Does Arby’s Take Apple Pay?

Arby’s accepts Apple Pay as a contactless payment method at over 3,300 locations nationwide. Customers with an iPhone or Apple Watch can checkout using Apple Pay at participating Arby’s restaurants for a fast and secure way to pay.

Does Arby's Take Apple Pay?

How Apple Pay Works at Arby’s

Apple Pay allows customers to use their iPhone or Apple Watch to quickly checkout at Arby’s. Here is an overview of how to use Apple Pay at Arby’s:

  • When checking out, simply hold your iPhone or Apple Watch near the contactless reader until you see the Apple Pay symbol.
  • Authenticate with Face ID, Touch ID, or passcode on your device.
  • That’s it! Your order will be paid for using Apple Pay and your default card.


Using Apple Pay at Arby’s offers several benefits including:

  • Fast checkout: No need to grab your wallet, Apple Pay is ready with just a glance.
  • Secure payments: Apple Pay transactions use a device-specific number and dynamic security code so your card details stay private.
  • Easy tracking: All your Apple Pay purchases appear on your card statement or in the Wallet app.

Activating Apple Pay

Before you can use Apple Pay at Arby’s, you will need to set it up:

On your iPhone

  1. Open the Wallet app
  2. Tap the “+” icon
  3. Follow prompts to add your credit or debit card
  4. Double click the side button at checkout

On your Apple Watch

  1. Open the Watch app on iPhone
  2. Tap Wallet & Apple Pay
  3. Add your card
  4. Double click side button at checkout

Once activated, look for the Apple Pay contactless reader symbol at check out to pay with just one glance at your iPhone or Apple Watch. It’s that easy!

Apple Pay Compatible Cards

You can add most credit and debit cards to Apple Pay including:

  • Visa
  • Mastercard
  • American Express
  • Discover

Certain ATM cards, rewards cards, and corporate cards may not be eligible. Refer to your bank or card issuer for more details on Apple Pay compatibility.

How To Check If a Location Accepts Apple Pay

While over 3,300 Arby’s stores accept Apple Pay, always check if the location has contactless capability before paying with your iPhone.

You can identify if a specific Arby’s store takes Apple Pay in three easy ways:

  1. Arby’s store locator: Search for the nearest Arby’s location and check for an Apple Pay logo indicating Apple Pay acceptance.
  2. Contactless terminal: Look for the universal contactless symbol when you check out. All terminals with this symbol accept Apple Pay.
  3. Wallet app: Open your Wallet app as you approach checkout. If Apple Pay is accepted, your default card will appear on the screen.

Apple Pay Transaction Limits

Arby’s has implemented the following transaction limits when using Apple Pay:

  • Maximum transaction amount: $10,000 On a per-transaction basis, customers can pay for orders up to $10,000 using Apple Pay at Arby’s. However, lower card limits may still apply based on issuer restrictions.
  • Daily spend limit: Varies by card issuer Your bank or card provider determines the total amount you can spend per day. This applies cumulatively across all transactions including Arby’s Apple Pay purchases.

If you exceed the limit, your transaction may be declined. Check with your card issuer if needed.

Customer Data and Privacy

Device account number: Tokenized card details are stored securely on your device. This unique device account number replaces your actual card number for each transaction.

Dynamic security code: A one-time dynamic security code is generated with each Apple Pay transaction instead of using the code printed on your physical card.

Data privacy: Your transaction data is encrypted and Arby’s cannot access or store details on your device such as card information, device ID numbers, email, or contact details.

Loyalty Programs and Offers

The following Arby’s loyalty programs and offers can be applied to purchases made via Apple Pay:

  • Arby’s coupons
  • Arby’s APP exclusive deals
  • My Arby’s Rewards point accumulation

To earn or redeem rewards, you must scan your My Arby’s Rewards account barcode from the Arby’s app before paying with Apple Pay. Rewards cannot be applied by entering a phone number manually when checking out with Apple Pay.

Tips for Using Apple Pay at Arby’s

Follow these useful tips for the smoothest experience when paying with Apple Pay at Arby’s:

  • Hold your iPhone or Apple Watch directly over the payment terminal with your Wallet card visible on the screen. Avoid inserting it into a chip reader.
  • Keep your device flat and avoid covering the top edge with your fingers to allow proper NFC communication.
  • Stay until you see “Approved” and the reader beeps to confirm transaction completion before moving your device.
  • Have a backup payment ready just in case of declined transactions due to issuer limits or connection issues.
  • If you have an iPhone and an Apple Watch, enable Apple Pay on both to proceed without your phone.

Troubleshooting Apple Pay Issues at Arby’s

If you encounter any problems using Apple Pay at Arby’s, try these troubleshooting tips:

Can’t find how to enable Apple Pay?

  • Update to the latest iOS or watchOS software.
  • Contact your card issuer to verify Apple Pay eligibility for your device.

Card not recognized or “Use Another Card”?

  • Confirm the card supports Apple Pay.
  • Check for damage that could block the NFC antenna area.
  • Remove the card and re-add it.

Declined transactions?

  • Verify you have sufficient funds.
  • Contact your card provider to check if Arby’s merchant category triggers transaction blocks or fraud alerts for your account.
  • Confirm your purchase doesn’t exceed your cumulative daily spending limit across all cards.

Other unexpected errors?

