Does Home Depot Take Apple Pay?

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If you’re looking to make a purchase at Home Depot, you may be wondering, does Home Depot take Apple Pay?

As of right now, Home Depot does not accept Apple Pay as a form of payment at Home Depot retail locations or on the Home Depot website. However, they have partnered with PayPal, one of Apple’s competitors. This means that you can use your PayPal account to pay for your purchases at Home Depot.

Image of the Home depot and an image insert of a hand holding a cellphone

Hopefully, in the future, Home Depot will start accepting Apple Pay as a form of payment. In the meantime, PayPal is a great alternative!

Read on to learn more about Home Depot’s payment policies so you can be prepared the next time you shop there.

Why Doesn’t Home Depot Accept Apple Pay?

There could be a few reasons why Home Depot doesn’t accept Apple Pay. 

First, PayPal is already a well-established partner of Home Depot. They may not want to complicate things by adding another payment option.

This is especially true because PayPal is one of Apple Pay’s major competitors.

Second, Apple Pay uses NFC (near-field communication) technology to make payments.

This technology is not widely available yet, so it’s possible that Home Depot isn’t set up to accept Apple Pay.

Lastly, Apple Pay requires retailers to pay a fee for each transaction. This fee is typically passed on to the customer in the form of a higher price.

For a large retailer like Home Depot, this could add up to a significant amount of money.

Will Home Depot Ever Take Apple Pay?

It’s hard to say for sure whether or not Home Depot will eventually start accepting Apple Pay.

As NFC technology becomes more widespread, it will become easier for retailers to accept Apple Pay.

Additionally, as Apple Pay becomes more popular, retailers may be more inclined to accept it in order to keep up with the competition.

Only time will tell whether or not Home Depot will start taking Apple Pay. In the meantime, you can use PayPal to pay for your purchases at Home Depot.

What Forms of Payment Does Home Depot Accept?

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If you don’t have PayPal, don’t worry – there are still plenty of ways to pay for your purchases at Home Depot stores.

In addition to cash and check, Home Depot also accepts debit and credit cards from Visa, Mastercard, American Express, and Discover.

You can also use a Home Depot gift card, which can be purchased online or in stores.

Home Depot has its own credit card that can be used for purchases as well. This card offers customers a variety of benefits, including special financing options and discounts.

Here are some benefits of the Home Depot Consumer Credit Card:

  • It has a $0 annual fee, which means the card is free for life
  • There are 6 months of no interest on purchases of $299 or above
  • This card offers $25, $50, and $100 discounts depending on the amount of spend on the card
  • Your return window for Home Depot products will be 1 year instead of most consumers’ return length of 90 days
  • You can get a credit line of up to $55,000 for major renovation projects

Home Depot also offers the Home Depot Project Loan Card as well as The Home Depot Commercial Account Card.

These two cards are suitable for larger projects or small businesses that need more funding, discounts, and exclusive Home Depot benefits.

Other Major Retailers That Accept Apple Pay

  • Family Dollar
  • Best Buy
  • Rite Aid
  • 7-11
  • Walgreens
  • CVS
  • Whole Foods
  • Safeway
  • PetSmart
  • Best Buy
  • Costco
  • Meijer
  • Target
  • Ace Hardware

Can I Pay With My Phone at Home Depot?

Since Home Depot is in partnership with PayPal, they now have a mobile payment system in the works.

PayPal is rolling out this program with HomeDepot as a pilot program and will work with 20 other companies in the upcoming months.

This program works by letting buyers purchase items with their phone wallets.

Shoppers will have a choice between entering their phone number, scanning their phone, or using a PayPal branded credit card.

Has Home Depot Ever Accepted Apple Pay?

Back in 2015, Home Depot stated that they would be accepting Apple Pay. However, there was never a specific timeline for this project.

A short time after this announcement, Home Depot completely separated from Apply Pay in its online commerce store as well as all physical retail locations.

What is Home Depot’s Return Policy?

Home Depot has a very generous return policy. Most items can be returned within 180 days, as long as you have your original receipt or packing slip.

Some items have a shorter return window, such as major appliances (90 days), and digital media products (14 days).

There are a few items that cannot be returned at all, such as opened paint and gift cards.

To return an item, simply bring it to a Home Depot store or ship it back (for online purchases). You will need to present your original receipt or packing slip in order to receive a refund.

Where Does Home Depot Ship To?

Home Depot ships to all 50 states in the US, as well as Puerto Rico and APO/FPO addresses.

Shipping is free on orders over $45, or you can choose from a variety of shipping options for an additional fee. You can also opt to pick up your order at a local store for free.

Can You Use PayPal’s “Pay in 4” Feature at Home Depot?

The “Pay in 4” program from PayPal is not accepted at Home Depot. This program allows customers to pay for their purchases over time in four equal installments.

This program is interest-free and doesn’t have fees associated with it.

Does Home Depot Offer Payment Plans?

Image showing a hand holding a cellphone and another hand holding a credit card in front of a laptop

Indeed. Buying items from Home Depot is easy and quick using a credit card.

If you purchase more than $200 with the Home Depot credit card, you will be able to get financing for 6 months free of charge.

Additionally, you can also use an online payment method such as Klarna or Zip.

Pickup can be arranged online for curbside pickup in most Home Depot stores.

