Does Target Take Apple Pay? (What You Need to Know!)

Short answer: Yes, Target does take Apple Pay, but only in-store. You can’t use Apple Pay online or in the app, according to the official Target website.

Below, I’ll go into more detail about how to use Apple Pay at Target, from how to set it up to paying for your purchases.

How to Set up Apple Pay

One of the benefits of Apple Pay is just how easy it is to set up. Simply add your credit card or debit card to the Wallet app on your iPhone. You can still get all of your card’s rewards and benefits, so you won’t miss out on any heard-earned points or miles.

Now, Apple Pay can actually be used on multiple devices like the iPhone, iPad, Apple Watch, and Mac.

To use Apple Pay, you will need:

• A compatible device with the latest version of iOS, iPadOS, or watchOS.
• A supported card from a participating card issuer
• An Apple ID signed into iCloud.

Then, to use Apple Pay at Target, and other retailers, you will need to add a card to Apple Pay. Here’s how you can do this on multiple devices.

iPhone

Here’s how you can add a card for Apple Pay on your iPhone:

• Open up the Wallet app.
• Tap the “Add” button.
• Tap “Debit Card” or “Credit Card.”
• Tap “Continue,” and then follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar.
• Verify your information with your bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.
• If you have a paired Apple Watch, you also get the option to add the card to your watch.

Apple Watch

Here’s how you can add a card for Apple Pay on your Apple Watch:

• Open the Wallet app on your Apple Watch.
• Scroll down and tap “Add Card.”
• Tap “Debit Card” or “Credit Card” to add a new card.
• Tap “Continue,” and then follow the steps on screen to enter your card information and add your card.
• You may have to verify your information with your bank or card issuer using the Apple Watch app on your paired iPhone. They might ask you to provide additional information, or to download an app before approving your card for use with Apple Pay.

You can also add a card for Apple Pay with the Apple Watch app on your iPhone:

• On your paired iPhone, open the Apple Watch app.
• Then, in the My Watch tab, tap “Wallet & Apple Pay.”
• Tap “Add Card.”
• Tap “Debit Card” or “Credit Card” to add a new card.
• Tap “Continue,” and then follow the steps on the screen to add your card.
• You may need to verify your information with the bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.

iPad

Here’s how you can add a card to your Apple Pay on your iPad:

• On your iPad, open Wallet settings. Go to Settings > Wallet & Apple Pay.
• Tap “Add Card,” and follow the steps on the screen to add a card.
• You may need to verify your information with your bank or card issuer. They might ask for more information.

Once you’ve added your card, you’ll be able to start using Apple Pay.

How to Use Apple Pay at Target

You can use Apple Pay at any retailer that accepts contactless payment. Target accepts Apple Pay as a payment option but only in-store.

Here’s how you can use Apple Pay in-store:

• Open the Apple Wallet app on your device.
• Double press the side button
• Verify your identity using your face ID, touch ID, or password.
• Place the device on the contactless payment symbol
• When you see the checkmark and the word “Done,” then the payment is complete.

Can You Use Apple Pay at Target.com or on the Target App?

While its main competitor Walmart doesn’t accept Apple Pay at all, on the official Target website, Apple Pay is only listed as a payment option in-store.

Target does not list Apple Pay as a payment option for its app or for Target.com.

Let’s take a look at Target payment options in more detail.

Target Payment Options In-store

Target accepts the following payment options in-store:

• Cash
• Target RedCard: Target Debit Card, Target Credit Card, Target Mastercard
• Target Application on Mobile Device: Target Debit Card, Target Credit Card, Target Mastercard.
• Target Temporary Slips: Target Debit Card and Target Credit Card.
• Third-party Credit Cards: Visa, Mastercard, Discover/Novus, American Express, credit cards from foreign banks (JCB Japanese Credit Bureau), Diner’s Club International, and FSA/HSA cards are redeemable for FSA/HSA eligible items.
• Debit/ATM and EBT Cards
• Contactless pay using the Target Mastercard or any other approved third-party credit card designed for contactless pay.
• Gift Cards: Target GiftCards, Merchandise Return Cards and Prepaid Gift Cards with a Visa, Mastercard, Discover, or American Express logo. Starbucks gift cards can be used at the in-store Starbucks registers.
• Target Gift Certificates
• Target Merchandise Vouchers
• Multiple Payment Methods Sales: Store team members can accept both a credit and debit card or EBT card per sale. Target checkout registers can process multiple credit cards in one transaction.
• Personal Checks
• Rebate Checks: Generally, these can only pay for part of the cost of an item. Rebate checks aren’t allowed to purchase any gift cards
• WIC (Women, Infants and Children) Program: Approved in authorized stores only.
• Mobile Payments: This includes Apple Pay, Google Pay, Samsung Pay, or any contactless digital wallet.
• Alipay is approved in authorized stores only.
• Campus Cash is approved in authorized stores only.

Target Payment Options at Target.com and in the Target App

As I said earlier, Apple Pay isn’t listed as a payment option on either the Target app or on the Target website, Target.com.

Here are the payment options that are accepted at Target.com and on the Target app:

• Target RedCard: Target Debit Card, Target Credit Card, Target Mastercard
• Third-party credit cards: American Express, Discover/Novus, Mastercard®, Visa, Target PCard (corporate purchasing card), and credit cards from foreign banks.
• Third-party debit cards: Must be connected with Visa or Mastercard and processed as a credit card.
• Target Gift Cards: Target GiftCards, Target eGiftCards and mobile Target GiftCards
• Third-party gift cards from American Express, Discover, Visa and Mastercard.
• Third-party installment plans, such as Afterpay, Klarna, and Zip
• Affirm, Sezzle, and PayPal Pay in 4.
• PayPal on Target.com and the Target app

Closing Thoughts

If you are heading into your local Target store, then you will be able to use Apple Pay to pay for your purchases. Unfortunately, according to the official Target website, Apple Pay isn’t currently accepted as a payment method at Target.com or in the app.

Do keep a lookout though to see if Target eventually does allow it to be used on its website or app. Companies are always changing their policies, so Target may, in the future, become one of the retailers that take Apple Pay on their website at Target.com or in the Target app.

By the way, you can pay with Apple Pay at Target with no fees or limitations!