Does WinCo Accept Apple Pay?

WinCo does not accept Apple Pay. This discount grocery retailer has a unique approach to accepting payments and also doesn’t accept credit cards. You can’t use any digital wallet at WinCo, so be prepared to pay with cash, check, or debit card. 

This post will explore if Winco accepts Apple Pay. I’ll provide some good information on why the store doesn’t take Apple Pay and highlight other related details. I want to ensure you have a good experience here, even if you can’t use a digital payment. 

Let’s get rolling. 

Key Takeaways

  • WinCo does not accept Apple Pay or any other digital wallet. 
  • WinCo has a unique approach to accepted payments and only takes cash, check, or debit cards. 
  • WinCo is still a great place to shop if you want access to discount food and supplies but be prepared with the proper payment methods. 

Does WinCo Accept Apple Pay? 

Many stores of all kinds take Apple Pay these days, but WinCo is not one of them. This popular discount grocery store does not accept Apple Pay or any other form of digital payment. 

This might sound surprising if you are used to paying with Apple Pay often. But every store makes its own policies regarding what payment methods are accepted, and WinCo has pretty strict policies about this. 

I don’t think WinCo will start accepting Apple Pay or any other type of digital payment anytime soon. If enough customers complain, maybe they will consider changing its policies. But this isn’t likely to happen for a while, if at all. 

WinCo also doesn’t accept credit cards of any kind, which is likely the reason why the store doesn’t take Apple Pay. The store doesn’t want to pay the extra fees associated with processing credit card payments. 

This is part of the reason why WinCo can keep its prices so low. Many consumers don’t realize that credit card companies charge stores and retailers a fee for each transaction. This can really add up if many customers use credit cards. 

And since many people link a credit card to their Apple Pay accounts, not accepting Apple Pay aligns with this policy. WinCo is making sure that the prices stay down by not accepting Apple Pay or digital payments.  

What Type of Payment Does WinCo Take?

I just covered what forms of payment WinCo does not accept. These include Apple Pay (and any other digital payment) and credit cards. But what type of payment does the store take? 

WinCo accepts cash, check, and debit cards. If you want to pay with a check, you must present a valid form of identification. Not all WinCo locations accept all types of checks, so you should inquire before attempting to pay this way. 

If you are wondering why the store accepts debit cards but not credit cards, it’s because debit cards are linked to checking accounts, and credit card companies do not charge fees for these. 

Even though your debit card might have a Visa or MasterCard logo on it, it’s technically not a credit card. It functions like a check, and WinCo doesn’t need to pay anything extra to process it. 

WinCo also accepts EBT or food stamps, allowing anyone using food assistance programs to take advantage of its low prices. You can also use prepaid Visa or gift cards here because these function like debit cards.   

It might seem rare for a company not to accept credit cards. But when you think about how much credit card companies make off of stores, there’s a lot of money to be saved by not accepting them. 


Here are a few short answers to some of the most frequently asked questions related to if Winco accepts Apple Pay. 

Can you pay with credit card at WinCo? 

WinCo does not accept credit cards, but you can use debit cards at the store. WinCo has a strict payment policy, only allowing you to pay with cash, check, or debit card. The store does not take any type of credit card. 

Does WinCo take Visa or MasterCard? 

If you have a Visa or MasterCard debit card associated with a checking account from a bank, you can use this at WinCo. But if you have a credit card instead of a debit card, WinCo does not take any type of these. 

Does WinCo take Google Pay? 

WinCo does not take Google Pay or any other type of digital payment. The only valid payment methods at this store are cash, check, or debit card. You can’t use credit cards or other digital payments like Apple Pay or Google Pay here. 

Does WinCo accept tap-to-pay? 

WinCo does not currently offer contactless payment. The store does accept debit cards and EBT, but you’ll need to use a card scanner to pay with these. You cannot use digital payments or tap-enabled cards at this store. 

Why is WinCo so much cheaper? 

WinCo keeps its prices low in several ways. These include being an employee-owned company as well as not accepting credit cards. Both of these factors help to cut costs and benefit the consumer while allowing the store the help keep prices down.  

Does WinCo accept prepaid Visa cards? 

WinCo does accept prepaid Visa cards because they function similarly to debit cards, and the store does not have to pay fees to the credit card companies on these. You can use a prepaid card like a debit card in the store. 

Final Thoughts

WinCo does not accept Apple Pay or any other type of digital payment. The store only accepts cash, debit cards, and checks. You’ll need one of those payment methods if you want to shop here and take advantage of the low prices. 

Don’t expect WinCo to change its payment policies any time soon. There is a chance that the store might start accepting digital payments like Apple Pay if the account is linked to a debit card, but there is no official word from the company about that. 

Have you ever shopped at WinCo? What’s your favorite thing about the store? Let me know in the comments below.

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