PayPal’s mobile app provides this option to enable automatic checkouts or automatic payments by providing your phone numbers and pins on the swipe button or by using the app.

Benefits of Apple Pay

If you’re new to using Apple Pay, you may be wondering why someone would choose this technology over traditional payment methods like credit and debit cards.

Some of the benefits to using Apple Pay include:

Apple Pay Is More Secure 

Apple Pay is more secure than using a credit or debit card as your information is not stored on your device or sent with your payment.

Instead, a unique Device Account Number is used to process your transaction.

It’s Easy To Use

Image showing a hand wearing a smart watch over a scanner

Apple Pay is quick and easy to use, as you can simply hold your iPhone up to the contactless reader with your finger on Touch ID.

While it can feel a bit confusing when you first use this technology, it quickly becomes second nature.

It’s Helpful If You Don’t Have Cash or a Card

Did you forget your debit cards at home and need to pay for something? Use your Apple Pay to complete a purchase even though you don’t have a physical card or cash.

This can be really helpful when you’re in a pinch.

It’s Accepted At Many Major Retailers

Does Home Depot take Apple Pay? Unfortunately not, but there are hundreds of other places that support Apple Pay.

Since Apple is a major well-known company, they have negotiated with many other businesses to accept Apple Pay.

You can use it in a number of places, including grocery stores, retail stores, online shopping, and even some public transportation systems.

Disadvantages of Apple Pay

It Requires an iPhone or Apple Watch

To use Apple Pay, you need to have an iPhone, Apple Watch, or another one of the Apple Devices.

This can be limiting for people who don’t have either of these devices, which is becoming an increasing majority of people switching over to more affordable and flexible Android phones.

Some Stores Don’t Accept It

While there are many places that accept Apple Pay, there are still some holdouts that don’t allow it.

For example, does Home Depot take Apple Pay? No, even after previously stating that they would take Apple Pay.

Who knows why these companies choose to pass on the Apple Pay technology? Perhaps they prefer Google Pay, Samsung Pay, or other contactless payment services.

Or maybe Apple doesn’t offer enough of an incentive for them to switch over.

Regardless, it can be frustrating when your Apple Pay wallet isn’t accepted at the places you shop. You may want to find other digital wallets that are more useful for you.

It’s Easy to Lose Track of Spending When You Use Apple Pay 

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When you use a physical credit or debit card, it’s easy to see how much money you’re spending. You can either look at the balance on your card or keep track of all your receipts.

With Apple Pay, it’s not quite as simple.

If you have an iPhone, you can check your recent transactions in the Wallet app. This can be helpful if you want to keep track of your spending.

However, it’s still easy to lose track of how much you’re spending as you don’t have a physical card or cash in hand.

It Can Be Hacked

While Apple Pay is more secure than using a physical credit or debit card, it’s important to remember that no system is completely hacker-proof.

There have been instances of people’s Apple Pay information being compromised.

If you’re worried about this, you can always use a credit or debit card with a low limit for your everyday purchases. This way, if your information is hacked, the damage will be limited.

Alternative Digital Wallets to Apple Pay

If you’re looking for an alternative to Apple Pay, there are a number of other digital wallets available. Some of these mobile payment methods include:

Samsung Pay

Samsung’s mobile payment systems were released in 2015 and work with most Android devices. It’s accepted at a wide range of stores, both online and offline.

You can use this wallet almost anywhere you can use a credit or debit card.

Google Pay

Google Pay is the digital wallet for Android users. It’s widely accepted and can be used for both online and contactless payments for in-person purchases.

You can use Google Pay to make tap-and-pay purchases at millions of stores worldwide.


Image showing a hand holding a smart phone with an apple app over a notebook beside a keyboard

PayPal is one of the newer digital wallets. You can use it with a number of online retailers as well as some offline stores.

In order to use it, you’ll need to connect your PayPal account to a debit or credit card.

Does Home Depot take Apple Pay? As we’ve mentioned, this service isn’t available.

However, at this moment, PayPal is the only digital wallet that’s accepted. This is likely due to the fact that Apple Pay and PayPal are competitors.


Another popular digital wallet is Venmo. It’s similar to PayPal in that you need to connect it to a debit or credit card.

However, one of the benefits of using Venmo is that you can use it to pay friends and family members.

This payment method can be helpful if you need to split a bill or pay someone back for something. Venmo also has a social media component where you can see what others are paying for.

If you’re looking for a digital wallet that’s more than just a way to make purchases, Venmo could be a good option for you.

Final Thoughts: Does Home Depot Take Apple Pay?

So, does Home Depot take Apple Pay? Unfortunately, this company only accepts PayPal at the moment, when it comes to contactless payment services.

Do your research and choose the digital wallet that’s right for you. With so many options available, there’s bound to be one that meets your needs.

Don’t forget to check out the Home Depot consumer credit card. They have personal and business credit cards that may include more benefits when it comes to your Home Depot purchases.

What payment method do you like best when you’re shopping at Home Depot? Let us know in the comments below. Thanks for reading!`


Image showing the Home Depot front building and graphic insert showing a smart phone and scanner with text overlay that reads Does Home Depot Takes Apple Pay

About Emma Healey

Emma is a recognised family finance and budgeting expert and founder of Mum's Money. Her advice has been featured in Readers Digest, Yahoo Finance, Lifehacker, The Simple Dollar, MSN Money and more.