DOES SAM'S TAKE APPLE PAY

Last updated: June 20, 2025, 15:27 | Written by: Joseph Lubin

Ever stood in a checkout line, ready to breeze through with a simple tap of your phone, only to be met with a dreaded ""card only"" sign? I think you have a misunderstanding of what s going on. If you call Sam s and ask if they support Apple Pay, you ll find out that they do not accept Apple Pay. You might think it s an Apple Pay (Apple) issue. However, if you dig deeper, you ll find they don t support Google Pay or any of the more secure methods of payment.For Apple Pay enthusiasts, this scenario can be a frustrating reality at certain retailers.Sam's Club, the popular membership-based warehouse club, is one such place where the answer to the question ""does Sam's take Apple Pay?"" isn't as straightforward as you might hope.While the convenience of mobile payments is undeniable, Sam's Club, like its parent company Walmart, has a specific approach to digital wallets. Does Sam s Club accept Apple pay? Sam s Club does not accept Apple Pay in stores. However, they do have an app that you can use to make purchases. The app is available for iPhones and Android phones. The app makes it easy to shop, save, and scan items. It also keeps track of your purchases and sends you personalized notifications.This article dives deep into Sam's Club's payment policies, explaining why Apple Pay isn't directly accepted, exploring available workarounds, and providing alternative payment methods for a smooth shopping experience. Sam s Club needs to get with the times, a disgruntled customer said. Shoppers can pay for items using cash, debit cards, and credit cards. However, customers have been warned that the chain doesn t accept PayPal. Sam s Club is one of a relatively short list of chains that don t accept Apple Pay.We'll also uncover the reasoning behind Sam's Club's decision, explore the future of mobile payments at the retailer, and offer practical tips for navigating the checkout process.Whether you're a loyal Sam's Club member or considering joining, understanding their payment options will enhance your shopping trips.So, let's unravel the complexities and discover the best ways to pay at Sam's Club.

The Short Answer: Sam's Club and Apple Pay

Let's cut right to the chase: No, Sam's Club does not directly accept Apple Pay in its physical stores or online. While many retailers have embraced the convenience of contactless payments, Sam's Club has chosen a different path, primarily favoring its own mobile payment solution and traditional payment methods.

Why Doesn't Sam's Club Accept Apple Pay? Big retailers that do not accept Apple Pay. Dick s Sporting Goods; Hobby Lobby; Home Depot; Kmart; Kroger (You can use Kroger Pay) Sam s Club; Walmart (You can use Walmart Pay) Their Murphy branded gas stations accept Apple Pay. Gordon Food Service; Fashion and style places that accept Apple Pay . Adidas; American Eagle Outfitters; BedUnderstanding the Rationale

The decision not to accept Apple Pay might seem perplexing in an era where mobile payments are increasingly prevalent.However, several factors contribute to Sam's Club's stance:

Transaction Fees: Apple Pay, like other mobile payment systems, charges transaction fees to retailers for each purchase. By only accepting Walmart Pay in its stores, Walmart promotes its own payment app rather than enabling usage of third-party services like Apple Pay. Sam s Club also has its own Scan Go mobile checkout system. However, it does not integrate Apple Pay as a payment method either. Also read Does Instacart Take Apple Pay. How To Use Apple Pay AtThese fees can add up, especially for a high-volume retailer like Sam's Club.
Promoting Proprietary Apps: Sam's Club, similar to Walmart, aims to encourage customers to use its own mobile app, which offers various benefits beyond just payment. Why Does Sam s Club Not Accept Apple Pay? Unfortunately, Apple Pay is not one of the payment forms Sam s Club accepts as of July 2025. But why not? According to some sources, Apple Pay charges especially high transaction fees compared to other companies that offer contactless payments. Sam s Club also does not accept Google Pay.The Sam's Club app includes features like Scan & Go, membership perks, coupons, and discounts. Download the app and learn how it works. For assistance with double charges or authorization holds, contact the Electronic Payments Hotline: . Hotline Hours of Operation: Monday - Friday from 8:00 am 3:30 pm CentralBy prioritizing their app, Sam's Club can gather valuable customer data and personalize the shopping experience.
Customer Data: By steering shoppers toward the Sam's Club app, the company retains control over customer data related to transactions. In either case, Sam s Club does not take EBT cards, Venmo, PayPal, or Apple Pay at its gas stations. Likewise, Sam s Clubs do not take Apple Pay at the gas station . Also, you are not allowed to prepay for gas in the store.This data can be used for targeted marketing, loyalty programs, and overall business optimization.
Efficiency and Control: Limiting accepted payment methods can streamline the checkout process, potentially reducing wait times and simplifying accounting procedures.

