Lowe’s home improvement retailer is a well-known brand in the United States. It offers a range of payment alternatives to ensure that the purchasing process is expedited and convenient.
Many merchants use NFC devices in their storefronts to streamline and secure the checkout process as they embrace new technology.
NFC technology enables customers to use digital wallets such as Apple Pay, Google Pay, and Samsung Pay.
However, not all retailers are as fast to embrace new technology.
If you’re shopping at Lowe’s, you may be wondering if you can pay using Apple Pay.
You can learn everything you need to know about Lowe’s and Apple Pay.
So, if you are an Apple smartphone owner and want to pay using Apple Pay, then you may question whether Lowe’s accepts Apple Pay. Here’s what I found out!
Does Lowe’s Take Apple Pay?
Lowe’s does not take Apple Pay at any physical locations or online 2022.
Lowe’s does not currently accept Apple Pay.
Lowe’s does not currently have any NFC technology installed to enable Apple Pay to be used.
Additionally, Lowe’s has no plans to deploy this technology to permit the usage of digital wallets such as Apple Pay.
They do, however, allow alternative payment methods in addition to Apple Pay.
While Lowe’s accepts various payment methods, including cash, debit, credit, and gift cards, it does not accept checks. Additionally, customers can utilize PayPal to make purchases on Lowes.com.
Why Doesn’t Lowe’s Take Apple Pay?
It is not known why Lowe’s doesn’t accept Apple Pay in its stores.
Lowe’s is one of the few retailers that haven’t embraced digital wallets, while many other retailers have.
The reason for this is common with other retailers, such as Walmart. It includes a lack of infrastructure to support payment methods such as Apple Pay and encourage customers to use different, fee-free payment methods.
Unfortunately, Lowe’s has no immediate plans to implement Apple Pay.
Lowe’s has not yet integrated Apple Pay into its systems.
The fees associated with Apple Pay could be one reason.
The retailer will pay Apple a merchant fee to accept Apple Pay at Lowe’s.
Transaction fees are based on the total purchase price.
Apple receives a percentage of the sale to offset the retailer’s costs of providing the service.
Merchant fees can consume a significant portion of a merchant’s profits, especially if it accepts many credit cards.
Certain retailers charge their consumers for transaction fees by adding them to their total.
Others, fearful of losing clients due to this strategy, choose to absorb the cost.
Lowe’s probably sets a limit on what merchant fees are acceptable if they keep a close eye on their budget.
Apple Pay may exceed that limit.
They have not implemented Apple Pay in their store because the cost is prohibitively high at present.
Due To Focus On Lowe’s Credit Card
Lowe’s may be concerned that Apple Pay will draw attention away from credit cards because they have not yet implemented Apple Pay.
If a customer uses a digital wallet, they can link several different card and payment methods to their accounts.
This enables them to swiftly switch to another card if one isn’t working when it’s time to pay.
This eliminates the need to obtain a Lowe’s credit card.
Similarly, Apple users must use one of the existing accepted payment methods when shopping at Lowe’s since Apple Pay is not yet accepted.
Some Apple users may have Lowe’s credit cards.
Lowe’s does not intend to lose money by accepting Apple Pay.
Lowe’s suffers a double blow if its clients abandon their credit cards in favor of Apple Pay.
Those additional payments can no longer be collected through credit cards, and Apple must pay the transaction costs.
Lowe’s credit card’s interest and monthly payments can bring in more revenue for the retailer.
Lowe’s loses money if some customers cancel their credit cards and instead utilize Apple Pay.
That is not something they wish to do, even if it facilitates customer checkout.
Lowe’s does not accept Apple Pay since it may force some of its consumers to abandon Lowe’s credit cards in favor of Apple Pay.
Absence of NFC Technology
Lowe’s stores also lack NFC technology.
Lowe’s is not one of the retailers implementing Google Pay or Samsung Pay.
The lack of Apple Pay and other digital wallet support means they can no longer support these services.
These terminals scan a code or signal transmitted by a mobile device in near-field communication, NFC.
It then applies that information to the purchase.
This enables the transaction to be completed without actual cards or money.
Installing NFC terminals, on the other hand, can be costly.
Lowe’s may find this technology prohibitively expensive since it is such a new type of technology.
They’d also need to apply them in all, or almost all, of their stores.
This can quickly become pricey.
Lowe’s may find that the cost of deploying NFC terminals for Apple Pay purchases at this point is prohibitive due to the lack of existing infrastructure to offset it.
Lack Of Interest
Lowe’s has steadfastly refused to integrate Apple Pay into its systems due to a lack of demand.
NFC has not yet achieved widespread adoption.
Additionally, the consumer base that frequents Lowe’s may be uninterested in it.
Some may find digital wallets more complicated and time-consuming than they anticipated.
It is especially important when their usual payment methods work well.
They currently have no motive to convert to digital wallets.
Lowe’s may take action if there is widespread public support for Apple Pay.
However, Lowe’s has not felt pressured to add Apple Pay and other digital wallets to their list of acceptable payment methods because there has been little perceived interest in deploying NFC technology.
Lowe’s will not begin installing NFC terminals in their stores until their customer base begins demanding them.
Can I Use Apple Pay Online At Lowes.Com?
