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Major Retailers that Support NFC Payments
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I think if Target does Apple Pay, it will be thru their store card. I hope not. Shop there a lot. I mention it every time I check out.
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I used Apple Pay at Starbucks today. So, my iPhone is not the issue.
Except in the video I posted above I was able to use a non-Target Mastercard for the purchase. I would think it'd be REDcard only even during the trial otherwise.
That said, it is possible that you'd be able to add REDcards to your phone and tap that. We'll have to see once they officially announce support.
Wow. I've been using Pay for years now, and I can only recall one failure... about 2 months ago, when Costco went 'live' with NFC payments, I tried it and got a failure... then I realized that it was 'user error' - I was trying to use my MC at Costco and they only accept VISA.
Also Visa Debit contactless at Costco would not work for months as it would say invalid pin but not allow you to enter one but it does work now but you have to enter a pin as it runs as EFT/DEBIT which means MC Debit should work as well but you will need to enter a pin. I want to try an MC Debit ctls card there soon and report back if it works for sure but it should.
Costco only accepts VISA credit cards... it's been that way for a couple of years, after the contract with AmEx expires and VISA went after them hard... I know that even in the AmEx days, I could use my VISA debit card, so I would think that Costco would also accept MC debit cards... but in the situation that I related above, I attempted to use a MC credit card, which was rejected.
I think when using Apple Pay, all debit cards are run "as credit" at merchants, rather than their native debit networks (Plus, Cirrus, Pulse, etc.), so that's probably why a Mastercard debit at Costco wouldn't work via Apple Pay, but can work with the physical card and PIN.
I'm pretty sure it asks for PIN still at a bunch of other places, not just Costco. That said, I don't normally use NFC with my debit card so maybe things have significantly changed.
Yeah I knew that Costco only accepts Visa as credit its plastered all over the place in Costco. Yeah that makes sense MC Debit yes MC credit nope.
Usually that is the case at most places but for some reason Costco forces EFT/Debit with no way to bypass the pin on Visa Debit cards through Apple and Google Pay so that is why I said that MC Debit would probably work if you are forced to enter a pin when using Apple/Google Pay. Most places do allow you to bypass the pin when using ctls though but Costco isn't one of them. A few merchants just use CDCVM such as McD's and QuikTrip even with the US Debit AID so no pin needing to be entered ever. Costco should try doing that to speed up the payment process for Visa Debit users through Apple/Google Pay.
I can confirm that Kohl's still works just fine and they even support EMV contactless with CDCVM supported. No way they will remove it. Just like QuikTrip and McD's they use the US Debit AID(If Debit Card) with CDCVM so no need to sign regardless of the amount. This is how everyone should support ctls via phone.
I have noticed this that once in awhile contactless just won't work, it could could be a temporary POS issue. My last decline was at a self checkout machine at an NCR grocery store and the screen only said Insert/Swipe Card so in that case it could be broken at that self checkout machines or at that location only. The contactless readers can also randomly fail as well. But the latter is very rare while most of the issues are the former.
Below is a list of major USA retailers that support contactless payment (and therefore Apple Pay). Please add only retailers supporting contactless today, not retailers promising future support.
General Information
- Merchants with fragmented or inconsistent contactless (notably, petro/c-store merchants) should be listed as Not Accepted.
- You can use Mastercard's locator service (iOS app here) to find nearby merchants accepting contactless payment. tmiw also runs a crowd-sourced site that tracks chip and contactless acceptance.
- Franchised, licensed, or otherwise contracted stores may have different payments systems, and contactless may or may not work as a result. For example, Apple Pay will not work at Starbucks kiosks inside Safeway, as they use Safeway's point-of-sale system.