Exploring Alternatives: How to Use Apple Pay at Sam's Club (Indirectly)

While a direct tap-to-pay experience isn't available, there are a few workarounds for Apple Pay users who want to shop at Sam's Club:

Instacart Delivery

One popular option is to use Instacart for Sam's Club deliveries.Instacart often accepts Apple Pay as a payment method within its app, allowing you to indirectly use Apple Pay for your Sam's Club purchases.Simply select Sam's Club as your store, add items to your cart, and proceed to checkout within the Instacart app, choosing Apple Pay as your payment option.

Linking Your Sam's Club Mastercard

You can add your Sam's Club Mastercard (issued by Synchrony) to your Apple Wallet.Although you can't directly use Apple Pay *at* Sam's Club, having your card stored in your Wallet allows for convenient online purchases elsewhere where Apple Pay *is* accepted. Mobile Payment Options: Sam s Pay (Sam s Club s own mobile payment platform) is the preferred mobile wallet option. Other mobile wallets like Apple Pay and Google Pay can be used if they are linked to a Mastercard or Discover card.This isn't a direct solution for in-store use, but it centralizes your card information in one place.

Accepted Payment Methods at Sam's Club: A Comprehensive List

Knowing the accepted payment methods at Sam's Club is crucial for a hassle-free shopping trip. If you re planning to visit a Sam s Club location, you can explore the available payment methods beforehand. Visit the Sam s Club locations page to find a store near you and confirm the payment options they accept. Final Thoughts. While Sam s Club does not take Apple Pay, there are still many convenient ways to pay for your purchases.Here's a detailed overview:

Credit Cards: Sam's Club accepts all major credit cards drawn from U.S.-based accounts, including Visa, Mastercard, Discover, and American Express.Keep in mind that international credit cards are generally not accepted in-store or online.
Debit Cards: Debit cards bearing the Visa or Mastercard logo are accepted.
Sam's Club Credit Card: The Sam's Club Mastercard offers additional benefits and rewards for members.
Cash: Traditional cash payments are still accepted at the checkout.
Checks: While less common, personal checks might be accepted under certain circumstances and with proper identification. Additionally, you can find more details here: If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support. Contact your card issuer to see if they support Apple Pay. We hope this information is helpful. Cheers.It's always best to confirm with your local Sam's Club beforehand.
Sam's Club Gift Cards: Gift cards are a convenient way to pay, especially if you've received one as a present.
Scan & Go (Sam's Club App): This mobile checkout system allows you to scan items as you shop and pay directly through the app using a linked credit or debit card.

Diving Deeper: Using the Sam's Club Scan & Go Feature

The Scan & Go feature in the Sam's Club app is a game-changer for avoiding checkout lines. Walmart does not accept Apple Pay, but Target does. Here are the big box retailers who accept Apple Pay: Best Buy Costco Office Depot Staples TargetHere's how it works:

Download the App: Download the Sam's Club app from the App Store (iOS) or Google Play Store (Android).
Sign In: Sign in to the app using your Sam's Club membership credentials.
Scan Items: As you shop, use the app to scan the barcode of each item you place in your cart.
Review Your Cart: Once you're finished shopping, review your cart to ensure all items are accounted for.
Pay in the App: Select your preferred payment method (linked credit or debit card) and complete the purchase within the app.
Show Your E-Receipt: Upon exiting the store, show your e-receipt to the designated employee at the Scan & Go exit.

Sam's Club Gas Stations and Payment Options

Sam's Club gas stations offer competitive fuel prices, making them a popular stop for members. No. Based on our last check on J, Sam's Club was not accepting Apple Pay Later financing. Check the full discussion for updated information. Does Sam's Club accept Shop Pay Installments?While Apple Pay isn't directly accepted at the pump, you can use the Sam's Club app or insert a credit/debit card.

Sam's Club App: Some locations might allow payment through the app at the pump.Check the specific gas station's capabilities.
Credit/Debit Card: Standard credit and debit cards are widely accepted at the pump.
Cash: You cannot prepay with cash inside the store for gas purchases.

The Future of Mobile Payments at Sam's Club

While Sam's Club currently doesn't support Apple Pay, the landscape of mobile payments is constantly evolving.It's possible that Sam's Club might reconsider its stance in the future, especially if customer demand increases significantly, or if the competitive landscape shifts. The short answer is no, Sam s Club does not directly accept Apple Pay in its physical stores. However, there s a twist. While you can t tap your iPhone at the checkout counter in most instances, there are still ways to leverage the power of Apple Pay within the Sam s Club ecosystem.The increasing adoption of contactless payments and the growing popularity of mobile wallets could eventually pressure Sam's Club to integrate Apple Pay and similar services to stay competitive and cater to customer preferences. With the ability to access information and communication from a single device, has turned the way we communicate.As a retailer, Sam's Club accepts Apple Pay and allows you to make purchases quickly and securely from the palm of your hand. In this video, I show you that Apple Pay works with Sam's Club.Does Sam s ClubIt's a waiting game to see what the future holds.

