Does Home Depot Accept Apple Pay? Unlock Convenience in 2024

Does Home Depot Accept Apple Pay?

Apple Pay is one of the most popular contactless payment methods, allowing you to use your iPhone or Apple Watch to quickly and securely pay in stores, in apps, and on the web.

However, Home Depot is one major retailer that does not currently accept Apple Pay in its stores.

In this article, we’ll look at:

  • Why Home Depot doesn’t take Apple Pay?
  • What payment methods are accepted at Home Depot/
  • Alternatives like PayPal and Home Depot gift cards
  • The growth of contactless payments like Apple Pay

Does Home Depot Take Apple Pay?

No, Home Depot does not accept Apple Pay in its stores at this time.

While Apple Pay is accepted at many major chains like Walmart, Target, CVS and Best Buy, Home Depot is a notable exception.

You cannot use Apple Pay on your iPhone, Apple Watch, or other device to pay in Home Depot retail locations.

Home Depot does not accept it for in-person transactions or self-checkout.

Why Doesn’t Home Depot Accept Apple Pay?

Home Depot has not provided an official reason for why they do not take Apple Pay. A few possible reasons include:

  • Exclusive promotion of their own credit cards – Home Depot pushes customers to sign up for branded credit cards like the Home Depot Consumer Card. Accepting Apple Pay may discourage people from using their co-branded cards.
  • Slow adoption of new technology – As a large retailer, Home Depot may be slow to adopt new payment tech until it becomes more mainstream. Avoiding the risk and costs of new systems could be a factor.
  • Focus on other payment priorities – Home Depot may be prioritizing other payment initiatives like enhancing their mobile app features rather than contactless payments.

The Rise and Benefits of Apple Pay

Apple Pay was introduced in 2014 and has rapidly grown in adoption and popularity. Benefits include:

  • Convenience – With just a glance or touch, Apple Pay is faster and more convenient than swiping a card.
  • Security – Apple Pay transactions use device-specific encrypted security codes, making it more secure than physical cards.
  • Rewards integration – Apple Pay integrates with reward programs and credit card points.
  • Wide acceptance – Apple Pay is accepted at over 90% of US retailers, with continued growth expected.

Alternatives Payment Methods to Apple Pay at Home Depot

For iPhone users who want a contactless payment option at Home Depot, some alternatives include:

  • PayPal – You can check in to pay at Home Depot with the PayPal app.
  • Google Pay – Android phones can use Google Pay which is accepted at Home Depot.
  • Home Depot Gift Cards – Purchase eGift cards ahead of time to use contactless.
  • Credit and debit cards – All major credit cards and debit cards are accepted, including Visa, Mastercard, American Express, and Discover.
  • Home Depot credit cards – There are Home Depot-branded credit cards that offer perks like 5% back in rewards.
  • Home Depot app – The app allows you to save cards, access receipts, and manage Pro Xtra rewards.

Home Depot Payment Options

Home Depot accepts a variety of payment methods in their retail stores. Here are some of the top ways to pay when shopping at Home Depot:

Credit and Debit Cards

Home Depot accepts all major credit cards including Visa, Mastercard, American Express, and Discover.

They also accept debit cards like Visa debit and Mastercard debit. You can tap/insert your card or swipe if you have the old-style magnetic stripe card.

Home Depot Gift Cards

Physical and eGift cards can be used to pay at checkout. You can purchase Home Depot gift cards right in the store or online to load funds to redeem later.

Gift cards do not expire so you can keep leftover balances.

Home Depot Credit Cards

There are branded credit cards like the Home Depot Consumer Card, Project Loan Card, and Commercial Card. Cardholders get 5% back in rewards or exclusive financing offers.

You need to apply first to get one of their credit cards.


You can pay with your PayPal account by linking your phone number or using the PayPal app. Home Depot partnered with PayPal in 2018 to offer more digital payment options.


Home Depot does accept cash payments. Keep in mind that they do not provide cash back at checkout though. You will need exact change when paying with cash.


Personal checks are another payment method accepted, though less common than cash or cards. Make sure you have a valid photo ID to write a check.

Pro Xtra Loyalty Program

Members of Home Depot’s loyalty program can save their payment information to expedite checkout. Your Pro Xtra number also gives you access to special rewards and discounts.