Lowe’s website does not support Apple Pay, and the mobile app does not support Apple Pay, so you can’t use Apple Pay to make purchases on Lowes.com.
Lowe’s website lets you make online purchases using debit and credit cards, gift cards, Lowe’s credit cards, and PayPal.
What Payment Methods Does Lowe’s Accept?
The Lowe’s store does not currently accept Apple Pay, but they accept several alternative payment methods.
You can still pay in cash or with a personal check like in all other stores.
They also accept a variety of credit cards, including the following:
You can also use a Lowe’s gift card to pay for purchases.
You’ll need to bring a second form of payment to cover the difference if the total exceeds the gift card value.
PayPal is also accepted at Lowe’s, but only for online transactions.
You cannot use it in the store since it is incompatible with that technology.
Finally, Lowe’s has a credit card of its own.
You can use it to purchase any merchandise in the shop or on the company’s online store.
Can I Pay With My Phone At Lowe’s?
Lowe’s doesn’t allow NFC payments at any of its stores, so you cannot pay with your phone.
There are currently no plans for Lowe’s to accept near-field communication (NFC) payments in the future.
Moreover, you cannot purchase in-store with any NFC-enabled payment option, including Apple Pay and Google Pay.
Can You Use Apple Pay At Lowe’s Online Store?
You may wonder if Lowe’s accepts Apple Pay when shopping online, despite not accepting Apple Pay in-store.
However, Lowe’s does not accept Apple Pay through its online site. The reasons behind this are likely identical to why Lowe’s does not take it in-store.
It costs them money and deters them from purchasing Lowe’s credit card.
What Payment Does Lowe’s Accept?
The Lowe’s retail stores and online accept a variety of payment methods, including:
- Credit cards, from most major suppliers
- Lowe’s Gift Cards
- PayPal, but only online
- Debit cards, including Mastercard, Visa, American Express, and Discover
- Lowe’s Credit Card
Can I Use PayPal At Lowe’s?
Lowe’s website accepts PayPal Checkout, even though PayPal is not accepted in its physical locations.
Lowe’s does not accept Apple Pay, but its online store accepts PayPal. PayPal is not accepted in their brick-and-mortar locations.
You can use PayPal on their online store by finding the “Other Payment Methods” section on the checkout page.
Lowe’s online lets you use PayPal during the checkout process. Simply choose “Other Payment Methods” during the checkout process to see the PayPal Checkout option.
Once there, you’ll find a PayPal payment option.
A prompt will appear asking you to connect your PayPal account to the store when you click that.
PayPal will send the funds, and the transaction will be completed. Apple Pay is similar to PayPal in that you can pay for items using it.
Additionally, PayPal acts as a digital wallet, allowing you to use different cards and banks.
However, it is important to remember that Lowe’s does not accept PayPal Cash Cards or PayPal QR codes in-store or online.
You select the default method from among the many payment types associated with your account when you make payment.
Given that Lowe’s supports PayPal but not Apple Pay on their online store, it’s unclear whether Lowe’s intends to adopt additional digital wallets in the future.
Can I Pay With Samsung Pay At Lowe’s?
Some customers may be curious whether Lowe’s would take Samsung Pay in addition to Apple Pay and Google Pay.
Many reports contradict each other.
There are conflicting reports on the acceptance of Samsung Pay at Lowe’s.
Lowe’s seems to have accepted Samsung Pay at some point throughout the last few years, but it is unknown whether they do so now.
Samsung Pay is reported to be usable in stores by customers. However, others are unable to use the service.
Apple Pay and Google Pay use near-field communication (NFC) for contactless payments, but Samsung Pay accepts NFC and secure magnetic transmission (MST).
Samsung does not exclusively use NFC technology; therefore, the disparate results are most likely due.
Additionally, it features a magnetic stripe transmission technology that permits fund transfers.
Samsung Pay does not require a phaysical technological change but merely a software update.
It may have been possible to pay for Lowe’s products through this method in some locations.
Those who did not know about Samsung Pay may have ignored the payment option and believed it was only available on NFC-capable devices.
Some consumers claim to have troubles with Samsung Pay at Lowe’s, while others report seeing no option for Samsung Pay at all.
If you plan to pay using Samsung Pay, it’s a good idea to include a backup method of payment in case something goes wrong.
There may not be a magnetic strip transmission system available at every Lowe’s.
Can I Pay With Google Pay At Lowe’s?
Google Pay, like Apple Pay, is not accepted at Lowe’s due to its NFC payment system, which Lowe’s does not support.
Does Lowe’s Accept Any Contactless Payments?
Lowe’s does not take any sort of near-field communication (NFC) contactless payment. This could be a result of the stores’ lack of infrastructure.
NFC requires some form of a technology upgrade that not all businesses have yet acquired. Lowe’s appears to be the only retailer that accepts contactless mobile payments, except for Samsung Pay.
Conclusion on Does Lowe’s Take Apple Pay
Lowe’s does not accept Apple Pay because it does not have NFC technology in its stores.
Apple Pay is also not accepted in their online store.
Lowe’s does not currently install NFC terminals so digital wallets may be used for payment.
However, the company does issue its credit cards to facilitate project funding.