How to Use Apple Pay at Target (Guide & Helpful Tips)

how to use apple pay at target

Target is a big-box store with thousands of products, and if you’ve ever wondered how to use Apple Pay at Target, you’re in the right spot. I’ll show you how to do it and everything else you need to know. Here’s a quick breakdown of how to use Apple Pay at Target:

Double-click the side button (If you have an iPhone with Face ID) and glance at your iPhone or enter your passcode. Or, rest your finger on the Home button (if you have an iPhone with Touch ID). Lastly, hold your iPhone near the card reader until it’s done, or tap the screen to choose a different card.

Whether you’re using a self-checkout or a cashier-attended cash register, the process is the same. 

Now that we know how to use Apple Pay at a Target checkout let’s have a closer look at how to set it up in the first place.

How to Setup Apple Pay

Setting up Apple Pay is straightforward and takes only a couple of minutes. Here are the required steps:

  1. Open the Wallet app on your iPhone
  2. Tap the “+” button in the top-right corner of the screen 
  3. Tap Continue on the next screen
  4. Tap Add Card 
  5. Take a photo of your debit or credit card or type-in the details
  6. Enter the card’s expiration date and CVV 
  7. Select Next
  8. Select Agree in the bottom of the T&Cs page
  9. Select Continue 

setting up apple pay

How to use Apple Pay at Target Website

You can use Apple Pay in-store or online. To make a purchase with Apple Pay at the website, select Buy with Apple Pay and use your Touch ID or Face ID.

This naturally works with other websites as well, but you have to use the Safari browser because Chrome and other browsers aren’t supported yet. 

What Payment Options Does Target Accept?

Target stores generally accept a wide variety of payment options as it’s expected from a big-box retailer. The Target checkout registers can process multiple credit cards in one transaction as well. 

Target Stores 

  • Cash: US dollars (Mexican pesos and Canadian dollars in some stores)
  • Mobile Payments like Apple Pay, Google Pay, Samsung Pay, Alipay (in some stores), or any contactless digital wallet
  • Personal and Rebate checks
  • Third-party Credit Cards: Visa, Mastercard, Discover/Novus, American Express, Diner’s Club International, JCB Japanese Credit Bureau, 
  • Debit/ATM, and EBT Cards: US-issued debit/ATM cards. Stores will also accept Canadian debit/ATM cards with an NYCE or an Interac logo paired with the Visa logo
  • Target RedCard, Target App, Target Temporary Slips 
  • 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
  • A Target Corporation gift certificate is good in the issuing country only
  • Merchandise Voucher
  • WIC (Women, Infants, and Children) Program accepted in some stores

paying with apple pay

Target app and 

  • Third-party credit cards: Visa, Mastercard, American Express, Discover/Novus, Target PCard, credit cards from foreign banks
  • Third-party debit cards that are connected with Visa or Mastercard and processed as a credit card
  • Target RedCard, Target GiftCards, Target eGiftCards, and mobile Target GiftCards
  • Third-party gift cards from Visa, Mastercard, American Express, and Discover
  • Installment plans like Afterpay, Affirm, Klarna, PayPal Pay in 4, Sezzle, and Zip
  • PayPal (except for items sold by Target Plus Partners)

To see a more detailed overview of accepted payment options, visit the Target website. 

What Payment Options Target Doesn’t Accept?

target store

Generally, Target doesn’t accept foreign currency or checks. However, depending on the location of a Target store, Mexican pesos or Canadian dollars might be accepted.

Next, Target only accepts money orders as payment on credit accounts. Mall Certificates and Chamber Bucks are generally denied although some stores might accept them. It’s best to check at your Target store beforehand. 

And lastly, all merchant gift cards aren’t accepted at Target stores. With the exception of Starbucks gift cards that you can use at in-store Starbucks.   

What Should You do if Target Declined Your Payment?

In the unfortunate event that Target store or Target website or app declined your payment, don’t panic. It happens all the time and the reasons aren’t always clear as to why it happened. 

Also, don’t be mad at the cashier or sales assistant and even the manager as the card issuers don’t share the reason why the charge didn’t go through with the store employees. It’s to protect your privacy. 

The best way to resolve the issue is to try paying again and if that doesn’t work, try checking your balance or calling your bank or card issuer. 

If you have a Target Credit Card or Target Mastercard, call the Target Card Services at 1-800-424-6888. For Target Debit Card, contact Target Debit Card Services at 1-888-729-7331. For Target GiftCards, check your balance here or call Target GiftCard Team at 1-800-544-2943.

For issues with PayPal, contact their Customer Service at 1-402-938-3614 or use the Contact Us option at 

If you want to try using a different card at Target website, try it yourself or call 1-800-591-3869 with the following information: 

  • Your order number
  • The name on the card
  • The credit card number, expiration date, and CCV

Where Can You Use Apple Pay with an iPhone?

Not all iPhone models support Apple Pay. The ones that do represent the vast majority of phones though. All iPhone models with Face ID and Touch ID, except iPhone 5s, are compatible with Apple Pay. 

You can use your compatible iPhone to pay:

  • On the web in Safari
  • Inside apps
  • In-store
  • Person to person
  • Paying for transport
  • In Business Chat
  • At some schools with your student ID

Where Can You Use Apple Pay with an iPad?

iPads that support Apple Pay are iPad, iPad Air, iPad Pro, and iPad mini models with Touch ID or Face ID. You can use your iPad to pay:

  • On the web in Safari
  • Inside apps
  • Person to person
  • In Business Chat

Where Can You Use Apple Pay with an Apple Watch?

paying with apple watch

Apple Watch Series 1 and newer models support Apple Pay and you can use this handy option to pay:

  • Inside apps
  • In-store
  • Person to person
  • Paying for transport
  • At some schools with your student ID

READ ALSO: 19 Side Hustle Ideas (How To Make $1,000+ in Extra Income)

Where Can You Use Apple Pay with a Mac?

You can use your compatible Mac to pay:

  • Inside apps
  • On the web in Safari
  • In Business Chat

Mac models that support Apple Pay are:

  • Macs with Touch ID
  • Macs launched in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch
  • Macs with Apple silicon that are paired with a Magic Keyboard with Touch ID


How do I use Apple Pay at self-checkout?

Self-checkout registers are no different than regular ones and you’d use your iPhone or Apple Watch the same way. You just double-click the side button and glance at your iPhone or enter your passcode and hold your iPhone near the card reader until the transaction is finished. 

Are There Fees for Using Apple Pay at Target?

Apple Pay itself won’t incur any fees for using it at Target,, or any store or website for that matter. Any fees that you end up paying are the same fees that you would pay if you’d use your card without Apple Pay. In simpler terms, the fees are associated with your card issuer and not Apple Pay. 

Are There Limits When Using Apple Pay at Target?

There are basically no limits as to how much you can spend at Target with your Apple Pay, in-store or online. 

There is only a limit as to how much you can spend before you have to provide a PIN or signature. The limit is $50 (€50 in Europe) or an equivalent to that sum in most of the world where Apple Pay and contactless payment, in general, are available. 

However, in some countries like Canada, for instance, you won’t be able to spend more than 250 CAD at once. 

READ NEXT: Is Digital Banking The Same As Online Banking? (Explained)


We hope this answers your question on how to set up and use Apple Pay at Target and basically any other store or website. It’s a really convenient way to pay for everything from your groceries to your bills.  

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