Benefits of Pro Xtra at Home Depot

Pro Xtra is Home Depot’s free loyalty program that provides benefits and perks for frequent shoppers. Here is an overview of how Pro Xtra works with payment methods:

  • Get discounts, rebates, and other exclusive offers for signing up
  • Save your credit/debit cards or Home Depot gift cards to your Pro Xtra account
  • Use “Card-on-File” at checkout to access your saved payment methods by phone number
  • Earn 5% back in rewards on all purchases when you use the Home Depot credit card
  • Track your purchase history and redeem your rewards points
  • Get a monthly Pro Xtra rewards certificate on your anniversary date
  • Take advantage of free 60-day returns and reduced fees

Pro Xtra helps streamline checking out, especially when you have your payment information stored. It is free to sign up online or in a Home Depot store.

Exploring the Home Depot App

The Home Depot app allows you to manage payments as well as shop, save, and organize projects. Key payment features include:

  • Save credit/debit cards and Home Depot gift cards to your profile
  • Access cards through the “wallet” section of the app
  • Scan the app at checkout to automatically use a saved payment method
  • View purchase history and receipts directly in the app
  • Pay your Home Depot credit card, track rewards, and manage your account
  • Clip, save, share coupons and promos right in the app
  • Use bar code scanners and other AR tools to shop in-store

The Home Depot app complements the Pro Xtra program with expanded digital tools. Download it for iPhone or Android to enhance how you pay.

What Payment Methods Does Home Depot Accept?

The main payment options accepted at Home Depot include:

  • Credit cards – Visa, Mastercard, American Express, Discover
  • Debit cards – Debit cards with a Visa or Mastercard logo
  • Home Depot gift cards – Plastic or eGift card
  • Home Depot credit cards – Home Depot branded credit card
  • PayPal – Via PayPal app or linked phone number
  • Cash – U.S. paper currency, exact change
  • Check – Personal check with valid photo ID

Payment methods NOT accepted:

  • Apple Pay – Home Depot does not accept Apple Pay
  • Google Pay – Google’s contactless payment app
  • Samsung Pay – Samsung’s contactless payment app
  • Afterpay – “Buy now, pay later” financing app
  • Venmo – Peer-to-peer mobile payment app
  • Payment apps – Apps like Cash App, Zelle, Klarna, etc.

Payment Options for Home Depot’s Mobile App

The Home Depot app allows you to manage and use the following payment methods:

  • Saved credit/debit cards – Add Visa, Mastercard, Amex, Discover cards and pay with one tap
  • Home Depot gift cards – Register eGift cards or scan plastic gift cards to save
  • Home Depot Credit Cards – Manage your Home Depot card account
  • PayPal – Connect PayPal account to pay with your balance
  • QR codes – Scan digital coupons, Pro Xtra loyalty codes
  • Register in-app – Sign up for credit cards or Pro Xtra within app

The mobile app does NOT support:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Afterpay
  • Venmo
  • Payment apps

The app allows card-free payment via scanning or one-tap access to digital payment methods.

Payment Options for

At, you can pay using:

  • Credit/debit cards – Mastercard, Visa, Discover, American Express
  • PayPal – Check out with your PayPal account
  • PayPal Credit – Special financing from PayPal
  • Home Depot gift cards – Redeem eGift cards or physical cards
  • Home Depot credit cards – If you have a branded HD card
  • Affirm – Pay over time in monthly installments
  • Bill Me Later – Pay your balance at a later date
  • Purchase order – Business/commercial accounts
  • Cash/check – In-store pickup only

Payment options NOT available online:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Venmo
  • Afterpay

Home Depot offers flexible online payment methods, just not digital wallets like Apple Pay.

Home Depot and Digital Wallets

Nope, Home Depot doesn’t take digital wallets like Apple Pay, Google Pay, or Samsung Pay. But they do like PayPal, so you can use that if you want.

They also accept Affirm for installment payments. Just so you know, Home Depot hasn’t said anything about accepting Apple Pay, Google Pay, or Samsung Pay in the future.

So, for now, it’s PayPal or the usual way to pay.