- - - - -Accepted:
Legend
* Not a featured Apple Pay merchant
† Supports CDCVM, meaning signature or PIN is not required regardless of amount
7-11 (Most locations)
AAFES/Navy Exchange*
Abercrombie*
Academy Sports*
Ace Hardware
ACME
Advance Auto Parts*
Aeropostale
Aldi*
Alon (7-Eleven, Allsups branded stores)*
American Apparel*
American Eagle Outfitters
AmPm*
Anthropologie
Apple Store†
Arby's - Some locations with MX915's and FD35 pinpads*
Arco*
AT&T Retail Stores*
Auntie Anne's Pretzels*
Autozone*
Barnes & Noble*
Barneys New York
Basha's Grocery Stores
Baskin-Robbins
Bass Pro Shops*
Bel Air
Best Buy
B&H
Big 'O Tires*
Big Lots
Big Y*
Biggby Coffee
Bi-Lo
BJ's Wholesale Club
Bloomingdales
Bob Evans*
Books A Million*
BP
Braum's*
Buc-ee's*
Buffalo Wild Wings*
Burger King - Many locations*
California Pizza Kitchen - Ctls at takeout counter MX915 and by request at waitress station VX820*
Camping World*
Cappy's Warehouse Wine & Spirits*
Carl's Jr. / Hardee's*
Casey's General Store
Cenex*
Champs
Chevron
Chili's Grill and Bar*
Chick Fil A
Cinemark Theatres*
Cinnabon - Some locations*
Circle K - All unbranded inside locations, all P66 inside, some unbranded locations at the pump*
Citgo (indoors only, contactless at pump planned)*
Community Markets/Great Scot/Sack N' Save*
Conoco/Phillips 66 - Locations with FD35 pinpads, MX915s, and some iSC250s*
The Container Store*
Corner Store - All inside and some locations has working ctls readers at pump.
Costco - Visa Credit works well and Visa Debit forces pin debit but now works*
Cost Cutters*
Crate&Barrel
Cumberland Farms*
CVS Pharmacy
Dan's Fresh Market
Dairy Queen - Locations with MX915's(No Visa in pays) and FD35 pinpads*
Davis Food & Drug
Dean & Deluca*
DeMoulas Market Basket*
Denny's*
Dick's Fresh Market
Dierbergs*
DiscountCab*
Disney Store
Dominos Pizza*
Dorothy Lane Market*
DuaneReade†
Dunkin' Donuts
D&W Fresh Market*
Earth Fare*
Eddie Bauer*
El Pollo Loco
EntertainMART/Movie Trading Co/Vintage Stock - EMV contactless supported*†
Express
ExxonMobil - Some locations*
Extra Mile
Family Dollar*
Family Fare/No Frills - Buggy Toshiba POS*
Fareway Food Stores*
Farm Fresh
Firehouse Subs
Five Below*†
Five Guys*
Food Lion*
Food Maxx
Foot Locker (including Lady Footlocker, Run by Footlocker, Kids Footlocker, and House of Hoops)
FootAction
Forever 21
The Fresh Market*
Fresh Thyme*
Fuddruckers
FYE/Suncoast Motion Picture Company*
GameStop
GAP/Old Navy/Banana Republic
Giant Eagle and GetGo (PA)
Giant Food (DC, DE, MD, VA)
Giant Food Stores (PA)
Golden State Warriors
Goodwill - Some locations*
H Mart*
H&M*
Hair Cuttery*
Haggen Supermarket*
Hannaford Supermarkets*
Harbor Freight Tools*
Harvey's Supermarket
Hobby Town USA*
Hornbacher's
Hurley*
IHOP*
IKEA*
Jack In the Box - Rolling out brand new Verfone P200 pinpads with everything enabled*
Jamba Juice
JCPenney
Jersey Mike's
JetBlue
Jewel Osco
Jimmy John's - Many locations*
KFC*
Kohl's†
Krispy Kreme Doughnuts - Some locations*
Kum & Go - EMV contactless*
Kwik Trip/Kwik Star - All Inside/many outside*
L.L.Bean
LaMar's Donuts*
LEGO Store
Levi's
Lids
Lin's Fresh Market
Little Caesars Pizza*
Love's Travel Stop - inside only*
Lowes Foods*
Luby's
