Does Kroger Take Apple Pay? (Alternatives Included)

According to Statista, digital payments have grown remarkably in recent years, with mobile wallets increasing by 8 percent between 2017 and 2021.

Most major retailers and stores have adopted digital wallets like Apple Pay as a form of payment. So, does Kroger accept Apple Pay?

In this post, we’ll answer this question and address all you need to know about making payments at Kroger.

Does Kroger Accept Apple Pay?

Unfortunately, Kroger does not accept Apple Pay in any of its stores at this time.

kroger apply pay

Does Kroger Take Instacart Apple Pay?

When shopping at Kroger through Instacart, you cannot use Apple Pay. Kroger does not accept payment through the app. Instead, you can pay through their Kroger Pay app or use other forms of payment on Instacart like debit and credit cards.

When Will Kroger Accept Apple Pay?

Unfortunately, there is no timeline for when Kroger will take Apple Pay as a mode of payment in their stores. As an alternative, Kroger introduced Kroger Pay, a convenient, digital payment option for all its customers.

Kroger Pay users can pay with their iPhones at self-checkouts and registers, enabling faster check-out times. Kroger accepts all payments: debit, credit cards, Amex, checks, and cash.

Why Does Kroger Not Take Apple Pay?

In 2020, Kroger began experimenting with Apple Pay. After the trial, Kroger reported no customer interest in Apple Pay and discontinued its use.

Kroger also has its own payments system called Kroger Pay which is cheaper to operate than Apple Pay, therefore, maximizing profits.

How Can You Still Use Your Phone to Pay at Kroger?

While shopping at Kroger, Kroger Pay allows you to use your phone as a convenient mobile payment solution. It generates a one-time quick response (QR) code that is scanned at check-out to complete the payment process.

During check-out, you need to scan the QR code with your phone and transmit the payment information to the PIN pad at the store. The system securely combines that information with payment data stored on your phone to process your payment.

Other Payments Modes Accepted at Kroger

Kroger accepts all major credit cards, including American Express, Discover, MasterCard, and Visa. It also accepts cash payments and personal checks. Other forms of payment accepted at Kroger include;


To use your SNAP/EBT card, place your pickup order online via your Kroger app. Ensure you select “EBT at pickup.” Once you receive your order, swipe your EBT card to complete the transaction.


To pay via WIC card, separate all the WIC-approved goods you have bought (not all items are payable via a WIC card). Swipe your card to complete the transaction.

Note: If unsure whether the items you bought are eligible to pay via a WIC card, confirm with the attendant or cashier.


With Afterpay, you can pay for your order in installments without incurring any extra cost. At check-out, choose Afterpay as your mode of payment to complete your order.

Scan, Bag, Go 

The Scan Bag Go app allows you to scan items as you shop and pay at a self-checkout station using the Kroger App.


Can you use Apple Pay on the Kroger App?

Kroger does not accept Apple Pay at its stores. Instead, customers can use their in-house app called Kroger Pay to pay wirelessly at self-checkouts and registers.

Can you use Apple Pay at a Kroger gas station?

You can’t use Apple Pay at Kroger gas stations. Kroger Pay, which uses your phone’s near-field communication (Near Field Communication) NFC chip, replaces Apple Pay at gas stations or pharmacies.

Can you use contactless pay with your phone at Kroger?

Kroger has multiple contactless payment methods, including the Scan, Bag, Go app. The app makes it easy for customers to scan their groceries and pay through the Kroger app.


Even though Kroger doesn’t accept Apple Pay, it offers a variety of payment options to use online and in the store. You can pay with SNAP/EBT cards, Kroger Pay, and Scan, Bag, Go technology.

Kroger Pay is fast, secure, and puts customers in control of their loyalty account. It works like Apple Pay and functions through a QR code that connects payment information to a customer’s loyalty account.

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