Let’s Find an Answer to ‘Does Costco Take Apple Pay’?

February 13, 2024

Are you someone who regularly uses Apple Pay to make payments? Wouldn’t it be amazing if you could use it at Costco to make payments for your purchases? One question might have crossed your mind, ‘Does Costco take Apple Pay’. Here’s everything you need to know about Costco’s payment methods.

Costco Wholesale Store

According to a report published by Statista, Apple Pay has more than 90% market share in the country, and 85% of merchants use it as a payment option in their retail stores. Sending money through Apple Pay is like earning a pretty penny. To use this payment app at Costco, you must link a Visa card to your Apple Pay wallet. For an in-depth understanding of Costco Apple Pay flick through this article.

Does Costco Take Apple Pay?

Does Costco Take Apple Pay

If you are a regular user of Apple Pay and love to shop at Walmart and Costco, then you might also be avidly searching for does Costco take Apple Pay. So, there is a piece of good news for you: it does accept this payment app.

Costco began accepting Apple Pay on August 20, 2018. But what might seem astounding to some is that you would be able to access it in their stores only if you have connected your VISA card with your payment app. Moreover, make sure the store has an NFC reader.

A few years ago, American Express Bank partnered with them, so the cards were only restricted to them. Now, they have switched their partnership with VISA. 

What Payment Options Does Costco Accept?

Are you looking for payment options offered by Costco? Like its competitors, it provides a wide range of payment modes to its customers. Let’s look in detail at Costco payment methods, except for personal checks.

  • Mobile payments (Apple Pay, Google Pay, Samsung Pay)
  • Debit cards with PIN
  • Cash
  • Costco Shop cards
  • Business checks
  • ATM cards (PIN-based)
  • EBT card
  • Traveler’s checks
  • Visa credit cards
  • Traveler’s check
  • MasterCard (In the case of Costco.com)
  • Discover Cards (In the case of Costco.com)

This is a circumstantial list of Costco payment methods available at this wholesale cooperative. Although, when compared with competitors, it does not offer check cashing features like Walmart check cashing.

How does Apple Pay Work at Costco?

Once you become aware that Costco accepts Apple Pay, you must be wondering, how does Costco take Apple Pay? To know this process, you will have to dig deeper into the steps mentioned below.

  • Step 1: Visit the store, accumulate the items, and try to locate the NFC reader
    NFC Reader at Costco
  • Step 2: Inform the cashier you’re using Apple Pay.
  • Step 3: Double-click the side button of your iPhone to activate the default Visa card.
  • Step 4: A prompt will appear on the screen asking you to open your iPhone with your face, touch ID, or enter your passcode.
  • Step 5: Once authenticated, place your phone near the reader.
  • Step 6: A checkmark will appear on the iPhone’s screen, communicating a successful payment.

Instead of a checkmark, you could also experience vibrations on your device. This indicates that the transaction has been completed, and now you can remove your device from NFC.

Does Costco Gas Take Apple Pay?

There is a wide range of answers available online about ‘Does Costco Gas take Apple Pay’? But not many articles clearly defined it. So, here I am providing you with the clear-cut answer to this query, which is that it does allow you to check out with this payment platform as per the company’s website. Along with that, you can make use of different kinds of VISA credit and debit cards for making a payment at Costco Gas.

Apple Pay at Costco Gasoline

The gas pump must have an NFC reader for making a payment through this Apple Payment system. It is of utmost importance to have a hold of your physical Costco Membership Card to access the gas station. Electronic Costco cards are not yet accepted at the pump, so make sure to keep your card in your bag before stepping out.

On the other sunny side, it also allows you to make use of Apple exclusive  payment app as a payment option in their pharmaceutical stores. All you have to do is visit the store, show your prescription to the personnel, and encash via this payment platform when leaving the store or at the billing counter.

How to Use Apple Pay at Costco.com?

Do you know this store also runs a website where you can purchase goods online and get delivery to your doorstep? To do so, follow the steps mentioned below.

  • Step 1: Visit Costco.com on your PC, laptop, Apple Watch, or iPhone.
    Costco com
  • Step 2: Then, log in to your Apple ID on the device.
  • Step 3: Navigate to your Bluetooth settings on your compatible device and enable Bluetooth.
  • Step 4: Once you accumulate your items in the shopping cart on the website, you can then proceed to check out with Apple Pay.
  • Step 5: Click the Apple Pay button. Next, check the information, then confirm the payment.
  • Step 6: Verify the purchase using either your face, fingerprint, or a passcode.

Once you execute all these steps appropriately, you will see a checkmark on your device screen or hear a beep sound. Well, now you know how Costco takes Apple Pay.

Suggested Read: How to Add Tesco Clubcard to Apple Wallet in a Few Easy Steps

Can You Use Apple Pay on Costco’s Food Courts?

Many customers have raised a question online, ‘Can I use Apple Pay at Costco’? The precise answer would be yes, you can use it at Costco food outlets and courts. You must be meditating on how to use Apple Pay as a payment option on Costco’s food courts.

  • Visit payment kiosks in the food court.
    Kiosk’s at Costco Food Court
  • Next, click the checkout option.
  • You’ll then need to either use your face, fingerprint, or passcode to confirm the payment.

It is one of the most convenient ways of checking out Costco’s food stores. This payment will only take a few seconds to complete. Now, you are acquainted with the answer to ‘Can I use Apple Pay at Costco’ and how to execute such a transaction swiftly.

How to Use Apple Pay on the Costco App?

For instance, like its competitors, Costco also has its own mobile app which is only compatible with Apple devices.  Now, let’s look at how to use this payment app on the Costco App.

  • Accumulate everything you want in your shopping cart, next, you’ll have to press the Apple Pay button. You’ll see it under payment methods on the app.
  • Visit your cart and check that the information related to your payment app is correct.
  • In the final step, you will be requested to confirm your payment by using either your face ID, fingerprint, or passcode.

Once your transaction is completed, you will get a notification on your provided contact number or email.

Fees and Limits for Using Apple Pay at Costco

You might be wondering what fees Apple charges for using it as a payment method at Costco. To your bewilderment, it does not charge any fees for making such transactions but levies some bearable limits.

This platform lets you connect your credit or debit card with your iPhone or Apple Watch and lets you pay with them in Costco stores. If we talk about the limits that might be imposed upon you, it allows you to make transactions of up to $10,000 per transaction, and up to $10,000 within a 7-day period. Additionally, you could also face limits from your bank or available balance.

To be accurate, most banks do not charge for such transactions, but it is advisable to first confirm with your bank before initiating transactions. Costco Apple Pay is one of the most convenient payment methods at this store for people who don’t want to pay through card or cash.

Conclusion: Is Apple Pay Safe to Use at Costco?

In some ways, using Apple Pay or Apple Cash in a store provides an extra shield of safety compared to paying with cash or a card. You may feel more secure having your payment in hand, but you can lose or misplace cards and money. Also, when you swipe a credit card, information like the account number and expiration date may be shared with the merchant. 

It does not record your transactions, so no risk is involved. But, what is most important is that it is only available for Apple users with compatible devices, and only VISA cards are accepted via Apple Pay. Costco Apple Pay could be the best option for you in shopping if you want to avoid carrying cash.


Costco by Wikipedia
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