Does Home Depot Take Apple Pay? (Updated 2023) (2023)

Does Home Depot Take Apple Pay? (Updated 2023) (1)

As one of the leading retailers in the home improvement market, Home Depot is the first pick for many consumers.

Whether it’s shopping for supplies to fix problems or to build a new fire pit, Home Depot has practically anything a homeowner or professional could need.

When it comes to paying at Home Depot, many wonder if they accept Apple Pay.

As a competitor to PayPal, Apple Pay allows its users to pay for purchases at many different stores.

Here’s what you need to know about whether Home Depot accepts Apple Pay or not.

Does Home Depot Take Apple Pay?

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No, Home Depot does not take Apple Pay.

There’s some confusion on this part because Home Depot used to accept Apple Pay.

However, the retailer no longer accepts it as a method of payment.

That’s because Home Depot recently partnered with PayPal.

Since PayPal and Apple Pay are competitors, PayPal likely had it written in their contract that Home Depot would no longer accept payment through Apple Pay.

Until Home Depot and PayPal part ways, it’s unlikely that they will accept Apple Pay in the future.

What Payment Methods Does Home Depot Accept?

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There are several ways to pay for your purchases at Home Depot.

The primary method is with cash.

At their stores, Home Depot will accept cash at their in-person checkout lanes as well as their self-service checkout lanes.

Another method is with a personal check

You can’t use a check for an online purchase, however, since there’s no way to process the check.

If you want to pay with a check, then you’ll need to come into the store and bring your checkbook with you.

Home Depot also accepts several credit cards for payment.

They include:

  • Visa
  • MasterCard
  • Discover
  • American Express

They also accept debit versions of these cards.

Home Depot also has its own credit card.

It’s called the Home Depot Consumer Credit Card.

You can only use this card at Home Depot stores, but they offer some rewards like discounted or free items when you make certain purchases.

There are also several different versions of the card to help you find a system that works best for your budget and needs.

You can use this card on purchases made in a Home Depot store.

Not all purchases may be possible on their mobile app or online store.

You can also use Home Depot gift cards to pay for items at the store.

These gift cards are specific to Home Depot.

You can’t use them anywhere else.

If someone has given you a gift card for Home Depot, then they technically made the purchase for you already.

They spend $20 on the card which then allows you to choose 20 dollars’ worth of merchandise.

If you buy something that costs more than $20, then you’ll need to make up the difference with another form of payment.

There are a variety of different gift card amounts.

Finally, you can use PayPal to pay for purchases at Home Depot.

PayPal has a card called the PayPal Cash Credit Card which basically acts like a debit card.

You load your PayPal account with money from your bank or another credit card.

Then use the funds from your account to pay for things.

Some terminals will accept the card while others won’t.

It’s easier to use PayPal to pay for purchases online or with the mobile app.

What Payment Options Do You Have For Home Depot’s Mobile App?

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Not all payment methods are usable on their mobile app.

Like all other apps, Home Depot’s app is for convenience rather than practicality.

You can’t pay with cash or a check, for example, because there isn’t anything to feed such payments through.

However, you can use your credit cards and Home Depot credit card with their mobile app.

When you navigate to your checkout area after adding your purchases to your cart, you’ll see a few different ways to pay.

If you want to use a credit card or a Home Depot credit card, then you’ll type in the necessary information in the appropriate fields.

If you want to use a gift card, then you’ll need to find the area that allows you to type in the gift card’s number.

In many cases, the tax on the purchases will drive your total above what the gift card covers.

When this happens, you’ll need to either use a credit card or PayPal to make up for the difference.

The mobile app also allows you to pay with PayPal.

You’ll see a PayPal button on the screen.

Click that and it will take you to a sign-in page or automatically proceed with the transaction.

If you have a PayPal Cash Credit Card linked to your account, then it may also give you the option to choose that rather than another linked institution to your account.

Once you type in or click the appropriate information, then the app will process the order and send a receipt and shipment information to your email.

You will not find options for Apple Pay or Google Pay on the mobile app.

What Payment Options Do You Have For

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If you want to shop on the store’s official website, then you’ll find similar ways to pay for your purchases as with their mobile app.

Like the mobile app, you can’t use cash or a personal check to pay for your purchases.

There’s no way to type in a check and certainly no way to send in cash.

However, you can use your debit or credit card on the store’s website.

After placing purchases in your cart, you can navigate to the checkout area.

From here, you can choose the payment method that you want to use.

In the case of credit and debit cards, including the Home Depot Consumer Credit Card, you’ll type in the required information that you can find on the card.

You can also use gift cards on their official store’s website.

You’ll even find gift cards to purchase on the website.

Besides those methods, you can also pay with PayPal on their website.

Just as on the mobile app, you’ll see a button that allows you to link your PayPal information to the website.

As long as you have the funds available or have a bank or credit card account linked to your PayPal, the funds will transfer from PayPal and pay for your purchases on the Home Depot website.

You will not find an option to use Apple Pay or Google Pay on the website.

Does Home Depot Accept Digital Wallets?

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Home Depot does not accept digital wallets anymore.

There used to be NFC stations where a customer could hold out their phone and complete a transaction.

NFC stands for near-field communication.