Lucky
Lucky Brand*
Maceys
Macy's
Martin's
Maverik*
McDonald's†
Meijer
Micro Center*
Microsoft Store*
MOM's Organic Market*
Motel 6
Natural Grocers*
Nike
Nebraska Furniture Mart*
New York & Company*
New York City Taxi*
Nob Hill Foods
Noodles & Company*
Nugget Market*
Ocean State Job Lot*
Office Depot
OfficeMax
Olive Garden*
Orlando Magic
Outback Steakhouse*
Panda Express/Hibachi-San - test locations only*
Panera Bread
Papa John's Pizza*
Party City*
Peet's Coffee & Tea
Pep Boys
PepperJax Grill*
Petco (and Unleashed)
PetSmart
Pei Wei*
Phoenix Suns
Piggly Wiggly*
Pilot/Flying J*
P.F. Changs Bistro (Haven't tried - maybe only for take-out?)*
Penn Station East Coast Subs*
Pizza Hut
Pollo Tropical*
Popeye's Louisiana Kitchen*
Prada*
Pret A Manger*
Price Chopper (All in IA, KS and MO)*
Price Chopper Supermarkets*
Pro Cuts*
QuikTrip
RaceTrac*
Raley's
Reasor's Foods*
Red Ribbon Bakeshop
Red Robin Restaurant
Rite-Aid*
Ross Dress For Less*
Round Table Pizza
Rubio's
Runza*
Safeway/Albertsons*
Save Mart
Savers Thrift Store - Most locations*
Sbarro*
Scheels All Sports*
Schnucks
Scooter's Coffeehouse*
Sephora
Shaws
Sheetz (indoor/outdoor, some locations)*
Shell (indoor payments)*
Sherwin Williams*
Shopko - EMV Contactless enabled with CDCVM*†
Sinclair*
Six:02
Sizzler - Some locations*
Skechers*
Smart & Final*
Smashburger*
Sprint*
Sprouts
Staples†
Starbucks†
Star Market
Stater Bros.
Steak 'n Shake*
Stewart's Shops*
Stop & Shop
Subway
Sun Mart*
Sunoco/A Plus - Including the pump (some locations)*
Sunoco/Striples*
SuperAmerica*
Supercuts*
SuperValu - Shop 'n Save, Shoppers, Cub, Save A Lot
Taco Cabana*
Taco John's*
Texaco
The Body Shop*
The Food Emporium*
Tim Hortons - some locations/MC tested working*
Trader Joe's - testing EMV contactless at a few locations
True Value Hardware - Many locations*
T-Mobile
ULTA
United Supermarkets
Unleashed
Urban Outfitters
Valero*
Verizon Wireless - no self-service kiosk support; franchisees may not have contactless*
Village Inn/Baker's Square*
VIP Taxi*
Walgreens†
WaWa* (c-store rolling out; pay-at-pump rolling out)*
Walt Disney World
Wegmans
Wendy's (Drive Thru and Inside, some locations)*
Wesco*
Whataburger*
White Castle
Whole Foods Market
Winn-Dixie
Zara*
Zumiez - Some locations with FD terminals*
Accepted at the pump
Some brands have contactless readers installed on their fuel pumps. You can list them here to clean up the main Accepted list. Note that only a small number of filling stations will have tap at the pump, as roll-out and adoption are very slow.
- Arco
- Chevron
- Circle K
- Meijer
- Sunoco
- Texaco
- Wawa
- Sheetz
Not Accepted:
Merchants that do not accept contactless payment
A. C. Moore
Buckle (Has EMV at 50 locations as a test)
Columbia Outlet
Destination XL
Dollar General
Dollar Tree
ExxonMobil - unsupported locations
Fry's
GNC
Gordmans
Hobby Lobby
The Home Depot
HomeGoods
Hy-Vee (By the end of the year)
In-N-Out Burger
Jo-Ann
Kate Spade Outlet Store (watch/phone showed done but transaction would not complete with them adding last 4 of card)
Kroger(Smith's, King Soopers, City Market, Baker's, Gerbes, Dillons, Fred Meyer, Ralph's, Harris Teeter) Has EMV enabled but no contactless.