Using PayPal at Home Depot

You have a couple different options for using PayPal at Home Depot:


  • PayPal app – Open the app and check-in to the store when prompted
  • Linked phone number – Give cashier your linked phone number
  • QR code – Scan the PayPal QR code at checkout


  • PayPal account login – Select PayPal at checkout on
  • Guest checkout – Check out as a guest and pay with cards
  • QR code – Scan web QR code with PayPal app

You can pay with your PayPal balance or linked bank account and cards. PayPal allows contactless payment without needing a physical credit/debit card.

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

Yes, Home Depot accepts the PayPal “Pay in 4” installment financing option when you checkout with PayPal online or in the mobile app.

With Pay in 4:

  • Make 4 interest-free payments every 2 weeks
  • Split purchase amounts between $30-$1,500 into 4 payments
  • No fees or impact on credit score
  • Automatically deducted from your PayPal balance, bank, or debit card

Pay in 4 is an easy way to break up Home Depot purchases over $30 into more manageable payments over 6 weeks. Use it online or in-store when paying with PayPal.

Home Depot Credit Card Options

Home Depot offers branded credit cards that give you 5% back and special financing. The main options are:

1. The Home Depot Consumer Credit Card

  • 5% back on Home Depot purchases
  • 0% APR financing for 6-24 months
  • Access to exclusive offers and savings
  • Available for personal/household projects

2. The Home Depot Project Loan Card

  • 0% APR project financing for up to 24 months
  • Higher credit limits for big projects
  • Manage large renovations and upgrades

3. The Home Depot Commercial Account Card

  • 5% back in rewards on business purchases
  • Dedicated account rep and Pro Xtra benefits
  • Higher limits and financing for contractors
  • Simplified tracking and management

The consumer card is for personal use while the commercial card is for business/contractor expenses. All provide 5% back in rewards and 0% financing offers.


Does Home Depot take Apple Pay or Google Pay?

No, Home Depot does not currently accept Apple Pay, Google Pay, Samsung Pay or other third-party digital wallets.

What if my credit card has contactless pay?

You cannot use contactless tap-to-pay credit card technology like Visa PayWave because Home Depot’s payment terminals are not activated to accept contactless payments.

Can I use PayPal or Venmo at Home Depot?

You can use PayPal in Home Depot stores or online, but Venmo peer-to-peer payments are not accepted.

Does Home Depot accept Afterpay?

No, Home Depot does not accept Afterpay buy now/pay later financing.

Can I pay my Home Depot credit card bill in stores?

No, you cannot pay your Home Depot credit card bill at the register. You need to pay it online, by phone, or by mail.

What about gift cards? Can I use those to pay?

Yes, Home Depot accepts both physical and eGift cards. You can purchase or register them to redeem at checkout.

How do I pay with a check?

Home Depot accepts personal checks with valid photo ID. A debit card PIN may be required with a checking account.

Is there a minimum purchase amount to use certain payments?

There is no minimum purchase amount. All payment methods accepted by Home Depot can be used regardless of the total transaction size.

What’s the easiest way to pay at Home Depot?

Using a saved credit card in the Home Depot app provides the fastest, most seamless payment experience. You can also use PayPal or gift cards registered to your account.

Key Takeaways:

  • Home Depot currently does not accept Apple Pay or contactless payments
  • You can use PayPal and PayPal’s Pay in 4 installment plan
  • Home Depot does accept all major credit cards, debit cards, gift cards, and cash
  • Consider linking your payment methods to a free Pro Xtra loyalty account
  • The Home Depot app allows saved cards, gift cards, coupons, and easy scanning
  • Branded credit card holders get 5% back plus special financing offers
  • No signs Home Depot will adopt Apple Pay soon, but new payment tech is possible


Home Depot lags behind many other major retailers in accepting mobile payment technology like Apple Pay. For iPhone users who want a contactless option, PayPal is the best current choice.

Hopefully, Home Depot will expand its capabilities in the future to accept Apple Pay and other digital wallets. But for now, mobile payments are limited compared to competitors.

Their current focus seems to be on options like branded credit cards and enhancing their own app features.

To simplify checkout, the best bet is linking your credit/debit cards, PayPal account, or gift cards to a free Pro Xtra loyalty member account.

Take advantage of curbside pickup options in the app as well. While not as cutting-edge as some retailers, Home Depot does ultimately provide a variety of flexible payment methods.