Using Apple Pay in store

Where Can I Use Apple Pay?

Apple pay logo and NFCApple Pay is mostly supported in all the stores that accept contactless payment. These terminals have one of these icons on it:

The app requires you to have iPhone 6 or iWatch and be located in the US (there are some supported locations in Canada as well). Apple is currently negotiating with banks in the UK but it is yet to be announced anywhere outside of North America.

Apple have signed deals with some retailers to insure they will always support Apple Pay.

Here is the list of retailers supporting Apple Pay as of January 2015:

  • Aeropostale
  • American Eagle Outfitters
  • Apple store
  • Babies ‘R’ Us
  • Bi-Lo
  • BJ’s Wholesale Club
  • Bloomingdale’s
  • Champs Sports
  • Chevron and Texaco, including retail stores like ExtraMile1
  • The Disney Store
  • Duane Reade2
  • ExtraMile
  • Foot Locker, including Kids Foot Locker, Lady Foot Locker, House of Hoops, and Run by Foot Locker
  • Foot action
  • Harveys Supermarket
  • Jewel Osco
  • Macy’s
  • McDonald’s
  • Meijer
  • Nike
  • Office Depot
  • Panera Bread
  • Petco and Unleashed by Petco
  • RadioShack
  • Sephora
  • Shaws
  • Six:02
  • Sports Authority
  • Staples
  • Star Market
  • Subway3
  • Toys ‘R’ Us
  • United Supermarkets
  • Unleashed
  • Walgreens
  • Wegmans
  • Whole Foods Market
  • Winn-Dixie

These stores will add support to Apple Pay in 2015:

  • Acme
  • Albertsons
  • Anthropologie
  • Free People
  • Urban Outfitters
  • Walt Disney World Resort

Where I cannot use Apple Pay

Since October 2014 big retailers like Walmart, Kmart, 7-Eleven, and Best Buy have teamed up to create an alternative service called CurrentC and are no longer accepting payments using Apple Pay. The retailers says it’s because of security issues, but that is absolutely not true, the hard truth is that they just want to endorse their own service and avoid paying hefty commissions to Apple.

The full list of stores that does not support Apple Pay are:

  • 7-Eleven
  • Bed, Bath & Beyond
  • Best Buy
  • Chilis
  • CVS
  • Dunkin Donuts
  • K-Mart
  • Lowe’s
  • Rite Aid
  • Sears
  • Target
  • Wal-Mart
  • Wendy’s

As of today, January 25th 2015, it is still unclear where you can use Apple Pay so please check out the comments below and tell us where it did or didn’t work for you.

Banks that support Apple Pay

These popular banks support Apple Pay with Credit and Debit card

  • American Express
  • Bank of America
  • Barclaycard
  • BB&T
  • CapitalOne
  • Chase
  • Citi
  • Commerce Bank
  • Huntington
  • M&T Bank
  • MasterCard
  • Navy Federal
  • PNC
  • Regions
  • SunTrust
  • TCF Bank
  • TD Bank
  • US bank
  • USAA
  • Visa
  • Wells Fargo

The full list can be found here.

What should we expect from Apple in the future?

Apple Pay as won the war in dominating the Mobile Payment market and hold more than 70% of this market. They are expected to continue doing so in 2015 as Apple CEO, Tim Cook, describe 2015 to be “the year of Apple Pay”.

Apple have signed deals with banks and stores in the UK and it is planned to be supported there soon. Although there still isn’t a formal release date in the UK, it is safe to assume it will be somewhere around the release date of the Apple Watch in March.

As for Canada, you can pay there using Apple Pay in stores with payment terminals that support NFC (Near Field Communication) card and mobile devices. This is because the integration Apple did with EMV (Europay MasterCard Visa) chips.

In order to further expand, they are expected to acquire some of their competitors like CurrentC or even Paypal from eBay. They can also acquire Softcard if Google bails out from the rumored deal or they can acquire the smaller competitors Dwolla and Paydiant.

According to 4 commercial ads out there, we can definitely say Apple Pay is endorsed by the major banks, Bank of America, Wells Fargo and Chase as it seems like other major banks are going to follow.


Apple has also closed deal with USAT to allow using Apple Pay in their machines across the USA. This includes coffee breweries, vending machines, kiosks, laundry equipment, parking pay stations and other self-serve appliances.

What do you think would be the leading mobile payment solution? Comment below and share your perspective with us!





Jason Gardiner

Tech savvy from Chicago that enjoys life!