Does Kroger Really Take Apple Pay? Yes, But There’s a Catch!

Wondering if Kroger accepts Apple Pay? You are in the right place! Here is everything you need to know about using Apple Pay at Kroger for a fast, secure, and contactless shopping experience.

Does Kroger Accept Payments From Apple Pay in 2025?

Yes, Kroger accepts Apple Pay at many of its stores and subsidiaries, but availability may vary depending on the location. Before visiting it is always a good idea to confirm availability with your local store for convenient shopping experience.

Also See : What Time Does Kroger Stores Open/Close ?

According to Macrumours, Kroger began accepting Apple Pay from Apr 15, 2023 and other contactless payment methods at select locations in Kentucky and Ohio. Also Kroger Mastercard 5% cashback on Apple Pay online payment is applicable.

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The Catch: Not Every Store Accepts Apple Pay

While some Kroger stores have begun accepting Apple Pay, it hasn’t been rolled out to all locations yet. Subsidiaries such as Fred Meyer, Ralphs, King Soopers, and Quality Food Centers (QFC) are now accepting Apple Pay, but this service is not available at every Kroger store.

Read More : Kroger Weekly Sales Ad Preview

Kroger, based in Cincinnati, has not made an official statement regarding the acceptance of Apple Pay. Therefore, if you plan to use Apple Pay, it’s wise to check with your local Kroger store to see if they support it.

How to Use Apple Pay at Kroger Without Card

Using Apple Pay is quick and simple. Follow these steps:

For iPhone Users:

  • With Face ID: Double-click the side button, authenticate with Face ID, and hold your phone near the contactless reader.
  • With Touch ID: Hold your phone near the reader with your finger on the Touch ID sensor.

For Apple Watch Users:

  • Double-click the side button on your watch.
  • Hold the apple watch display near the reader until you hear a beep or feel a tap.

Why Kroger Accepting Apple Pay?

Kroger’s acceptance of Apple Pay is part of their effort to meet customer demand for flexible payment options. Here’s why this is significant:

Convenience: There’s no need to carry physical cards.

Security: Apple Pay technology helps reduce the risk of fraud.

Simplicity: With a single tap, you can complete your payment.

Why Apple Pay Matters for Shoppers at Kroger Stores

Kroger’s choice to accept Apple Pay is fantastic news for customers who enjoy contactless or digital payments. Here’s why:

Hygiene-Friendly: It is an ideal option for those who want to minimize contact while shopping.

Faster Checkouts: You won’t have to dig through your wallet or handle cash.

Enhanced Security: Apple Pay employs tokenization to safeguard your card information.

Kroger Pay vs. Apple Pay : Which is Better ? Full Comparision

Kroger offers its own payment method called Kroger Pay, which some shoppers might prefer. Here is a quick comparison between Kroger Pay and Apple Pay.

FeatureKroger PayApple Pay
PlatformProprietary to KrogerAvailable across multiple retailers
AvailabilityKroger stores onlyWidely available at many stores globally
IntegrationIntegrated with Kroger Plus Card and loyalty rewardsWorks independently or integrates with bank cards
Payment MethodScans a QR code via Kroger appUses NFC technology on iPhone/Apple Watch
RewardsEarn Kroger fuel points and loyalty discountsRewards depend on the linked card
Setup RequirementRequires Kroger app and accountRequires Apple Wallet setup
Device CompatibilitySmartphone with Kroger appiPhone, Apple Watch, iPad, Mac
Ease of UseScan QR code at checkoutTap and pay
SecurityEncrypted QR code linked to Kroger accountTokenized transactions for security
Offline FunctionalityRequires internet connection for QR codeWorks offline for stored cards
Cost to UseFree to useFree to use (may incur standard bank fees)
PopularityLimited to Kroger shoppersPopular among a broader audience

Note: Both options have their benefits. Kroger Pay is great for loyalty rewards, while Apple Pay is the best choice if you shop at various stores and want a secure, widely accepted payment method.

Frequently Asked Questions

Can I Use Apple Pay for Online Orders or Pickup?

Currently No, Apple Pay is mainly available for in-store purchases. For pickup or delivery orders through the Kroger app or website, you will need to use other payment methods.

Does all Kroger owned stores are accepting apple pay?

No, not all Kroger-owned stores are accepting Apple Pay. Some subsidiaries, like Ralphs and Fred Meyer, have started accepting it. It’s best to call your local store to verify before shopping.

Can I use Apple Pay at self-checkout in Kroger?

Yes, you can typically use Apple Pay at self-checkout lanes where contactless payments are accepted. Look for the contactless payment symbol.

What should I do if my local Kroger doesn’t accept Apple Pay?

If Apple Pay isn’t available, you can use other payment methods like Kroger Pay, cash, or credit/debit cards. You can also request the store to consider adding Apple Pay

Does Kroger Offer Cash Back with Apple Pay?

Yes, Kroger offers cash back through its Kroger Rewards World Elite Mastercard when used with mobile wallets like Apple Pay, Samsung Pay, Google Pay, Garmin Pay, and LG Pay. You can earn 5% cash back on eligible mobile wallet purchases, subject to the card’s terms and conditions.

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