Does Kroger take Apple Pay?

Apple Pay is a mobile payment system that allows users to make payments in stores using their Apple devices. It provides an easy, secure and private way to pay. As one of the largest supermarket chains in the country, many shoppers wonder if Kroger takes Apple Pay.

Does Kroger take Apple Pay?


How Apple Pay Works at Kroger

All Kroger-owned stores accept Apple Pay. This includes Kroger, Ralphs, Fred Meyer, King Soopers, Fry’s, Smith’s Food and Drug, Dillons Food Stores, Gerbes Super Markets, Pay Less Super Markets, Baker’s, Owen’s, Jay C Food Stores, Hilander, and City Market stores.

To use Apple Pay at participating Kroger locations, simply hold your iPhone or Apple Watch near the contactless reader terminal when you’re ready to pay. A subtle vibration and beep will confirm when your payment is complete. There is no need to open apps, show your credit or debit card, or sign receipts to make the payment.

Setting Up Apple Pay

To use Apple Pay, you’ll need an iPhone 6 or later model. An Apple Watch is also compatible. These devices contain the required NFC (Near Field Communication) chip to enable contactless payments. You’ll also need to save a valid credit, debit, or prepaid card in your device’s Wallet app.

Set up is quick and easy:

  • Open the Wallet app on your iPhone
  • Tap the “+” icon to add a card
  • Use your device camera to capture your card details or enter them manually
  • Follow the prompts to verify your card and confirm details
  • Your card will start working immediately with Apple Pay

You can add multiple bank cards and switch between them at checkout. Only the device needs to be set up, not individual cards.

Advantages of Using Apple Pay at Kroger

There are many good reasons to pay with your iPhone or Apple Watch at Kroger stores rather than using cash, physical payment cards or loyalty cards:

It’s Secure

Every Apple Pay transaction generates a unique, one-time security code so your card details stay safe and private. You no longer need to worry about your card details being stolen or skimmed at checkout.

It’s Fast

There’s no more fumbling to find your wallet at the cash register. A quick glance at your watch or double click of your iPhone side button is all it takes to pay and go. This is perfect when doing big shops with lots going through the register.

It’s Convenient

You’ll always have at least one payment method on hand as long as your Apple device is charged. No more realizing at checkout that you’ve forgotten your cards or cash at home. Apple Pay works the same across all stores so there’s nothing new to learn.

Get Rewards

Apple Pay doesn’t affect any existing rewards programs or store credit cards you have. You’ll continue earning fuel points the same as when using your plastic Kroger loyalty card.

Easy Budgeting

All Apple Pay transactions appear clearly in your Wallet app history. You can see what you’ve spent, where items were purchased and check if there are any unknown charges on your account.

Getting the Best Rewards with Kroger and Apple Pay

While Apple Pay doesn’t directly affect Kroger rewards, there are still ways to maximize points, discounts and fuel savings when using mobile payment:

  • Make sure to scan your Kroger Plus loyalty card at checkout, either by using the Kroger app barcode or your physical card. This ensures every Apple Pay transaction is linked to your loyalty account.
  • Check for additional coupons and personalized offers in the Kroger app before shopping. These can be automatically applied to your bill when you pay.
  • Look out for boosted fuel point promotions which offer extra points on gift cards purchased in-store. Paying with Apple Pay means you earn the bonus points without having to pre-pay for groceries.
  • Achieve higher rewards tiers to unlock additional percent-off coupons and offers. Consistently shopping and checking-in with Apple Pay helps grow your lifetime loyalty points.
  • Enroll in a Kroger credit card and have it set as the default card. You’ll earn extra points for Apple Pay purchases while building towards your next credit card reward too.

By taking advantage of Kroger loyalty schemes and offers, Apple Pay becomes an even more rewarding way to pay both in-store and when using Kroger Delivery or Clicklist.

Apple Pay Purchasing Limits at Kroger

All Kroger stores have a contactless transaction limit in line with regular credit and debit card spending caps. Currently, you can use Apple Pay for single transactions of up to $500. For amounts exceeding this threshold, you’ll need to use an alternative payment method or split your purchase across two Apple Pay transactions.

