Does Home Depot Take Apple Pay in April 2025?
Shopping these days offers up many different conveniences including digital payment options like Apple Pay. But not everyone accepts these alternative forms of payment, instead preferring to stick to things like credit and debit cards as well as cash. So, just in time for mulch season, where does Home Depot fall in all of this?
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Does Home Depot Accept Apple Pay?
No, Home Depot does not accept Apple Pay (or any other form of mobile payment such as Venmo) at the time of writing. Shoppers can use PayPal, but not as a contactless form of payment. More details on that below.
The Workaround: Use PayPal Instead
Since Home Depot doesn't accept digital wallet payments, there's really no workaround that will allow you to use Apple Pay. About the only way you can get close is by setting up your PayPal account to be used in physical stores, and then downloading the app to pull up during checkout at Home Depot.
If you do want to use this route, you'll need to sign into your PayPal account, then navigate to the Wallet tab at the top. Once there, you can link a new card or bank to pay for your purchases with. When shopping on Home Depot afterwards, you should be able to choose PayPal on product pages; simply click the PayPal button below the Add to Cart button and follow the prompts in the popup to pay for your purchase.
If you want to use PayPal to pay for your in-store Home Depot purchases, you'll need to download the PayPal app. Before you go shopping, take a few minutes to click on the icon for your QR code in the app. Then you should be able to click "Show to Pay" and from there you'll need to set up a payment within your PayPal account (if you haven't already) in order to be able to use the method when shopping in-person. Then, when checking out at Home Depot (or anywhere else that supports PayPal), you'll be able to pull up the app and follow the instructions to pay from it rather than using a physical card or cash.
Accepted Payment Methods at Home Depot
While Home Depot does not have pay support with Apple Pay, they do have a select few purchase options!
While Home Depot doesn't accept Apple Pay, it does have a decent list of accepted payment methods for 2025. Always be sure to stay up to date with their processes and their programs. They also want to ensure safe transactions. You can connect with their support if you have any problems. Here is what they are accepting:
- Visa: Almost all Visa branded credit cards are good to go here.
- MasterCard: Same with this one here with the MasterCard name.
- American Express: If you have American Express, that will be a great option, too.
- Discover Card: And don't sleep with Discover if you have one; the rewards points could help long term!
- Gift cards: Our gift card discounts makes it much easier, especially if you do not have much to spend now.
They also provide Home Depot specific cards:
- Home Depot consumer card: The specific offering is something to note as it is direct from this company.
- Home Depot commercial accounts: Great for contractors, as they get access to additional pay points on their accounts with PROX or CRC models.
Also note that they are one of few that do not have the following:
- Other Mobile Payments: The lack of Samsung Pay and Google Pay options really does stick out.
- Contactless payment: All tap systems including Apple, Google, or Samsung are missing.
For those methods, there are always terms and conditions to keep in mind in these settings. So, here are a few considerations for what you will be working with for these other methods.
If you wish to refund a purchase, you will need to have the original payment method on hand. If not, there is a good chance you will get store credit for whatever you want.
Of course, Home Depot will also accept its own consumer credit card and commercial credit accounts as well. As mentioned above, PayPal is also an acceptable method of payment — just remember you'll have to set it up beforehand in order to pay that way.
Remember that if you're returning an item to Home Depot, you'll need to have the original payment method on hand in most cases. While they may be willing to refund you without it, you'll likely only receive store credit, so be sure you have something else in mind to buy if it comes to that.
Consumer Responses and Market Impact
While Home Depot initially accepted Apple Pay when it first went live in 2014, that short-lived embrace ended a few years later. Customers and industry analysts have offered various theories for Home Depot's departure from Apple Pay, ranging from technical changes and system integration issues to financial considerations. However, the Home Depot board has not issued comments.
One common theory centers on transaction fees. It is often argued that Home Depot may be unwilling to pay the per-transaction fee associated with Apple Pay which might have led them to make the choice. While the exact amount that retailers pay varies depending on negotiated agreements, these fees can add up, especially for a high-volume retailer like Home Depot. Also given other concerns for theft with Apple Pay, perhaps this decision might be related to other reasons.
Another possibility, and this is even more speculative, involves the long-term strategic goals. It may very well be that Home Depot wants to focus on building and promoting its own digital ecosystem to maintain even more control. This is all for Home Depot, and does nothing to assist customers. As those goals might also be there to help in safety, that may be why a service is not added.
Comparison With Other Retailers
One reason Home Depot might consider a full embrace of Apple Pay in the future is that, broadly, they're still out of step with many retailers, even if others like Walmart does as well. As of 2025, Apple claims that Apple Pay is accepted at over 90% of retailers in the US, and can be used everywhere from vending machines and grocery stores to taxis and subway stations. If anything, the COVID-19 crisis only accelerated this widespread adoption of contactless payment methods. It's certainly valid to wonder why Home Depot has performed certain actions in their practices. Do Lowe's and Ace get better results when they're doing it as well? Or other consumer tech names out there?
However, Home Depot is not completely alone in this decision. There is Walmart, for example. Arby's, Applebee's, and Hobby Lobby also don't accept Apple Pay. Do they also have their own version of a Home Depot consumer card? The power to get the help or information you need might be something they had to also consider for their customers.
Others are now accepting Apple Pay, including Kroger, Target, Best Buy, CVS, Staples, Lowe's, McDonald's, Chick-fil-A, Wendy's, and Burger King. And it might have additional revenue that they might not have worked with before and they might have made their actions and consent preferences aligned, so what is there to go on now? Perhaps this is a new strategy for their money saving?
It is also important to remember what Canada is doing in response. As Home Depot Canada might see if the process makes a difference, perhaps then Home Depot US can implement the same process for their plans.
Future of Digital Payments at Home Depot
As mentioned above, there's always a chance that Home Depot could bring back digital payments. Being able to quickly pay with something like Apple Pay would certainly make shopping during busier holidays much faster and even more convenient. The tipping point may be as these forms of payment become even more popular than they already are and more stores implement them, Home Depot will feel forced to do the same just to compete. However, there's currently no word on this being the case so for now, customers will have to continue to rely on the one of the payment methods outlined above and take advantage of any current eligible perks (like military discounts) to make their Home Depot trips worth it.
Unfortunately, as Home Depot doesn't accept Apple Pay and there's no real workaround, you're out of luck when shopping at the home improvement retailer if you want to use it. In the meantime, watch for announcements from Home Depot — from price matching updates to return policy news, we've got you covered this year!
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