Does Amazon Take Apple Pay? A Concise Analysis

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By Jacob Maslow

As technology continues to evolve, more and more people are using digital wallet services like Apple Pay to make online and in-store purchases. One question that many consumers have is whether or not Amazon, the world’s largest online retailer, accepts Apple Pay as a form of payment.

Amazon, known for its wide range of products and convenient shopping experience, has revolutionized online shopping. With numerous payment options available, consumers must know which methods are accepted to ensure smooth and efficient transactions.

Although Apple Pay has gained significant traction in the market and is accepted at many major retailers, it is important to examine Amazon’s payment policies to determine if this digital wallet service is a compatible payment method on its platform. This article will explore the current state of Amazon’s payment options and whether Apple Pay is included.

Apple Pay and Amazon

Although Apple Pay and Amazon are popular payment options and platforms for online shopping, they have not always been compatible.

Compatibility and Usage

Previously, Amazon did not accept Apple Pay as a payment method for purchases on its platform. However, in recent years, some Amazon services have started to accept Apple Pay. For example, Whole Foods Market, an Amazon-owned supermarket chain, accepts Apple Pay payments in-store.

There have also been instances of limited compatibility between Amazon and Apple Pay. Amazon Cash, a service that lets you load cash into your account, works with Apple Pay at select partner stores. Amazon’s mobile app also supports using Apple Pay for certain transactions, such as purchasing gift cards.

To use Apple Pay with Amazon Cash, follow these steps:

  • Open your Amazon app and select ‘Amazon Cash’
  • Choose ‘Add Cash’ and enter the amount you want to add
  • Select ‘Pay with Apple Pay’ as the payment method
  • Complete the transaction by authenticating with Face ID, Touch ID, or your Apple Pay passcode

Reasons for Unavailability

Despite Apple Pay’s and Amazon’s growing compatibility, the online shopping giant has not fully embraced Apple Pay for direct payments during checkout. There could be several reasons for this:

  1. Competition with Amazon Pay: Amazon has its payment solution, Amazon Pay, which it may want to promote over Apple Pay.
  2. Transaction fees: Amazon may be deterred by Apple Pay’s transaction fees, as accepting this payment method could result in higher costs for the company.
  3. Control over customer data: By not implementing Apple Pay, Amazon can maintain more control over customer data generated during transactions, which can benefit marketing and sales analysis purposes.

Currently, the full compatibility between Amazon and Apple Pay remains limited. However, monitoring any changes in payment policies and options is essential as technology and consumer preferences evolve.

Workarounds and Alternatives

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While Amazon does not accept Apple Pay directly, some workarounds and alternatives can help users shop on Amazon with their preferred digital wallet.

Amazon Pay

One viable workaround would be to use the Amazon Pay service. This digital wallet service by Amazon enables customers to use their existing Amazon account to pay for purchases on other websites, similar to services such as Apple Pay, Masterpass, and Visa Checkout. By connecting the same payment method in the Apple Pay wallet to Amazon Pay, users can ensure a seamless payment experience across various vendors who accept Amazon Pay.

Masterpass and Visa Checkout

Masterpass and Visa Checkout are two other options for digital wallet users who want a convenient shopping experience on Amazon. Like Amazon Pay, these digital wallet services allow customers to pay with their existing payment methods on various vendors’ websites, adding to the overall ease of online shopping.


  • Payment information is securely stored within the digital wallet service.
  • Reduced need to provide payment information multiple times across various websites.
  • Streamlined checkout experience for users.


  • Customers must set up an account with the chosen digital wallet service.
  • Not all vendors accept every digital wallet solution.

In summary, though Amazon does not support Apple Pay directly, users can still find convenient alternatives through services like Amazon Pay, Masterpass, and Visa Checkout. These digital wallet services offer similar ease of use and security benefits, helping customers have a streamlined shopping experience on Amazon and other participating vendors’ websites.

Security and Advantages of Apple Pay

Apple Pay provides users a secure and convenient payment system, protecting sensitive information through unique security features. This digital wallet streamlines the payment process and offers noteworthy benefits by harnessing the power of the iPhone, Mac, and other Apple devices.

Face ID and Touch ID

Two key security features incorporated into Apple Pay are Face ID and Touch ID. These biometric authentication methods confirm the user’s identity before processing a payment. Face ID relies on facial recognition technology, while Touch ID uses fingerprint recognition.

By using these advanced authentication techniques, Apple Pay safeguards transactions and ensures that only authorized users can pay. This level of security prevents fraud and significantly lowers the risk of unauthorized access to the consumer’s financial information.

Contactless Payments

Contactless payments have become increasingly popular, and Apple Pay fully embraces this trend. By allowing users to make contactless payments through their iPhone or Apple Watch, Apple Pay simplifies the payment process and minimizes contact with physical payment terminals.

The convenience of contactless payments extends to online purchases as well. Users can employ Apple Pay to complete transactions on their Mac or other Apple devices, streamlining the checkout process for a smoother online shopping experience.

Furthermore, a unique Device Account Number is assigned and encrypted when using Apple Pay for contactless payments, keeping the user’s actual card details secure. This additional level of security reaffirms Apple Pay’s commitment to protecting user data and maintaining privacy.

