10 Stores in the US that accept Apple Pay

10 US Stores that accept Apple Pay in 2022 and 10 that don’t

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See 10 stores in the US that accepts Apple Pay payments and 10 others that don’t in 2022.

Apple Pay is a mobile contactless payment method and digital wallet service created by Apple Inc. This service allows users to make payments in person, in iOS apps and using the iOS dedicated browser safari. Apple pay is usable on the iPhone, iPad, Apple Watch, and MacBooks. The Apple Pay service is not available to any device that is not manufactured by Apple or doesn’t run iOS mainly. This means the Apple Pay service can’t be used on Android or Windows devices.

Apply Pay payment method

Apple pay digitizes and replaces a debit or credit card chip and PIN transaction at a contactless payment terminal. The service does not necessarily require Apple Pay-specific contactless payment terminals; it works with any merchant that accepts and supports contactless payments.

The service is safe as it requires a two-factor authorization, either Touch ID, PIN, Passcode, or Face ID. Your iOS devices wirelessly communicate with a contactless point of sale system through Near field communication (NFC), with an embedded, secure encrypted element (SE) to securely store user’s card data and perform cryptographic functions.

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Where can you use Apple Pay?

Apple pay works anywhere and in any store that accepts payment without making contact, basically contactless payments. Partnering stores and shops usually display the Apple pay symbol or the contactless payment sign at the checkout.

Apple Pay is supported by thousands, even hundreds of thousands of stores, restaurants, and e-commerce stores worldwide. According to a study, 75% of stores and restaurants in the United States support apple pay, 85% in the United Kingdom, and 99% in Australia. This is a large-scale recognition of apple pay.

A few stores in the US that accept Apple Pay are; Disney, Unleashed, Macy’s, Bloomingdales, Duane Reade, Whole Foods, Nike, Petco, McDonald’s, Staples, Subway, Walgreens, and a whole lot of other stores. 

The United Kingdom originally had a contactless payment system in place. It allows you to use Apple Pay at all restaurants and stores, enabling customers and clients to use a contactless form of payment.

Since Apple Pay is an iOS-based technology, users can use it on various applications and through the iOS dedicated web browser, Safari, and with non-profit organizations like RSPCA, WWF, and public transport.

How to set up Apple Pay 

Apple Pay wallet

On your iPhone or iPad

You need to first set it up through the iOS Wallet app on your iPhone and iPad. The idea is that the Wallet app stores your credit and debit cards and pulls data when you use this payment method anywhere.

  • Go to the Wallet app Settings.
  • Next, find and tap on Wallet & Apple pay on iPad.
  • Tap on Add debit or credit card, or you can tap on the “+” at the top right side of your screen and then continue.
  • Your device’s camera can be used to capture your card’s information and add required additional information.
  • Next, your bank verifies the information you’ve provided; you may also need to call your bank to give some other information to verify your information. In addition, for further verification, your bank might contact or send a one-time verification code to solidify the process. After verification from your bank, you can now start using Apple Pay to pay for your purchases and enjoy this convenient payment method.

On your Apple Watch

Setting up payment on your apple watch is relatively easy. Just follow these simple short steps:

  • Open the Watch app on your iPhone.
  • Click the My Watch Button and scroll down.
  • Select Wallet and Apple Pay, then add a card.
  • Verify details with your bank.
  • Like the same procedures with your iPhone, your bank might request additional information.
  • Your watch gets verified, and you receive a notification on it.
  • Your watch can now be used to make purchases.

Is there a limit to Apple Pay?

Fortunately, this payment service has no limit, which is an excellent thing, unlike the traditional contactless card payment method that has £100 limit in the United Kingdom and a $135 limit in the United States. This means you can shop and pay for things weekly, all on your iOS devices.

How do you use Apple Pay on iPhone?

using Apple pay in a store

Apple pay requires the Touch ID, Face ID, and Near Field Communication (NFC) on iPhone 6 and above. The more advanced your iOS device is, the launching of the service will be different. To use, every transaction has to be authorized by either your passcode, Face ID, Face ID, or touch ID.

