Does Kroger Take Apple Pay In 2022? [Detailed Answer]

Cashless payments have been quite the thing for a while now, and Apple Pay has been ahead in this race of these payments! On the other hand, Kroger is already ahead in the race of providing its customers with the best of products but is now getting ahead in operating according to its customer’s convenience as well! But the main question is, does Kroger accept Apple Pay at its locations? Let’s find out!


Kroger doesn’t accept Apple Pay as a valid mode of payment at its stores. This chain doesn’t allow its customers to make payments using Apple Pay. While Apple Pay isn’t a payment option at Kroger’s, other payment options like WIC, SNAP/EBT, Kroger Pay, Afterpay, etc., can be used by customers to make their payments at Kroger!

Kroger is an American retail company that further operates a chain of supermarkets and stores. Founded in 1883, this chain has its headquarters in Cincinnati, Ohio. Having over 2,723 locations all over the United States, Kroger majorly operates in around 35 states of America, along with the District of Columbia. 

Kroger operates a number of stores which include hypermarkets, superstores, supermarkets, jewelry stores, and department stores. Kroger also operates around 2,253 pharmacies, 33 food manufacturing or processing facilities, 225 The Little Clinic in-store medical clinics, and 1,617 supermarket fuel centers. 

Being the largest chain of supermarkets by revenue in the United States, Kroger is third in line after Walmart and Amazon when it comes to being the largest general retail company. Not only that, but Kroger is also seventh in rank in terms of being the largest American-owned private employer in the states itself.

If you want a clearer idea about the thought process behind the operation of this chain, Kroger has quite a lot to say about the same. The chain writes, “Did you know the average person makes 221 food-related decisions every day? As America’s grocer, we believe that everyone deserves to have access to fresh, affordable, and delicious food, no matter who you are, how you shop, or what you like to eat.”

Talking about the quality of the products it offers its customers, the chain writes, “We are fresh that stands out. At the heart of it, food can and SHOULD be fresh, so our new brand has been designed to stand out by being optimistic, bright, welcoming, and above all fresh.”

Not only that but Kroger also talks about one of its marketing techniques in the following way, “Animation is Kroger’s fresh creative medium to market, connect and differentiate. The Koji (Kroger + emoji) animation features a loveable cast of characters to represent Kroger customers, associates, and communities in an inclusive, relatable, optimistic, and fun way.”

If you’re as fascinated as I am with the unique logo of Kroger, well, there’s a story behind that as well! The chain says, “The “Fresh Cart” icon is the embodiment of our brand’s purpose and promise to feed the human spirit by making fresh food accessible to all. The Fresh Cart combines two core Kroger Family equities, innovation and fresh, into one. The shopping cart is a symbol that has become synonymous with the grocery experience.”

The statement further says, “Our cart was created using the curve of our K to represent our dedication to continually improving the shopping experience, no matter how you like to shop. The citrus wedges symbolize a commitment to Fresh that goes beyond food. At Kroger, “Fresh” is an approach to everything we do and a feeling we hope to inspire in our customers.”

Since Kroger is loved by so many Americans, the incorporation of Apple Pay as a method of payment at this chain has become a big matter of discussion. In this article, you’ll be informed about whether or not Kroger accepts Apple Pay, what all payment methods this chain accepts, etc. So, are you ready? Come on then!

Does Kroger Accept Apple Pay? 

Kroger Pay

Are you someone who prefers to make convenient payments without any hassle? If yes, then paying for groceries might be a bit complicated for you. But several chains like Target, Walmart, etc., accept payments made via Apple Pay. This gives rise to the question if Kroger accepts Apple Pay or not? You’re curious about the same, I know, so let me tell you all about it!

Kroger doesn’t accept Apple Pay as a method of payment at any of its stores. This chain doesn’t offer the choice of paying via Apple Pay to its customers and offers other methods of payment instead. The other payment methods accepted at Kroger include credit card, debit card, WIC, SNAP/EBT, Afterpay, Kroger Pay, PayPal, and Scan, Bag, and Go.

I hate to break your heart, but if you wanted to make a payment via Apple Pay for whatever you bought at a Kroger store, then you might want to put it back as the chain doesn’t accept Apple Pay! So, carrying a wallet might help you the next time you go shopping at Kroger!

Why Does Kroger Not Accept Apple Pay?

Behind every decision, there’s a valid reason. Now, I know what you might be thinking, what valid reason can be there behind Kroger not accepting Apple Pay? Let’s find out!

In 2020, Kroger tried out Apple Pay as one of the payment methods at its stores, but the chain decided to discontinue it. This is because the customers weren’t interested in using Apple Pay and the chain itself had its own digital payment app coming out Kroger Pay. Kroger Pay is similar to how Apple Pay works but along with other additional features like reward cards, Kroger membership, etc.

When Will Kroger Accept Apple Pay?

The question of when Kroger will accept Apple Pay remains unanswered as the chain doesn’t show any interest in bringing this payment method back to its stores. This is also because of the fact that Kroger’s own digital payment method, Kroger Pay, is doing so well!

