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Does Kroger Take Apple Pay?

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Updated on April 5, 2024 by
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Digitized payment systems have grown remarkably in recent years, with mobile wallets growing by 8 percent between 2017 and 2021. Major retailers are now accepting payment through digital wallets like Apple Pay. Does Kroger do the same?

In this post, we’ll answer your question and provide all the information you need to know about how to pay at Kroger.

Paying with an Apple Pay at Kroger stores is allowed at this time. If you are shopping at Kroger and using Instacart, you can’t use Apple Pay. Kroger does accept payments made using the app. You can also pay with your smartphone using their Kroger Pay app or other popular payment methods, like debit and credit cards.

Kroger began testing Apple Pay in 2014, but it did not succeed, and so the company removed the service from its stores. Kroger has its own payment system that is more efficient than Apple Pay and, therefore, allows retailers to maximize profits.

Does Krogers Accept Apple Pay?

Krogers tried Apple Pay in 2014; however, the retailer wasn’t happy with the system. So, they stopped accepting Apple Pay. In that time, customers were also not comfortable with digital wallets as a payment method.

Instead, they preferred using more traditional payment methods, such as credit or debit cards. However, in 2023, Kroger reintroduced this payment service into its stores again.

What Made Krogers Accept Apple Pay?

There are several reasons that Kroger has reconsidered its stance on Apple Pay, including the following:

Increase in demand: like other retailers, Kroger customers wanted to have the convenience of paying with digital wallets, such as Apple Pay. As of 2023, Kroger allows Apple Pay in some stores, and its subsidiary chain, Fred Meyer.

Younger people prefer digital wallets: another key trend that changed Kroger’s position on Apple Pay is that younger people tend to prefer using digital wallets over traditional payment methods.

Kroger Pay: The retailer also offers its own payment service through its Kroger Pay app. Customers can link the app to their credit/debit cards and digital wallets, which gives them more flexibility and builds customer loyalty. Using this system reduces Kroger’s transaction processing costs.

What are the Benefits of Using Apple Pay?

Apple Pay is not only easy to use, but the payment system also offers the following benefits:

Convenience: the Apple Pay digital wallet has made it so much easier for customers to pay. They no longer need to dig their wallets out to get their debit or credit cards. Instead, Apple Pay’s NFC technology allows them to pay with a simple tap on a payment terminal.

Tracking funds: the digital wallet also makes it easy to track all your payments in the app. This is very useful for anyone who wants to calculate their spending each month. It’s also possible to track payments made through different debit or credit cards. All your expenses can be kept in one place, making it easier to stay on budget.

Online purchases: Apple Pay can also be used to make online purchases. There’s no need to enter all of the credit/debit card’s details. The app takes care of this automatically. Customers save time and energy when making online purchases.

Alternative Ways to Pay in Kroger

Kroger Pay allows you to pay for your items by using your phone. This is a convenient way for you to pay for your groceries. One-time QR codes are generated and need to be scanned at checkout in order to complete the payment process.

It securely combines the information you provide to store your payment with payment data that is stored in your phone to process your payment.

Does Kroger Take Apple Pay?

Kroger accepts all major credit cards, such as American Express, Discover, and Visa. They also accept cash and personal checks. Payments can be made using a variety of different payment methods. Some of the popular methods that Kroger accepts are as follows:


When you buy a Kroger product and want to pay with a SNAP card or EBT card, place your order online and select EBT for pick up. You can pay with your SNAP/EBT card at Kroger stores. Just swipe your card at checkout to complete the transaction.


Pay for groceries with your government-issued WIC card by separating the items you have bought. Not all items are payable with a WIC card. Swipe your credit card to complete the payment and store your order.

If you are not sure whether the items you purchased are eligible to pay for them with a WIC card, ask an attendant or the cashier.


With Afterpay, you can easily pay for your purchase in equal installments, without any additional charges. During checkout, select Pay with Afterpay to pay for your order.

Scan, bag, and go

The Scan Bag Go app lets you scan items in stores and pay at self-checkouts using your Kroger App.

Kroger doesn’t accept Apple Pay, but it does accept a number of other types of payment, both online and in-store. You can pay using your SNAP/EBT card, Kroger Pay, and Scan, Bag, Go technology.

Kroger Pay is fast, secure, and allows customers to control their own loyalty accounts. Kroger Pay works similarly to Apple Pay, using a QR code that allows customers to use their smartphone to access their customer account.

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