When using Apple Pay with Kroger Delivery and Click List services for the first time, your transaction may be temporarily capped at around $125 for your first few orders. This limit will be removed once a successful payment history has been established.

Troubleshooting Apple Pay Issues at Kroger

Apple Pay is designed to provide a seamless, trouble-free payment experience. However, there can occasionally be technical issues that prevent a successful checkout. Some troubleshooting tips include:

  • Ensure your iPhone has battery charge and an internet connection at the checkout terminal. This allows it to securely process the Apple Pay token.
  • Check your cards have not expired and don’t have holds for suspected fraud. Outdated details lead to declined Apple Pay transactions.
  • Try holding your iPhone closer, or directly against the card reader rather than further away. The NFC signal has a very short range.
  • Test adding another card if your main one fails. This determines whether it is an isolated card issue or an iPhone connectivity problem.
  • Turn off and restart your iPhone before trying again. This often fixes temporary system and connectivity glitches.
  • Check with the cashier if there are known problems with that store’s checkout terminals before trying other registers. This saves wasted time troubleshooting.

As a last resort, pay with another card or cash if possible while Apple support addresses what is preventing Apple Pay from working. Make sure to get receipts to help diagnose where the issue originates.

An Apple Pay Checkout Step-By-Step Guide for Kroger Stores

Wondering what an Apple Pay transaction looks like in real life? Here is a step-by-step overview when paying with iPhone:

  1. Finish Shopping: Take everything you want to purchase to the register when you’re done. Let the cashier scan all the barcodes.
  2. Present Baskets/Carts for Inspection: Place any bags, baskets or carts near the register for staff to inspect if required by store policy.
  3. Scan Loyalty Card: Don’t forget to scan your Kroger Plus card, altID or app barcode so your points and offers get applied.
  4. Get Total: The cashier will let you know the total amount to pay. Say you’ll be paying with Apple Pay so they activate the contactless reader.
  5. Double Click iPhone Side Button: Quickly double click the side button on your iPhone when prompted to pay (not the home button).
  6. Authenticate with Face ID: Use Face ID or Touch ID to prove your identity for security purposes.
  7. Hold to Reader: Immediately hold the top third section of your iPhone near the flashing contactless logo on the payment terminal.
  8. Wait for Vibration: Leave your iPhone in place until a subtle vibration and beep signals the successful Apple Pay authorization.
  9. Show Receipts: The cashier may ask to visually check any digital or paper receipts if applicable. This completes the mobile payment.

And that’s all there is to it! Just grab your grocery bags and go. Apple Pay helps speed up the checkout process so you can get home to enjoy your purchases sooner.

Key Takeaways

  • All Kroger stores accept Apple Pay nationwide at eligible checkout lanes
  • iPhone and Apple Watch contain NFC chips to enable contactless payments in stores
  • Customers continue earning loyalty points, coupons and fuel savings when using Apple Pay
  • Every Apple Pay transaction is secured with unique one-time dynamic security codes
  • Follow prompts on your iPhone screen and hold near card readers to pay instantly
  • Token limits prevent large individual Apple Pay purchases exceeding $500
  • Troubleshoot issues by restarting devices, adding different cards, moving phone closer to terminals
  • Double click then authenticate with Face ID when the cashier prompts you to pay


In summary, Kroger proudly accepts Apple Pay across all store banners to provide maximum checkout convenience. Over 3,700 grocery locations now support contactless iPhone and Apple Watch payments for fast yet secure transactions.

Existing Kroger Plus members can continue enjoying everyday rewards like fuel points, coupons and special offers when paying with Apple devices instead of physical cards. Technical failures are also rare given Apple Pay’s robust tokenized protection.

So next time you shop at Kroger or its subsidiary chains like Ralphs, Fred Meyer and Fry’s Food, consider tapping your iPhone on the contactless readers to experience seamless checkout using Apple Pay. Just glance for the flashing contactless logo when the cashier gives you the total due and you’ll be on your way in seconds.