On iPhones with Touch ID, all you need to do is double-tap your Touch ID, the home button, and hold on for scanning until it displays Hold Near Reader. If your thumbprint doesn’t work by any chance, you can use the Pay with Passcode option. Double-tap the Touch ID home button for iPhones with Touch ID and keep your finger on it until your screen says Hold Near Reader

When using iPhones with Face ID, you have to double press the wake button on the right side of your phone to launch the payment service. Then, you can opt to authorize through the Face ID or the Pay with Passcode option if you decide not to use face ID or your face isn’t recognized. Once authorization is through, you get a Hold Near Reader display on your phone. 

As soon as you get the Hold Near Reader display, you have to place your phone near a contactless payment terminal, and you get a ping, vibration, or a subtle chime on your phone that confirms payment. Receipts are recorded in the wallet application on your iPhone. That way, you can see your latest transactions and keep track of your spending. Apple has made using this medium as easy as possible; you don’t need to wake your phone to use it, irrespective of your device model.

How to use Apple Pay on Apps

Applications on iOS devices also work with the service, this means you can select the method option when buying or ordering items from an app. This still requires either your Face ID or Touch ID or your passcode to work.

This payment service is also available for use via Apple’s own browser; Safari. You can use this on your iPhones, iPads, and even MacBooks with a touch bar. To use on a MacBook without a touch bar, all you have to do is confirm the payment through your iPhone. Do the following:

  • On your iPhone, head to Settings.
  • Select Wallet and Apple Pay.
  • Click Allow Payments on Mac at the bottom of your screen.

How to Transfer Apple Cash to Your Bank

If you wish to withdraw your Apple Cash balance into your local bank account, follow the processes below:

  • Open the Wallet App or tap on the Wallet icon in the Control Center. You can access the Wallet app via the Lock screen using an iPhone.
  • Click on your Apple Cash card and select the More icon.
  • Tap Transfer to Bank Input the amount you want to transfer, then click on the Next button
  • Select Instant Transfer or 1–3 Business Days. You are charged a small amount of the total transfer amount with the instant transfer, while the other option is free.
  • Click on Transfer
  • You will receive a notification stating that your transfer request was successful.

If you are yet to link your bank account to the service, enter your routing and account numbers. Reenter them again to confirm.

Is Apple Pay secure?

Yes, without a doubt, this payment service is secure. Apple doesn’t save clients’ and users’ transaction information on their servers. However, the wallet app stores receipts of your recent and latest transactions. Also, the payment systems uses a token system to replace your card details whenever you purchase. This method keeps your card details and information safe. The system also creates device account numbers for your cards.

The device account numbers assigned for your cards are encrypted and securely stored in the secure element. A secure feature is the dedicated chip in your iOS device or watch. Whenever a payment is made, the token is passed to the store, and no one has access to your card details and information. 

What happens if you lose your Apple device?

Misplacing or losing your iPhone or any iOS device can be a problem, but it can be a little challenging with this payment service since you have to authorize service transactions through your passcode, Touch ID, or face ID. If you lose your iPhone, no one can access your details unless they know your passcode.

You can use the Find My feature from another IOS device to find your lost device. This can help you lock your device and prevent other individuals from accessing your phone. You can also use the feature to wipe your lost device completely.

10 stores that accept Apple Pay

US stores

Since the contactless payment method became active, many organizations, stores, and restaurants have incorporated the system. Contactless payment method is easy for anyone to use and is the future for purchases worldwide. Below is a list of top 10 Stores in the US that accept apple pay: 

  • Adidas
  • Walt Disney World Resort
  • Texaco
  • Apple
  • Sports Authority
  • Uber
  • McDonald’s
  • Coca-Cola vending
  • Walgreens
  • Airbnb

…stores that don’t

While some stores don’t out rightly accept Apple Pay, others don’t simply because they have their own competing mobile payment systems:

  • Walmart uses Walmart Pay
  • Kroger uses Kroger Pay
  • Dick’s Sporting Goods
  • Home Depot
  • Kmart
  • Lowe’s
  • Sam’s Club

Which Apps support Apple Pay?

A wide range of applications accepts this payment service as a mode of payment for their services, from entertainment apps, shopping apps, travel apps, and service apps. Below are a few applications that support Apple Pay: Disney+, Bloom& Wild, Uber, ASOS, British Airways, Emirates, StubHub, Starbucks, Booking.com, Apple store, and Adidas.


Apple pay is an innovative method of payment and it is safe, given Apple’s security reputation. If you own an IOS device, you can give it a try, it’s easy to fund, and many stores accept it as a means of payment. 

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