Troubleshooting Payment Issues at Sam's Club

Encountering payment issues can be frustrating.Here are some common problems and potential solutions:

Card Not Accepted: Ensure your credit or debit card is valid, not expired, and has sufficient funds. It s crazy that tap to pay is still a novelty in the US. It would be easier to compile a list of stores that don t accept tap in Canada. I actually can t remember the last time I ve had to insert my card to pay somewhere.If the issue persists, contact your bank or credit card company.
Scan & Go Errors: If you encounter errors with the Scan & Go feature, try restarting the app or ensuring you have a stable internet connection.If the problem continues, seek assistance from a Sam's Club employee.
Double Charges or Authorization Holds: For assistance with double charges or authorization holds, contact the Electronic Payments Hotline provided by Sam's Club.
Membership Issues: Verify that your Sam's Club membership is active and in good standing.

Frequently Asked Questions About Sam's Club and Apple Pay

Does Sam's Club Accept Apple Pay Online?

No, Sam's Club does not accept Apple Pay for online purchases directly through their website or app.

Can I Use Apple Cash at Sam's Club?

Since Sam's Club doesn't accept Apple Pay, you cannot directly use Apple Cash either.However, if you have an Apple Cash card, you might be able to add it to your Apple Wallet and use it indirectly through Instacart if Instacart accepts Apple Pay.

Does Sam's Club Accept Other Mobile Wallets Like Google Pay or Samsung Pay?

No, Sam's Club generally does not accept Google Pay or Samsung Pay in its stores or online.The focus is primarily on credit/debit cards, cash, and their proprietary Scan & Go app.

Why is Tap to Pay Not More Common in the US?

While tap-to-pay technology is widely adopted in many countries, the US has been slower to embrace it. Contactless Payments: Sam s Club accepts contactless payments through services such as Apple Pay, Google Pay, and Samsung Pay. These payment methods allow you to make purchases by simply tapping your compatible mobile device or smartwatch at the payment terminal.This is due to a combination of factors, including the existing infrastructure for traditional card payments, concerns about security, and the fragmentation of the payment landscape. Just an interesting observation. I was able to add my Sam's Club MasterCard (Synchrony) and Walmart MasterCard (CapitalOne) to Google Pay, but they are still not supported for use with Apple Pay. I realize neither store supports Apple Pay or Google Pay in-store, but both cards are standard MasterCards that can be used elsewhere.However, tap-to-pay is becoming increasingly prevalent in the US as more retailers upgrade their systems and consumers demand greater convenience.

Is It Possible to Use My Sam's Club Mastercard with Apple Pay at Other Stores?

Yes, absolutely!Even though Sam's Club itself doesn't accept Apple Pay, your Sam's Club Mastercard (issued by Synchrony) is a standard Mastercard. See full list on sbxl.comThis means you can add it to your Apple Wallet and use it anywhere else that accepts Apple Pay. Does Sam s Club Accept Apple Pay? Unfortunately, Sam s Club does not currently accept Apple Pay in-store or online. According to a customer service representative, there are no immediate plans for Sam s Club to adopt Apple Pay as a payment method. While it may come as a disappointment for Apple Pay enthusiasts, Sam s Club does offerSo, enjoy the convenience of Apple Pay everywhere else you shop!

Tips for a Smooth Shopping Experience at Sam's Club

Here are some practical tips to enhance your Sam's Club shopping trips:

Plan Ahead: Check the accepted payment methods before heading to the store.
Download the Sam's Club App: The app offers numerous benefits, including Scan & Go, coupons, and membership management.
Consider Instacart: If you prefer using Apple Pay, Instacart is a viable option for Sam's Club deliveries.
Keep Your Membership Card Handy: Ensure you have your physical or digital membership card readily available.
Be Aware of Store Policies: Familiarize yourself with Sam's Club's policies regarding returns, exchanges, and other customer service matters.

Conclusion: Navigating Payments at Sam's Club in 2024

While the answer to ""does Sam's take Apple Pay?"" remains a firm no for direct transactions, understanding the available payment options and workarounds can significantly improve your shopping experience.Sam's Club prioritizes its own mobile app and traditional payment methods for strategic reasons, but the evolving payment landscape might influence future decisions. The Google Wallet app launched in 2025, while Samsung Pay and Apple Pay debuted in 2025. In 2025, Google merged Wallet with Android Pay into a new app called Google Pay, then renamed Google Pay toBy leveraging the Scan & Go feature, considering Instacart deliveries, and knowing the accepted payment methods, you can navigate the checkout process with ease. However, the store does not currently accept Apple Pay. Sam s Club does, however, offer its own mobile payment service called Scan Go. This feature allows you to scan items with your phone as you shop and then pay for your purchases through the app when you re ready to check out. Does Sam s Club accept Apple Pay? UnfortunatelySo, embrace the tips and insights shared in this guide to make the most of your Sam's Club membership.And who knows, maybe one day we will see Apple Pay directly accepted, but for now, use these helpful options to pay your way. We would like to show you a description here but the site won t allow us.Happy shopping!