Does Kroger Take Apple Pay [2025]?

In 2025, digital wallets like Apple Pay are more popular than ever, offering fast and secure ways to shop. But one question continues to come up: Does Kroger accept Apple Pay? Let’s dive into the facts about Kroger’s payment methods, alternatives, and how to shop contactless.

Does Kroger Take Apple Pay?

• No, Kroger does not accept Apple Pay at any of its stores nationwide.
• This policy includes Kroger-owned subsidiaries like Ralphs, Fry’s, Smith’s, and King Soopers.
• Kroger has opted for its own mobile payment system known as Kroger Pay.
• Apple Pay terminals are disabled at Kroger checkout stations.
• While some locations tested Apple Pay in the past, it is not currently accepted.

What Payment Methods Does Kroger Accept?

• Kroger Pay – The retailer’s proprietary contactless payment system.
• Debit and Credit Cards – Visa, Mastercard, American Express, Discover.
• EBT/SNAP Benefits – Accepted in-store and for online orders where applicable.
• Cash & Checks – Traditional payments are still supported.
• Kroger Gift Cards – Usable at all Kroger-owned stores.
• Samsung Pay – Accepted at some locations with NFC-enabled readers.

Why Doesn’t Kroger Accept Apple Pay?

• Data Ownership: Kroger prefers to retain customer data, which is not accessible via Apple Pay.
• Lower Fees: Using Kroger Pay avoids the transaction fees that come with Apple Pay.
• In-House Control: Kroger promotes its own ecosystem for a personalized shopping experience.
• Loyalty Integration: Kroger Pay integrates with reward points and digital coupons.
• Strategic Positioning: The retailer wants to drive mobile engagement through its app.

Alternatives to Apple Pay at Kroger

• Kroger Pay: Works through the Kroger app and allows QR-based contactless payment.
• Samsung Pay: Some Kroger stores support it depending on terminal compatibility.
• Google Pay: Limited support; check at the store before using.
• Tap-to-Pay Cards: Most modern debit/credit cards with NFC chips work fine.
• Mobile Banking Apps: Bank apps that generate virtual cards can be used.

Does Kroger Accept Apple Pay at Fuel Centers or Pharmacies?

• Fuel Centers: Apple Pay is not accepted at Kroger gas stations.
• Pharmacies: Kroger pharmacies follow the same payment policy – no Apple Pay.
• Third-party terminals: Occasionally, independent terminals may support Apple Pay, but it is rare.
• Use Kroger Pay: Accepted at both fuel centers and pharmacy counters.

How to Use Kroger Pay: Step-by-Step Guide

1. Download the Kroger App from the App Store or Google Play.
2. Sign in or create a digital Kroger account.
3. Go to Kroger Pay inside the app.
4. Add your preferred debit/credit card as a payment method.
5. At checkout, scan the Kroger Pay QR code at the terminal.
6. Collect reward points and apply coupons automatically.

Full List of Kroger-Owned Stores and Their Apple Pay Support Status

Frequently Asked Questions (FAQs)

Will Kroger ever accept Apple Pay?

There is no official confirmation, but user demand may influence future decisions.

Can I use Apple Pay for pickup or delivery?

Apple Pay is not supported for Kroger online orders.

What grocery stores accept Apple Pay?

Whole Foods, Trader Joe’s, Walgreens, and Safeway support Apple Pay.

Is Kroger Pay secure?

Yes. It uses encrypted QR codes and never stores full card details.

Can I use Apple Wallet for coupons?

No. Use the Kroger app for digital coupons and loyalty rewards.

Conclusion: Best Way to Pay at Kroger in 2025

While Kroger does not accept Apple Pay, it offers a variety of digital and traditional payment methods. Kroger Pay is the go-to alternative, offering a secure and contactless checkout experience. Download the Kroger app, set up Kroger Pay, and enjoy personalized rewards with every purchase.

Stay updated with Kroger’s evolving digital payment ecosystem for a smooth and efficient shopping experience.