When it comes to flexibility when making payments, there's no doubt that Target makes its mark, and while they weren't the very first to adopt digital payment methods, they still accept some of the most popular contactless payment services that you'll find out there.
That said, Target accepts Apple Pay as a payment method, and whether you're shopping online or in-store, you'll find Apple Pay to be a convenient and secure way to make payments on the go.
If you're looking to use Apple Pay at Target, I've compiled everything you need, including the steps you need to take to get that confirming beep sound from Apple Pay indicating a successful transaction.
How to Set Up Apple Pay to Use at Target
The principle for setting up Apple Pay here is typically the same, just like with other retailers we've covered on this blog before.
You'll need to make sure that your device is an Apple Pay-supported device (that is, at least an iPhone 6 with iOS 9 or newer) and that you have a credit or debit card ready to be linked as a funding source.
As I always say, if you already have Apple Pay set up on your device, you should skip this step, but if you haven't, you need to take the following steps to get it working on your iPhone.
- Open the Wallet app on your iPhone and tap the plus button.
- You should see a few options come up, select "Debit or Credit Card" and tap "Continue."
- On the next page, you'll have to enter your card details or simply scan the card to get its info loaded automatically in the Wallet.
- After adding your card details, follow the onscreen instructions to get things done at this level.
You need to be sure that the card you're linking to Apple Wallet shouldn't be limited in any way for use with digital wallets. And if there's any additional verification required, make sure you complete the required steps.
How to Use Apple Pay at Target
Now that everything is set up, it is time to use Apple Pay to make payments at Target.
According to Target, you can use Apple Pay either at the checkout in the Target app and website or for over-the-counter payments in Target stores.
So, to pay with Target in the Target app or website:
- Open the Target app or website and shop for your favorite items.
- Once you're done going through the catalogs, proceed to the checkout.
- At the checkout, you should see Apple Pay show up if you're using an Apple Pay-supported device, and if that's the case, just click on it to select it.
- Follow the onscreen instructions to complete the payments.
In case you're looking to pay with Apple Pay in-store, you'll need to follow these steps:
- Shop the Target store as you normally do and head over to the cashier.
- Now, simply inform the cashier that you want to pay through Apple Pay.
- You'll be shown the NFC reader to scan to make the payment.
- After scanning, follow the prompts on your phone to make the payment, and if everything goes well, you should get the beep sound confirming that the transaction was successful.
The process is just as easy and straightforward as that.
Does Target Take Apple Pay at Self-Checkout?
Yes, Target takes Apple Pay at self-checkout, which is great news for some of you who don't like going through the lines in the regular checkout.
All you'll need to do when looking to use Apple Pay at self-checkout is pick up the items you need and go to Target's self-checkout and scan them one by one. When you're done scanning, select the card option if you don't see Apple Pay listed on the screen. Now, open your iPhone and tap on your card, verify with your Touch ID or Face ID, and hold your phone closer to the NFC reader to make the payment.
When you hear a beep sound, it means the payment was completed successfully and you can just head back home.
Can Target RedCard Be Used With Apple Pay?
Apple Pay is not compatible with Target RedCard. And as unfortunate as the situation is, the Target RedCard cannot be added to your Apple Pay wallet. The RedCard does not work with Apple Pay or any other digital wallets, but it does with Target's in-app wallet.
As a Target app user, you automatically have access to the Wallet feature on the Target mobile app, which combines the Target RedCard, Target Circle earnings and discounts, Target gift cards, and more to simplify the checkout process at Target shops.
You will be given a barcode that you can use to check out at Target stores, either by yourself or by using a cashier-operated lane. If you wish to keep your Target Circle profits for later, you can toggle them on or off.
Target Wallet does not allow you to add any third-party payment options, such as Apple Pay or a debit or credit card. Additionally, Target Wallet is just for in-store checkout and not for online or app purchases.
Is It Safe to Use Apple Pay At Target?
Yes, it is completely safe to use Apple Pay at Target.
Are There Fees for Using Apple Pay at Target?
There are no fees associated with using Apple Pay at Target or anywhere else that accepts it.
If you're charged fees, they'll come from the bank that's linked to your Apple Pay account, and they'll usually be for insufficient funds or something similar.
Is There a Limit for Using Apple Pay at Target?
Apple Pay has no limitations when used at Target, but your linked funding source can have spending limits. So always be sure about your limits with using your linked card or bank for payments.
Apple Pay Declined at Target: Troubleshooting Apple Pay at Target
It is no new thing for Target to decline your Apple Pay payment, and if it does so, there are just a few things to consider as possible reasons, which include:
- Insufficient balance.
- Network issues.
- Your card isn't supported by Target or Apple Pay (declined).
- Your Target app is outdated.
With all those causes mentioned, it is always crucial to make sure you're using the latest version of the Target app and iOS, that your network is good, and that your funding source does not have any limitations.
If none of these seem to resolve your problem, then consider reaching out to Apple Pay support to figure out what went wrong.
Frequently Asked Questions
How do I pay with my phone at Target?
You can use your Wallet to pay using your Target REDcard and save with Cartwheel by scanning with your phone at Target's checkout.
How do I add Apple Pay to target?
To add Apple Pay to Target; Open the Wallet app on your iPhone >> Tap the “+” button in the top-right corner of the screen >> Tap Continue on the next screen >> Tap Add Card >> Take a photo of your Apple Cash or type-in the details >> Enter the card's expiration date and CVV >> Select Next.
Why is Apple pay not working for Target?
Target does not accept Apple Pay as a payment method. To use Apple Pay at Target, make sure you've linked your Apple Cash correctly to Target.
Final Thoughts
Target accepts Apple Pay as a payment method, making it easy for millions of Target customers to make payments the way they want, whether it is online or in-store at over 1,800 store locations.
This guide compiles the steps you need to set up Apple Pay as use to make Apple Pay payments at Target so you can leverage the convenience offered by the two giants.