Lowe’s now lets you pay with Apple Pay for purchases made through the app. 

To use Instacart, you will need to open its app or visit its website. When you have created an account, search among the supported stores to find Lowe’s in your area. It is as simple as selecting the store and which items from there, if you can locate it. At the checkout, you can choose your delivery time and date, and most importantly, use Apple Pay to make your payment. 

In addition, Apple Cardholders will receive 2% in Daily Cash on each purchase they make. Instacart may be available in your area, but Lowe’s may not be, or at least not right now.

What Forms of Payment Methods Does Lowe’s Accept

There is no option for Lowe’s to accept payments over the phone. Due to this, Samsung Pay, Google Pay, and Venmo are not accepted by the store. When making a purchase, you will only be able to use standard payment methods. Lowe’s still accepts more traditional payment methods in-store, online, and on their app, even if they don’t take Apple Pay. If you wish to make a payment at Lowe’s, you may use the following methods:

  • Debit cards
  • Discover Card for Lowe’s Preload
  • Mastercard
  • Gift cards from Lowe’s
  • Worldwide acceptance of Visa cards
  • Play cards to discover new things
  • American Express cards
  • Scan*Pay*Go
  • PayPal for online purchases
  • Rebates from Lowe’s
  • Checks
  • Money Orders
  • Lowe’s Advantage credit card
  • Lowe’s Business Account card

You will benefit from a Lowe’s credit card if Lowe’s is your primary shopping destination. So, you can use it to purchase anything at Lowe’s, whether you are purchasing online or in person. You can use your device to improve your Lowe’s shopping experience even without digital money.

Why Doesn’t Lowe’s Accept Apple Pay

There is a growing number of payment options available to Lowe’s and other home improvement stores. It may be difficult for you to understand why the organization has been so slow to embrace digitalization. In Lowe’s case, Apple Pay has not yet been implemented due to a number of reasons.

Lowe’s hasn’t prioritized Apple Pay because there are other options

There is also the possibility that Lowe’s customer base is uninterested in this product. In addition, digital wallets may be too complex and time-consuming for them to benefit from.

Lowe’s doesn’t yet have NFC technology for Apple Pay

Using near-field communication terminals, you can read cell phone signals. It is therefore possible to send payments without using cash or credit cards. The cost of using NFC technology, however, is high. As a result, Lowe’s does not accept Apple Pay, Samsung Pay, or Google Pay.

Transaction fees would negatively affect profit margins

There are no extra fees associated with Apple Pay Cash, as there are with other payment methods. If you pay with a debit card, credit card, or PayPal, the store must add an additional charge to your tab. It is possible to view Apple Pay Cash as a loss for the company since these fees are not associated with the service.

The Lowe’s credit card is already famous

Using Apple Pay could decrease the number of people who use Lowe’s credit cards. There are a number of payment types and cards that can be connected to customers’ digital accounts. Using this method would eliminate the need to apply for a Lowe’s credit card, which is not beneficial to the company.

Demand is insufficient

There is a lack of demand for Apple Pay at Lowe’s and other retailers that have prevented them from accepting it. Most people are not familiar with NFC technology as it has not yet become mainstream. Compared to digital wallets, traditional payment methods such as cash, checks, and credit cards are much more commonly used.

In spite of this, the adoption of electronic wallets such as Apple Pay continues to grow rapidly. In the next five years, it is estimated that more than half of the population will utilize them. It is expected that more and more retailers, such as Lowe’s, will upgrade their technology to NFC and begin accepting it.

Is Lowe’s Planning to Accept Apple Pay in the Coming Years

There has been no announcement from Lowe’s suggesting that Apple Pay will be introduced in the near future. At the moment, both customers and users are speculating about the future. If Lowe’s plans to implement Apple Pay in the near future, we will have to wait until the company makes a public announcement. Nevertheless, we may see NFC payments becoming the new standard in the United States as the adoption of NFC payments increases. 

Apple Pay is currently the most popular method of contactless payment, and its popularity continues to grow. As the demand for its products increases, Lowe’s may eventually need to expand. Meanwhile, Lowe’s offers a variety of more traditional payment methods, including cash and a variety of debit and credit cards, store cards, and checks.

Why Should Lowe’s Accept Apple Pay Directly

Despite the fact that Apple Pay at Lowe’s Food is still a long way away, this system offers a number of benefits.

  • Customer experience matters: An easy payment method like this may encourage customers to purchase in-store or online at another store or supermarket that accepts this method.
  • Security issue: Apple Pay Cash relies on an iCloud connection to verify that money belongs to the person paying, which reduces fraud. As well, it decreases the risk of theft or robbery of payment plastic due to the fact that the consumer does not have to carry any cards or cash.
  • Reduce possible COVID-19 contagiousness: In this manner, there is no physical contact between the customer and the product, therefore there is no risk of contamination. Since Apple Pay is a quick and easy payment method, there is no need for customer contact. In addition, it saves time since transactions are not pending for cash or cards.

Frequently Asked Questions

Is it possible to pay with a contactless card at Lowe’s?

Currently, Lowe’s does not accept contactless payments using NFC technology. There may be a problem with the store infrastructure. Some establishments have yet to implement NFC because it requires a technological upgrade. Currently, Lowe’s only accepts Samsung Pay as a contactless payment method.

How Can I Pay at Lowe’s Without a Card?

The Lowe’s store accepts a wide variety of payment methods, including cash, personal checks, money orders, and store credit cards. The store does not accept contactless payments like Apple Pay, but Samsung Pay uses a magnetic strip reader to capture signatures, rather than NFC.

Can I use Apple Pay for online purchases at Lowe’s?

It is currently not possible to purchase items online at Lowe’s using Apple Pay. If you wish to make an online purchase on their website, you can use other digital payment options like PayPal, Visa Checkout, or Master pass. 

Is Contactless Payment Accepted at Lowe’s?

Because of a lack of infrastructure in its stores, Lowe’s does not accept or support NFC contactless payments. Some stores are unable to maintain the NFC technology system due to several requirements. Samsung Pay is the only contactless smartphone payment system available at Lowe’s.

Where can I use Apple Pay? 

A number of retailers, including Best Buy, Office Depot, Petco, Bloomingdale’s, Chevron, Lucky, McDonald’s, GameStop, Jamba Juice, and Office, accept Apple Pay as a method of payment. Additionally, Apple has retail partnerships with Staples, KFC, Trader Joe’s, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bell, and 7-11.