LOFT
Long John Silver's
Marshalls
Men's Wearhouse
Menards
Michael's (Arts & Crafts Store)
Paper Source
Payless ShoeSource
Publix - did add nfc logos to iSC480's but still disabled.
REI
Speedway - nfc pump readers disabled/inside disabled
Taco Bell
Target - One known location enabled and hopefully more to be added soon, does accept apple pay for online purchases using mobile app
T.J. Maxx
Verifone Transportation Systems (taxis)
Wal-Mart
Former MCX members are no longer bolded in the list. Open the spoiler below for more information.
Section under construction
- - - -
* denotes not listed on the official Apple Pay website
Bold italics denote an MCX(Chase Pay) member (List)
- - - - -
http://web.archive.org/web/20151222075243/http://www.mcx.com/
Members (63 brands total):
- 76
- 7-Eleven
- ACME Fresh Market
- Alon
- Bahama Breeze
- Banana Republic
- Baskin Robbins
- Bed Bath & Beyond
- Best Buy
- Buy Buy Baby
- The Capital Grille
- Chilli's
- Christmas Tree Shops
- Circle K
- Conoco
- CVS/pharmacy
- Dick's Sporting Goods
- Dillard's
- Dunkin' Donuts
- Eddie V's Prime Seafood
- Exxon
- Harmon Face Values
- GAP
- GetGo from Giant Eagle
- Giant Eagle
- Giant Eagle Express
- HMS Host
- Hobby Lobby
- HyVee
- Kmart
- Kohl's
- Kwik Trip
- Kum and Go
- Longhorn Steakhouse
- Lowe's
- Maggiano's Little Italy
- Giant Eagle Market District
- Market District Express
- Meijer
- Michaels
- Mobil
- Meijer
- My Goods Market
- Old Navy
- Olive Garden
- Phillips 66
- Price Rite
- Publix
- QuikTrip
- RaceTrac
- Rite Aid
- Sam's Club
- Seasons 32 Fresh Grill
- Sears
- Sheetz
- Shell
- ShopRite
- Southwest
- Sunoco
- Target
- Walmart
- Wawa
- Wendy's
- Yard House
Does the list only refer to apple pay at physical locations? because Target does accept apple pay in the mobile app, just not at the stores.
Looks like Target rolled back the software update that enabled Quick Chip. I'm guessing contactless is going to be delayed. 
Correct.
Correct.
What an irony. Apple pay has existed in the US for four years and you still can’t use it to pay for your pizza deliveries. It doesn’t exist in Mexico yet (officially), and I can already pay for my pizza deliveries with apple pay because the delivery guys have wireless POS terminals with NFC. And not only for deliveries from Papa John’s, but also for deliveries from Domino’s and Pizza Hut (though pizza hut actually doesn’t deliver in my neighborhood because their closest location is still too far to make the 30 min. mark).
The conclusion I've come to is that the majority of businesses in the US prefer you pay with anything other than a card with a Visa/MC/AmEx/Discover logo, even cash if necessary*. Card acceptance is as wide as it is mainly because of decades of conditioning the public (IMO anyway); without that, I suspect the US would look more like Germany or Japan, with most businesses being cash only and much of the remainder imposing minimums and/or surcharges.
That said, support has grown, mainly due to many places not really having to do much if anything (as in, their POS or terminal vendor's done all the work for them). The places that have more custom setups, on the other hand, are less likely to bother unless they absolutely need or want to--especially if it'll cost them more in processing fees.
BTW I originally thought that the upper limit for contactless support in the US would be around 2/3rds or so of merchants due to merchant resistance and a card culture that sees cashiers handling cards as acceptable (and even highly encouraged/mandated in some cases). Since we're supposedly above 60% now, I'm not sure that's going to be close to an accurate guess. We'll see.
* For the most part. Some places do frown on checks.