This worked by picking up signals from the phone which told the device the account to take money from and how much money to take.

This self-service method of payment aimed to make transactions faster and safer.

It also cut down on the number of cashiers that Home Depot needed to have available.

However, Home Depot has since transitioned away from NFC terminals.

With it has gone the ability to use digital wallets like Apple Pay and Google Pay.

This changed when Home Depot brokered a partnership with PayPal.

While many stores still have their NFC terminals available, they are not functional.

They’re likely still there in the event that the partnership between Home Depot and PayPal ever dissolves.

How Do You Use PayPal At Home Depot?

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Even though Home Depot doesn’t accept Apple Pay, you can use PayPal at Home Depot.

Here’s how to do it.

If you have a PayPal Cash Credit Card, then you can use it as a standard credit card.

When it comes time to pay for your purchases, you only need to swipe your card through the terminal.

It will take the information it needs from the card to process the payment.

You’ll also receive a prompt to type in a PIN for security reasons.

This assures PayPal that it’s you making the purchase and not a scammer.

You can also choose the option to pay with PayPal on the terminal itself.

When you do this method, you won’t need to swipe your card.

Instead, you’ll receive a prompt on the screen asking you for your mobile phone number.

This is the number associated with your PayPal account.

No other phone number will work.

Type the number into the terminal and wait for it to give you the next prompt.

Next, it will need your PIN.

Type in the PIN that you made with PayPal.

Once you type in your PIN, the payment will go through, and your purchase will be complete.

If you’re using a checkout lane with a cashier, then they might ask you for your phone number.

They’ll then type it in for you.

They will not ask you for your PIN.

Instead, you’ll need to type that into the checkout terminal yourself.

Some might also allow you to type in your own phone number if you don’t want to give that information out.

The cashier will first ask if you wish to pay through PayPal or with another means.

Then you’ll follow the steps above to complete the transaction.

Can You Use The PayPal “Pay In 4” Feature At Home Depot?

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One of the best features of using PayPal is their PayPal “Pay in 4” program.

This program allows you to split up a purchase into four separate payments.

These payments rarely charge interest unless you miss a payment.

It gives you the ability to pay for more expensive purchases immediately rather than waiting until you have all the funds together.

Since Home Deport partners with PayPal, you may wonder if they also accept the PayPal “Pay in 4” program.

The good news is that they do, but they only allow it on certain products.

The goods you can buy with PayPal “Pay in 4” are:

  • Power tools
  • Household furnishings
  • Outdoor furnishings
  • Homeware
  • Small appliances
  • Plants and garden materials
  • Lighting
  • Some electronics

There are a few exclusions, however.

You can’t buy large pieces of furniture with PayPal “Pay in 4”.

Nor can you buy more expensive appliances or electronics.

That’s because Home Depot doesn’t want to lose out on missed money due to an inability to make installment payments.

These are big-ticket items that carry a lot of value.

There’s a risk of losing that value with PayPal “Pay in 4”.

Another reason Home Depot excludes certain purchases is that they want consumers to use their Home Depot Consumer Credit Card instead.

This card also allows them to make big purchases and pay for them later.

The main difference is that it charges them interest on their purchases.

As a result, Home Depot gets a little extra money since they also collect funds through interest.

However, when using their website or mobile app, you’ll find the option to use the PayPal “Pay in 4” option on a few selected items.

It’s a great way to get the most out of the funds that you have available to you at the time of purchasing.

What Are The Different Home Depot Credit Card Options?

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Home Depot has several different credit cards available.

It may be an alternate way for people with Apple Pay to pay for their purchases.

Here are a few different Home Depot Credit Card options

1. The Home Depot Consumer Credit Card

One of their most popular credit cards is their Home Depot Consumer Credit Card.

It has several benefits.

With this credit card, you can receive six months of financing on orders of $299 and higher.

This means you have six months to pay for the purchase.

You can also receive 24 months of financing during a special promotion that they run from time to time.

This type of financing is helpful because it allows you to pay for larger purchases over a long period.

That means your monthly payments are lower on the item.

A benefit of their Consumer credit card is that you’re also able to return an item up to a year after its purchase.

That’s four times longer than those without the Consumer card.

The disadvantage of the Consumer card is that you do need to make monthly payments on it.

At the very least, you need to buy something with it every month.

2. The Home Depot Project Loan Card

The second type of credit card that they offer is the Project Loan card.

This card is for homeowners making large renovations or professionals doing a small job.

The card allows you to borrow up to $55,000 in purchases for a project.

It gives you six months to pay for your items.

It does not use an interest rate, however.

Instead, the monthly payments have a fixed price.

That can make buying the materials and tools cheaper in the long run since you don’t have to pay interest on top of it.

There are also no annual fees for the card.

The disadvantage of this card is that it’s subject to your credit rating.

3. The Home Depot Commercial Account Card

Another popular card is the Home Depot Commercial Account Card.

This card attempts to make it easier for businesses to buy tools and materials for their workers.

It’s geared towards a business that wants to give their workers the ability to pay for required materials as they work.

You can receive benefits like Buyer ID cards that help keep track of a worker’s expenses and itemized statements.

You also receive a Pro Xtra Membership which gives you even more benefits.

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