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Where is Apple Pay Accepted?

Apple Pay has continued to grow at a breathtaking rate since its introduction in 2015. This contactless payment service continues to rise, and more retailers, banks, and countries continue to join. With all the payment options attached to Apple Pay, it’s high time you jump on this secure payment option if you’re not there already.

In this article, I’ll dig into everything you need to know about Apple Pay, and most importantly, how you can use it.

So, where is Apple Pay Accepted?

Although some people are still confused about where they can use Apple Pay, the simple answer is- you can use the service at any place that accepts contactless payments. All you need is to swipe your Apple device on a contactless terminal and make your payments in seconds!

Some of the stores in the US that accept Apple Pay include Best Buy, Bloomingdales, Sprouts, B&H Photo, Chevron, Disney, Dunkin Donuts, GameStop, Publix, Jamba Juice, Kohl’s, Lucky, McDonald’s, Office Depot, Petco, Staples, KFC, Trader Joe’s, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Taco Bell, and 7-11.

Additionally, this payment can be used to pay for apps on Apple devices. However, unlike other online wallets, Apple Pay cannot make payments for goods in browsers.

Restaurants that accept apple pay

The following is a list of some of the restaurants that take Apple Pay in the US (This list is not exhaustive)

  • McDonald’s
  • Panera Bread
  • Subway
  • Whole Foods
  • ExtraMile
  • Wegmans
  • Au Bon Pain
  • Auntie Anne’s
  • Baskin-Robbins
  • Ben & Jerry’s
  • Buffalo Wild Wings
  • Burger King
  • Carvel
  • Little Caesars    
  • Luby’s  
  • McDonald’s       
  • Moe’s  
  • Olive Garden    
  • Outback Steakhouse     
  • Panda Express  
  • Panera Bread    
  • Papa John’s
  • Checkers
  • Chick-fil-A
  • Chili’s
  • Chipotle
  • Church’s Chicken
  • Cold Stone
  • Culver’s
  • Dairy Queen
  • Denny’s
  • Domino’s
  • Dunkin’ Donuts
  • El Pollo Loco
  • Firehouse Subs
  • Five Guys
  • Peet’s Coffee   
  • Pizza Hut             
  • Pollo Tropical    
  • Popeyes             
  • Qdoba 
  • Rubio’s
  • Shake Shack      
  • Smoothie King  
  • Friendly’s           
  • Fuddruckers
  • Golden Corral
  • Hardee’s
  • Hooters               
  • IHOP     
  • In-N-Out Burger
  • Jack In The Box
  • Jamba Juice       
  • Jersey Mike’s   
  • Jimmy John’s    
  • Johnny Rockets
  • KFC       
  • Krispy Kreme
  • Taco Bell
  • Waffle House   
  • Whataburger    
  • White Castle     
  • Wingstop
  • Starbucks           
  • Subway 

What is Apple Pay?

Apple Pay is a contactless payment service that allows users to pay for products and services without a physical card or cash. Users need to add their debit or credit card to the Apple account and use their Apple gadgets to pay for purchases. This service uses contactless payment technology and is currently available on iPhone 6 and iPhone 6 Plus models.

Related: Does Amazon Take Apple Pay?

How Does Apple Pay Work?

If you own an Apple gadget, you probably know Apple’s Passbook app. A while ago, it was mainly used to aggregate loyalty cards, coupons, cinema tickets, and others. Nowadays, Passbook is also the central hub for Apple Pay.

If you have the latest Apple gadgets, Passbook can hold your credit card details, but your card provider must agree with Apple. Currently, there are several banks that accept Apple Pay.

When an Apple device touches a contactless terminal, the gadget communicates using near field communication (NFC). The Apple Pay user is then required to authorize the payment using a passcode, usually four digits or more, or scanning the device and pressing the Touch ID, fingerprint reader.

It’s crucial to note that Apple Pay does not keep any transaction details that can be traced back to the user.

Related: Apple Pay Refund Time Frame

Is there a monthly fee for Apple Pay?

There are no monthly charges linked to Apple Pay. If you pay in stores or restaurants using Apple Pay, Apple doesn’t charge any fees. If you use a debit card, there’s no additional fee. Additionally, if you transfer money to an Apple Pay user using your debit card linked to Apple Pay, you won’t be charged. However, you will be charged a 3% fee if you make a transfer to a person using your credit card attached to Apple pay.

How do I enable Apple Pay?

You have to use the Apple Wallet app to set up Apple Pay on your iPad or iPhone. On your iPad, open Settings, then Wallet & Apple Pay. On your iPhone, open Wallet. Click Add Credit or Debit card or “+” in the top right corner and click “Continue”. Ensure that you fill in all the needed information correctly.

You will be required to give additional verification, which may mean calling your bank or receiving a text message with a unique code. Each bank has a different process.

After your card is verified, you can start making payments with Apple Pay.

What are the benefits of using Apple Pay?

With Apple Pay, you can make payments:

  • Online- You can make online payments as long as the contactless payment service is enabled.
  • Offline- You can make payments in major restaurants, stores, cafes, and anywhere Apple Pay and credit cards payments are accepted.
  • Convenient- Apple Pay is a seamless way of making payments, with less delay in the buyer’s path.

Is Apple cash the same as Apple Pay?

Where is Apple Pay Accepted?

Apple Cash and Apple Pay are digital services designed to provide a convenient way to pay bills and send money to family and friends. With Apple Pay, you need your Apple device to make payments, funded by a linked debit or credit card. Apple Cash is available in Apple’s digital wallet. You can load cash from a prepaid or debit card and use the wallet to pay Apple Pay transactions or send or receive money from friends and family.

Why was Apple Pay declined?

Sometimes, your Apple Pay may be declined. Here are some potential reasons:

  • You have insufficient funds in the account.
  • The merchant doesn’t accept contactless payment.
  • Your card is not active or has been blocked.

Final Thoughts

Apple Pay is a secure payment method for in-app, in-store, and online shopping. Since you can practically link it to any credit card you have, Apple Pay should be your next contactless payment service. But even if it is highly effective and has advanced security features, you need to adopt the best practices for online safety.

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