That conclusion makes sense. I think the lack of concern about payment security in the US is also a factor. It explains why credit card payments in the US are still authorized with signature (in the US PIN is only used for debit) while the rest of the world uses PIN for all card payments (even countries such as Mexico, where signatures have always been used, are now switching to PIN). It also explains why most sit down restaurants in the US don’t bother to implement an alternative to taking away the patrons’ cards to process the payment (a few have kiosks such as Chilis or Olive Garden and others offer an app for those who want to use apple pay while still taking away the regular cards). And it also explains why some merchants have the nerve to put a piece of cardboard or tape on the chip reader and ask people to swipe their cards instead.
As for the upper limit of 2/3rds , I think you may still be right. The percentage, I believe, would be 60% of US stores not 60% of all US merchants, as there are still several merchant categories in the US that are almost entirely free of contactless payment such as sit down restaurants, hotels, airlines, medical offices, post offices, government offices, universities, storage facilities, parking lots, tourist attractions, amusement parks, and public transportation among many others. And that means the percentage of all US merchants accepting contactless payment would actually be much lower than 60%, so your threshold actually is still far from being reached. Even if I were wrong, I’m pretty sure the 6% remaining to make the two thirds would be met just by the holdouts such as Walmart, Target, Home Depot or Kroger and then the rollout would start stalling. So no, I don’t think we can say yet that your guess is inaccurate. Time will tell.
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They may be "backpedaling" in your area, or at the gas pumps... but I was there this evening and (long story) used Pay FOUR different times - once at the "food court" (debit), twice at the check out (VISA) and once at the Customer Service counter (debit)... no issues, no indication that it wasn't totally as designed.
Just one man's experience at one Costco store.
He's talking about the gas station, where they used to have Apple Pay at the pumps and no longer do. Is there a gas station at the Costco you visited? did you try to use Apple Pay at the pump there?
Mastercard's contactless map updated last night (or is in the process of doing so, anyway). Looks like there are at least three other Targets in the Bay Area that potentially have it: Foster City, Santa Clara and Cupertino. Additionally, the one near UCLA and one in Phoenix have it too. Haven't tried searching other parts of the country yet.
I found all of these, one in downtown Chicago @ 1 S State St, Chicago, IL 60603, near the Target HQ in Minneapolis 900 Nicollet Mall, Minneapolis, MN 55403 and 1329 5th St SE, Minneapolis, MN 55414, and one in Dardenne Prairie, MO(St Louis) 7955 State Highway N, Dardenne Prairie, MO 63368 are all on the ctls locator.
Interesting…the Nicollet Mall location is sort of the de-facto flagship store for the chain (2-story and has many of the features that are slowly rolling across the chain, so I'm not surprised if it's one of the early ones. The other one is near University of Minnesota's campus and a small-format store so it might be a test for the primarily-college customers.
Interestingly enough, none of the Meijer locations near me are on the map (and the chain takes it), but a few Kroger (who are a big holdout) locations are listed.
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There's a Target in Brooklyn on there too. It's almost as though they've chosen one or two in every major city/region.
Though, since the map is kinda wonky right now, maybe they'll do another update and we'll find that it's actually rolled out much more widely than we've thought.
I have some potentially bad news for everyone. A Jamba Juice location by my work replaced their NFC reader with a setup from Toast. There was no indication at all that contactless works nor have I ever seen contactless work at any Toast merchant. I reached out to them on Twitter for comment.
FWIW here's what the customer facing screen looks like. At least EMV works, even if you still have to give your card to them.
FWIW here's what the customer facing screen looks like. At least EMV works, even if you still have to give your card to them.
I hadn't heard of Toast before, but I looked over their site and just about every example shot of equipment still was implying that you'd swipe the card (magstripe reader on the edge of the screen), no mention of EMV or NFC, and even doing a search on the site for NFC or contactless comes up with nothing (although a blog post is saying contactless hasn't really caught on and lumped Chase Pay in with contactless transactions). It's good that there is EMV support in the case of your example, but all of these products seem way behind Square or Clover.