  • First step is to try the transaction again in case it was a temporary glitch.
  • If problems persist, speak to an Arby’s manager for assistance.

Key Takeaways on Arby’s and Apple Pay

The key points on whether Arby’s takes Apple Pay include:

  • Wide acceptance: Over 3,300 company-owned Arby’s locations have contactless terminals to accept Apple Pay nationwide.
  • Fast checkout: Apple Pay allows iPhone and Apple Watch customers to checkout quickly with just a glance.
  • Secure transactions: Tokenized card details and dynamic codes keep payment info private.
  • Compatible cards: Most major credit and debit cards from top issuers can be added to Apple Pay.
  • Rewards friendly: Arby’s loyalty programs and discounts still apply when using Apple Pay.

So for fast, easy, and secure contactless payments – yes, Arby’s does take Apple Pay!


In summary, Apple Pay acceptance continues to grow at Arby’s locations across the United States for iPhone and Apple Watch users. This contactless mobile payment method allows for speedy and secure checkout using your supported debit or credit card stored in Apple Wallet.

Before your next visit, use Arby’s store locator map to confirm your local restaurant has contactless terminals. Then when you’re ready to pay for your Beef ‘n Cheddar or curly fries, simply hold your Apple device near the point of sale and authenticate with Face ID or Touch ID. It’s the fast and convenient way to dine and dash!

Frequently Asked Questions About Arby’s and Apple Pay

  1. What type of phones work with Apple Pay at Arby’s?
    Apple Pay works only with Apple iPhone and Apple Watch devices – Android phones are not supported. Compatible iPhone models include iPhone 8 or newer.

  2. Is Apple Pay free to use at Arby’s?
    Yes, there are no fees associated with using Apple Pay to purchase your favorite Arby’s menu items.

  3. How do I add my rewards account when paying with Apple Pay?
    Open your Arby’s app and scan your rewards barcode before tapping your iPhone. Your points will be automatically applied to the purchase.

  4. Is Apple Pay safe to use at Arby’s?
    Apple Pay is very safe and secure for making contactless payments at Arby’s. It uses tokenization and dynamic security codes to keep your actual payment card details private during transactions.

  5. What if my local Arby’s does not support Apple Pay?
    If your preferred location is not yet contactless enabled, you can still pay with physical credit/debit cards or cash for now. Arby’s is continuously working on upgrading terminals across all restaurants.

  6. My card was declined. What should I do?
    If your Apple Pay transaction did not go through at Arby’s, first check you have available funds on that card. There could also be a temporary system issue. Try again or use another payment method for now.

  7. How do I check my previous Apple Pay transactions at Arby’s?
    All Apple Pay purchases at Arby’s will appear on your regular credit and debit card statements. You can also view them in your Wallet transaction history on compatible Apple devices.

  8. Can I receive a printed receipt after paying with Apple Pay?
    Yes, Arby’s can provide your transaction receipt for any Apple Pay purchases. Be sure to ask at the counter if you would like a paper record.

  9. Is there a limit on how much I can spend?
    The maximum you may spend at Arby’s using Apple Pay is $10,000 per transaction. But your card issuer may impose additional daily spending caps that apply across all your transactions.

  10. Do I still earn stamp cards and loyalty rewards?
    Definitely! When correctly synced to your My Arby’s Rewards account, all qualifying purchases via Apple Pay count for earning points, stamp cards, and any other loyalty perks.

  11. What if my iPhone battery dies and I still want to pay with Apple Pay?
    You can use your paired Apple Watch to checkout with Apple Pay at Arby’s even if your iPhone is not nearby or has a depleted battery.

  12. Can I use Discover card with Apple Pay at Arby’s?
    Yes, you can add eligible Discover credit or debit cards onto Apple Pay and use them contactless at Arby’s nationwide.

  13. Does student discount apply to Apple Pay orders?
    Any valid Arby’s student discounts and coupons will still apply when using Apple Pay for payment. Be sure to mention any deals before you tap to checkout.

  14. Can I use Apple Pay at the drive-thru?
    Definitely! Apple Pay is fully supported at the drive-thru window for quick and convenient checkout while you are on the go.

  15. Do credit card rewards still apply when using Apple Pay at Arby’s?
    Yes, all standard credit card rewards programs, points, cashback offers, etc still work as usual for Apple Pay transactions at Arby’s.

  16. Will my administrative card transaction demonstrate at Arby’s?
    Business and corporate card transactions made with Apple Pay will show as “Arby’s” on card statements, the same as regular payments.

  17. Does Apple Pay work for delivery orders?
    At this time, you cannot directly use Apple Pay for Arby’s deliveries ordered online or via mobile apps. However, in-store pickup orders paid contactless with Apple Pay are available.

  18. Is Apple Pay contactless payment more secure than chipping cards?
    Apple Pay transactions provide enhanced security by using unique one-time codes instead of your actual card details, reducing risks of card number theft. Both methods are considered extremely safe.

  19. What Apple Watch model do I need to use Apple Pay at Arby’s?
    Apple Pay is supported on Apple Watch Series 1 and newer. As long as your Apple Watch can connect to the internet via your iPhone, you can use it for payments.

  20. Why do some locations have trouble processing Apple Pay payments?
    If you experience declined transactions or errors with Apple Pay that work elsewhere, the contactless reader may need to be calibrated or reset at that specific Arby’s store location. Notify the staff for assistance.

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