Frequently Asked Questions About Using Apple Pay at Kroger

  1. Does Kroger take Apple Pay and Google Pay?
    Yes, Kroger accepts contactless payments from both Apple Pay and Google Pay. iPhone, Apple Watch, Android phones and Wear OS devices all work.
  2. Do I still get Kroger fuel points if I use Apple Pay?
    Yes, you earn Kroger Plus points, discounts and rewards as normal when using Apple Pay if your loyalty card is scanned at checkout.
  3. Is Apple Pay free to use at Kroger?
    Apple Pay transactions are free and do not incur any fees from Kroger. Individual banks may charge cash advance rates depending on your card.
  4. Can I use Apple Pay at Kroger self-checkout?
    Most Kroger stores now accept Apple Pay at self-checkout stations for fast, card-free payments. Staff can advise which self-checkout lanes support contactless.
  5. Does Apple Pay work with Kroger Click list or Delivery?
    Kroger enables Apple Pay transactions with Click list online orders for quick curbside groceries. Simply select Apple Pay at checkout after shopping via
  6. What is my Apple Pay limit at Kroger?
    Individual Apple Pay transactions are capped at $500 by Kroger payment systems, in line with regular contactless card spending limits.
  7. How do I add my Kroger loyalty card to Apple Wallet?
    Unfortunately Kroger does not directly integrate with Apple Wallet. You still need to present your physical Kroger Plus card or app barcode for scanning during Apple Pay purchases.
  8. Why is my Apple Pay not working at Kroger?
    If Apple Pay fails, first try restarting your device or adding another card. Also check for declined transactions with your bank in case the issue originates on their network.
  9. Can I use Apple Pay at Fred Meyer, Ralphs or other Kroger stores?
    Yes, all stores owned by Kroger including Fred Meyer, Ralphs, King Soopers and more have active Apple Pay integrations for iPhone and Apple Watch.
  10. Is Apple Pay secure for grocery shopping?
    Apple Pay transactions use unique tokenized encryption for each purchase, meaning your actual card details are never shared or accessible in the event of a data breach.
  11. Do I need to unlock my iPhone to use Apple Pay at Kroger?
    No, you can double click the side button on locked iPhones to bring up Apple Pay authentication. Face ID then verifies it’s really you.
  12. What types of cards can I add to Apple Pay for Kroger?
    Most credit, debit, store cards and prepaid cards from major issuers can be added to Apple Pay for payments at Kroger stores accepting contactless.
  13. Does Apple Pay work if my iPhone battery dies?
    Apple Pay requires power and internet connectivity to securely tokenize transactions, so it will not work on iPhones with discharged batteries.
  14. Can I store Kroger gift cards on Apple Pay?
    At this time, Kroger does not offer virtual gift cards in Apple Wallet. Physical gift cards must be presented for scanning during Apple Pay checkouts.
  15. Is Apple Pay quicker than using cards at Kroger?
    Yes, Apple Pay allows grabbing groceries and going without dipping, swiping or entering pins. Transactions take seconds by briefly placing your iPhone near payment terminals.
  16. Do I need a Kroger account to use Apple Pay?
    A Kroger Plus account is not strictly required, but highly recommended to earn points, fuel savings and additional offers when shopping with Apple Pay activated iPhones.
  17. What models and devices support Apple Pay at Kroger?
    Apple Pay works on iPhone 6 devices and newer. All models of Apple Watch also support contactless payments for Kroger store purchases.
  18. Can minors use Apple Pay at Kroger?
    As long as Apple Pay is set up properly on an iPhone or Apple Watch, there are no age restrictions on using it to transact at Kroger store locations.
  19. Does Apple Pay work at self checkout?
    Yes, Kroger has enabled Apple Pay payments at self-service checkouts for fast ring-up without needing cards at many store locations. Availability varies by location.
  20. Is Apple Pay cheaper than using plastic cards?
    Apple Pay generally does not impact pricing or provide discounts. However it saves time and allows grabbing deals faster while avoiding potential card skimming or cloning fraud.

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