Using Apple Pay with Supported Stores

Apple Pay is accepted by numerous stores and retailers, allowing customers to make quick and secure payments through their iPhones or Apple Watches. In this section, we will discuss some of the prominent stores that accept Apple Pay, along with a few other retailers where you can use this payment method.

Supported Stores and Retailers

Many popular and well-known stores accept Apple Pay as a convenient payment option. Some of these major retailers include:

  • Whole Foods
  • Acme Markets
  • LEGO
  • Office Depot
  • Staples
  • Target
  • Ulta Beauty
  • Walgreens
  • Walmart
  • Disney Store
  • Foot Locker
  • Marketplace

These stores make it easier for customers to pay with Apple Pay, enhancing the overall shopping experience.

Best Buy

Best Buy is a well-established and popular store chain with various electronics and appliances. They accept Apple Pay, which enables customers to make quick and secure payments while shopping for their preferred gadgets.

Trader Joe’s and More

Trader Joe’s, a renowned grocery store chain, also accepts Apple Pay at checkouts. This helps provide a seamless payment experience for customers. Besides Trader Joe’s, several other grocery stores and supermarkets, such as Whole Foods and Acme Markets, support Apple Pay.

Adding Payment Methods to Apple Pay

Apple Pay is a convenient mobile payment system that allows users to purchase online and in-store using their iOS devices. This section will discuss how to add various payment methods to Apple Pay, covering credit and debit cards, FSA, HSA, and EBT cards, as well as participating banks and card issuers.

Credit and Debit Cards

Adding credit and debit cards to your Apple Wallet is a simple process. To begin, open the Wallet app on your iOS device and tap the plus icon in the top right corner. Follow the on-screen instructions to manually add your card information or scan your card using the device’s camera. Apple Pay supports major card issuers, including American Express, Visa, and Mastercard. Once your card information is verified, it will be added to Apple Wallet and used for transactions with Apple Pay.

FSA, HSA, and EBT Cards

Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), and Electronic Benefits Transfer (EBT) cards can also be added to Apple Pay, although not all providers support this feature. To add your FSA, HSA, or EBT card to your Apple Wallet, follow the same steps as adding credit and debit cards. If your card is eligible and the issuer supports Apple Pay, it will be added to your Wallet and ready for use.

Participating Banks and Card Issuers

Apple Pay works with most credit and debit cards from top banks and issuers. The list of participating banks and issuers is constantly expanding. Please visit the official Apple Pay-supported banks webpage for an up-to-date list of supported banks and card issuers.

While Amazon does not accept Apple Pay as a direct payment method, you can still use your Apple Pay-linked cards through your account. Additionally, if you shop at Whole Foods Market, which Amazon owns, you can use Apple Pay for in-store purchases.

Amazon Payment Services

Amazon Payment Services is a comprehensive service suite designed to serve customers and merchants. The platform enables customers to pay for their purchases using various payment methods, while merchants benefit from a streamlined and secure transaction process. This section covers the essential aspects of Amazon Payment Services, including charges and the supported providers.

Fees and Charges

Amazon Payment Services imposes various fees for the services it offers to merchants. These fees depend on the type of transaction and are designed to cater to different businesses needs. Some of the fees associated with using Amazon Payment Services include:

  • Transaction fees: a percentage of the transaction amount is charged, which varies depending on the merchant’s monthly sales volume and the specific payment service used.
  • Chargeback fees: merchants may incur a fee if a customer requests a chargeback for a purchase made using Amazon Payment Services.
  • Refund fees: if a refund is issued to the customer, the merchant may be responsible for paying a small fee back to Amazon Payment Services.

Merchants must familiarize themselves with the fee structure associated with Amazon Payment Services, as it can impact their profitability and the cost of shipping items to customers.

Supported Providers

Amazon Payment Services supports many payment providers to make online shopping as convenient for customers. Some of the most popular payment providers supported by Amazon Payment Services include:

  • Major credit and debit cards include Visa, Mastercard, and American Express.
  • Bank-based payment methods, including direct debit and online banking transfers.
  • Mobile wallets like Apple Pay, Google Pay, and Samsung Pay.

By offering support for a diverse range of payment providers, Amazon Payment Services increases the likelihood that customers can complete their purchases quickly and easily, leading to a better overall shopping experience for the end-user.



Question Answer
Does Amazon accept Apple Pay? As of now, Amazon does not directly accept Apple Pay as a payment method. However, some alternative ways to use Apple Pay for Amazon purchases may be possible.
Can I use Apple Pay with an Amazon-branded credit card? Yes, if you have an Amazon-branded credit card and have added it to your Apple Wallet, you can use Apple Pay at any location that accepts it. However, this doesn’t apply to Amazon’s online marketplace.
Are there any workarounds to use Apple Pay on Amazon? While not a direct solution, one possible way to use Apple Pay indirectly on Amazon is by purchasing eGift cards from retailers that accept Apple Pay and then using those gift cards on Amazon.
Could Amazon potentially start accepting Apple Pay in the future? There is always a chance that Amazon may decide to accept Apple Pay in the future, but as of now, they have not made any official statements or announcements confirming this.

Remember that while Amazon may not directly accept Apple Pay, many other payment options are available to users, including credit cards, debit cards, gift cards, and Amazon Pay.

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