Does Sam’s Club Take Apple Pay? (Try This Instead)

A smartphone’s ability to keep a person’s entire life in the palm of their hands has led to over 2 billion people owning a smartphone.

Most smartphone owners use an iPhone and Apple Pay to make purchases quickly and securely. As a retail leader, you may be wondering, does Sam’s Club accept Apple Pay? Here is what I discovered!

Does Sam’s Club Accept Apple Pay?

Unfortunately, Sam’s Club does not accept Apple Pay for in-store or online purchases. Customers can instead use their iPhones to purchase items using the Sam’s Club app, allowing them to pick up curbside or scan items while shopping.

Continue reading to learn about the various features of the Sam’s Club app, as well as what other forms of payment Sam’s Club accepts!

Why Doesn’t Sam’s Club Accept Apple Pay?

Apple Pay is becoming increasingly popular. So, you may be wondering why one of the largest membership warehouse companies does not use this form of payment.

There are a few reasons why Sam’s Club does not accept Apple Pay.

One reason Sam’s Club refuses to accept Apple Pay is due to the high credit card transaction fees. Apple Pay charges a much steeper fee each time the credit card is used in its stores compared to other credit cards.

Another reason Sam’s Club denies Apple Pay is its inability to collect consumer data.

A customer’s data is collected in the Sam’s Club app to make future purchase recommendations, send coupons, and offer personalized notifications.

How To Pay With iPhone At Sam’s Club

How Do You Use The Sam’s Club App?

Just because Sam’s Club does not accept Apple Pay, you can still use your iPhone to purchase items.

With the Sam’s Club app, you can scan items as you shop, order online, and receive an array of membership perks.

Sam’s Club has made it incredibly easy to buy items using your smartphone while simultaneously saving you time. First, download the Sam’s Club app, available for iPhone and Android.

After tapping the ‘Scan & Go’ icon within the app, enter your membership information, and scan your items as you shop.

When you have completed your shopping, pay with your preferred payment method and show the QR code to a Sam’s Club associate on your way out.

Is Downloading The Sam’s Club App Beneficial?

The Sam’s Club app makes your entire shopping experience more efficient and beneficial with the various features included.

For example, when using the Scan & Go feature, you can bypass checkout lines and pay directly from your phone.

The Sam’s Club app also allows you to access your membership benefits and order items for curbside pickup.

Also, to make your curbside pickup experience even easier, the app keeps a record of the things you buy most frequently.

How Do You Use Apple Pay To Buy Items from Sam’s Club?

There is an alternative method to use Apple Pay to purchase things from Sam’s Club. To use Apple Pay at Sam’s Club, you must purchase items through the Instacart app.

Instacart is an innovative (and free) app to purchase grocery items delivered to your front door or picked up in-store.

After selecting all your desired items from Sam’s Club on the Instacart app, you can use Apple Pay at checkout.

What Payment Forms Does Sam’s Club Accept In Stores?

Even though Sam’s Club does not accept Apple Pay as a form of payment, there are several other forms of payment you can use. For example, Sam’s Club accepts:

  • Sam’s Club credit
  • Sam’s Club gift cards
  • Cash
  • Check
  • Debit
  • American Express
  • Mastercard
  • Visa
  • Discover

What Other Stores Accept Apple Pay?

More and more stores are starting to accept Apple Pay both in-stores and online. Additionally, some of the stores that do accept Apple Pay are direct competitors of Sam’s Club.

So, if you want a similar product selection as Sam’s Club while using Apple Pay, here are some other chains that accept Apple Pay:

  • Target
  • Costco
  • Meijer
  • Trader Joe’s
  • ALDI
  • Whole Foods Market
  • Hy-Vee

To learn more, you can also see our related posts on if Dollar General accepts Apple Pay, if Kroger accepts Apple Pay, and also if Walmart accepts Apple Pay.


Although Sam’s Club does not accept Apple Pay, the store accepts other payment forms like MasterCard, American Express, Visa, and Discover.

The Sam’s Club app allows you to use your smartphone to make purchases and track member perks. However, to use Apple Pay to purchase items from Sam’s Club, you will have to use the Instacart app.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

1 thought on “Does Sam’s Club Take Apple Pay? (Try This Instead)”

  1. You should have mentioned that you can buy walmart gcs with apple pay at numerous places equaling “using” apple pay at sams.
    besides, apple pay is not accepted for them pushing walmart pay, it has nothing to do with consumer data.

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