Does Kroger Take Instacart Apple Pay?

Kroger Pay

After finding out that Apple Pay isn’t a viable payment method at Kroger, you might be wondering whether or not Apple Pay is accepted for Instacart payments at Kroger. Let’s see!

You cannot use Apple Pay to make payments when buying products at Kroger via Instacart. Kroger doesn’t accept payment via Apple Pay, no matter what way you use it! Instead, it would help you to go for the chain’s own digital payment app, Kroger Pay. Happy shopping!

Other Payment Methods Acceptable At Kroger

Payment Methods

Kroger offers its customers a wide variety of options to go for while making a payment at this chain, as per the convenience of the customers. These payment methods include payments in cash, credit card, debit card, WIC, SNAP/EBT, Afterpay, Kroger Pay, PayPal, and Scan, Bag, and Go.

A short description of all the above-mentioned payment methods at Kroger is given below, so you can get familiarized with the same! 

1. Cash

Not carrying your card wallet along? Well, no need to worry because Kroger accepts payments in cash, duh! One of the most convenient and easiest ways of making a payment at Kroger, cash in your wallet always comes in hand when everything seems to be going out of hand!

2. Credit Card

Payments can also be carried out at Kroger using your old buddy, the credit card! Payments made via credit cards are easy and hassle-free. All you need to do is give your credit card a swipe into the card reader, enter your pin and allow the transaction to be processed. Once all of this is done, your bill will get paid!

3. Debit Card

Making payments via debit card is way similar to the ones made via credit card. Just like credit cards, all you need to do is swipe your debit card into the card reading machine, enter your pin and process the transaction. Once completed, your payment will be made!

4. WIC 

Kroger also has WIC listed as a valid mode of payment at its stores. Paying using WIC might be a bit complicated, but it is definitely doable! For paying your bill at Kroger via a WIC card, you first need to check whether or not the items you’re buying are WIC approved. After that, all you need to do is swipe your WIC card to pay the bill.


For making a payment via SNAP/EBT at Kroger, you need to place your order online through your account on the Kroger app. While selecting the payment method, click on the “EBT at pickup,” and your order will be confirmed. Once your order gets to you, just swipe your EBT card into the card reader to be done with the transaction.

6. Afterpay 

Out of money but want whatever you’re buying with all your heart? You need to let Afterpay come to the rescue! Using Afterpay to pay your bills at Kroger is easier than you might think. Afterpay allows you to make the payment installments of your order without any additional costs. All you need to do is select Afterpay at check out. 

7. Kroger Pay

If you’re not sure how to pay your Kroger bill via Kroger Pay but are interested in the same, then I think you need to hear from Kroger itself about how to use this payment method!

According to the official website of Kroger, to make a payment at Kroger using Kroger Pay, you need to follow the given steps :

  1. Go to any in-store checkout lane in a participating store.
  2.  Access Kroger Pay via one of the methods – Voice (Siri for iOS devices and Google Assistant for Android), App Shortcut Menu, Kroger Pay “Quicklink” on the top left of the app Home Screen, Kroger Pay button in your Wallet, or, if you have location services enabled on your mobile device, tap Kroger Pay when your app is the in-store mode.
  3. Enter your four-digit PIN or scan your biometrics.
  4. At checkout, scan the QR Code displayed on your device on the item scanner or present it to the cashier.
  5. Scan your items as usual.
  6. Before payment is finalized, you will have a chance to review your order along with any physical or digital coupons loaded to your Shopper’s Card. At self-checkout, you’ll need to press “Mobile” on the final display screen to complete your transaction.

8. PayPal

You can also pay your Kroger bill using your best payment pal, PayPal. All that needs to be done is for you to scan the Kroger store’s QR code to process the transaction for your bill and for the payment of your order’s bill.

9. Scan, Bag, Go 

The last one in this list of acceptable payment methods at Kroger is Scan, Bag, Go. All you need to do is log into your Scan, Bag, Go account and scan whatever items you pick up while shopping. The total bill of the shopped items will be displayed on your phone screen on the go as well. After you’re done getting the items you want, go to the Scan, Bag, Go self-checkout area and scan the barcode and make the payment!


Kroger doesn’t accept Apple Pay at any of its stores. This chain doesn’t let customers make payments for their shopped items using Apple Pay. Other acceptable methods of payment at Kroger include payments in cash, credit card, debit card, WIC, SNAP/EBT, Afterpay, Kroger Pay, PayPal, and Scan, Bag, and Go.

Frequently Asked Questions (FAQs)

Can you use Apple Pay to make payments at Kroger?

You can’t use Apple Pay to make payments at Kroger as it is not an acceptable payment method at this chain.

What are all the payment methods accepted at Kroger?

Kroger offers its customers a wide variety of payment options. These payment methods include payments in cash, credit card, debit card, WIC, SNAP/EBT, Afterpay, Kroger Pay, PayPal, and Scan, Bag, and Go.

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