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Yes, you can use your phone to pay in a Lowe’s store through the Lowe’s app’s Wallet/Scan to Pay QR-code checkout. Lowe’s also describes an in-store Apple Pay option when an eligible customer creates an Affirm virtual card and adds it to Apple Wallet. That is a specific Affirm financing route—not confirmation that ordinary Apple Pay or Google Pay tap-to-pay works at every Lowe’s register.
Does Lowe’s accept Apple Pay or Google Pay?
Lowe’s official instructions describe its own in-store app Wallet and a conditional Apple Pay route through Affirm. They do not establish that ordinary Apple Pay or Google Pay is accepted chainwide at registers. The Affirm route requires an eligible customer to create an Affirm virtual card, add it to Apple Wallet, and tap to pay; Affirm’s eligibility, purchase, and financing restrictions apply. See Lowe’s Affirm instructions.
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If you need to know whether a particular store supports contactless payment with a regular card or phone wallet, check with that store or look at the payment options presented at checkout. Lowe’s published instructions do not resolve store-by-store NFC support.
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| Option | Where it works | How the phone is used | Account or eligibility notes |
|---|---|---|---|
| Lowe’s app Wallet / Scan to Pay | In store | Present a QR code from the Lowe’s app at the register. | Requires a registered Lowe’s app user and a payment method selected in the app. Lowe’s terms and its Mobile App page describe the flow. |
| Affirm virtual card in Apple Wallet | In store | Create a virtual card in the Affirm app, add it to Apple Wallet, then tap to pay with Apple Pay. | Subject to Affirm eligibility, purchase restrictions, and financing terms. Lowe’s Affirm page. |
| Pay by Bank | Online checkout | Select Pay by Bank, choose a supported bank and checking or savings account, and confirm the order. | Trustly provides the service; Lowe’s says it adds no fee for this method. Lowe’s Help. |
| Lowe’s Pay | Online checkout | Choose the installment option when offered during checkout. | Managed through Synchrony Pay Later; approval and current terms apply. Lowe’s Pay details. |
How to use Lowe’s app Wallet or Scan to Pay in store
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Open the Lowe’s app and sign in to your registered account.
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Square Reader for contactless and chip (2nd Generation)- Use the, easy-to-use, and customizable POS to get started.
- Accept contactless payments, chip cards, Apple Pay, and Google Pay from anywhere, with improved connectivity, extended battery life, and enhanced security. Pay one low rate for every tap or dip.
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- Use the, easy-to-use, and customizable POS to get started.
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Open Wallet and select the available payment method and any applicable options, such as Member ID, rewards, offers, or gift cards. The app may combine these in one scan.
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At the register, follow the instructions shown there and present the app’s QR code for scanning.
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Square Reader for magstripe (USB-C)- Get your money as soon as the next business day.
- Get set up quickly with no long-term commitments. Download the Square Point of Sale app for free, create an account, and start taking payments anywhere.
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- Works with Apple devices with a Lightning connector.
The QR checkout is Lowe’s own app-based payment flow; it is not Apple Pay or Google Pay tap-to-pay. Lowe’s describes the Wallet and Scan to Pay features in its terms and app information.
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What about Lowe’s Pay, Pay by Bank, and rewards?
Pay by Bank
Pay by Bank is an online checkout choice, not an in-store phone-tap method. Lowe’s Help says to select it at checkout, choose a supported bank and checking or savings account, then confirm the order. Trustly is the provider, and Lowe’s says it charges no additional fee for this payment method. Bank availability may depend on what checkout offers you.
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- Pay one transparent rate per swipe for Visa, Mastercard, Discover and American Express.
- Works in conjunction with most downloadable Square point-of-sale apps on your device. Customers can pay, tip and sign directly on your device. Track payments in cash, gift cards and more. Also lets you send receipts via e-mail or text message, makes it easy to apply discounts, keeps a data and sales history log and more.
- Accepts magstripe credit card payments, including those from Visa, Mastercard, Discover and American Express (fees apply).
- App sends deposits to your bank account within 1 to 2 business days, or enjoy instant deposits (fees apply).
Lowe’s Pay
Lowe’s Pay is an online installment option managed through Synchrony Pay Later, not a general-purpose mobile wallet. Lowe’s page describes eligible Lowes.com checkout orders from $50 to $12,000, subject to approval and terms. It lists fixed terms of 3, 6, 12, 18, or 24 months and APRs from 0% to 34.99%; those are published option ranges, not a promise of approval or a quote for an individual purchase. Check Lowe’s current terms and the offer shown at checkout.
MyLowe’s Rewards and Pro Wallet
Rewards features are account benefits, not proof of third-party wallet acceptance. In store, Lowe’s Rewards materials say shoppers can scan a Member ID/Wallet or provide the phone number on the account; MyLowe’s Money may be applied to eligible purchases. See MyLowe’s Rewards.
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- An intuitive interface to easily accept payments and manage your sales.
- Strong, reliable Wi-Fi connection. Free SIM card and mobile data so you can process payments anywhere.
- Great battery capability with an additional charging station.
- A truly portable device. Stay in control of your business, wherever you go.
- Support when you need it. Get in touch with our US-based support through phone, email and chat.
Pro members can use Pro Wallet on Lowe’s site or app to select offers, a payment method, and rewards, then use a QR code in store. Details are in the Pro Help Center.
Which payment option should you choose?
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For in-store payment with your phone: use Lowe’s app Wallet/Scan to Pay and follow the register’s QR-code instructions.
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- Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
- Process chip cards in just two seconds.
- Get your money as soon as the next business day.
- Use it cordlessly with the built-in battery, designed to last all day.
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To tap with Apple Pay: Lowe’s describes a route through an Affirm virtual card for eligible customers; do not assume this means ordinary Apple Pay or Google Pay is supported at every register.
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For online checkout: Pay by Bank and Lowe’s Pay may appear as options, with their own bank-support, approval, and terms requirements.
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For rewards or Pro benefits: use the applicable account Wallet or Member ID flow; these features do not establish general third-party mobile-wallet acceptance.
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Payment methods and terms can change. Confirm the options in the Lowe’s app or at checkout, and review the linked Lowe’s account or financing terms before paying.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
