Does Lowe’s Accept Samsung Pay? + Other Lowe’s Payment Methods

Contactless payment is gradually becoming a popular and widely acceptable means of making payment. Everyone loves the ease and convenience with making payments using Google Pay, Samsung Pay, and Apple Pay. However, not every store seems to adore this advanced technology. In today’s article we will be discussing Lowe’s and Samsung Pay.

Does Lowe’s accept Samsung pay?

Lowe’s accepts Samsung Pay only because it is the only contactless payment method that has both NFC and MST capabilities. Because of Samsung Pay’s MST capabilities, it can be used as a payment method at Lowe’s. To use Samsung Pay at Lowe’s, you’d have to solely rely on its MST feature. 

Does Lowe's Accept Samsung Pay

Wondering how to use Samsung Pay at Lowe’s, then you’d love to read to the end as I’ll be showing you how to use this app at Lowe’s and also outlining other payment options available at the store in case you do not have access to Samsung pay.

What Payment Methods are accepted at Lowe’s

Lowe’s Payment options includes the following:

  • Lowe’s Zero Card (for customers in Australia)
  • Lowe’s Advantage credit card
  • Debit and Credit Cards from Visa, Mastercard, American Express, and DISCOVER
  • Paypal

How to use Samsung Pay at Lowe’s

To pay with Samsung Pay at Lowe’s, you’ll need to turn off NFC to enable MST then follow the easy steps below:

  • If you don’t already have one, then download the Samsung Pay app (the Samsung Pay app works with Galaxy Note9, Galaxy S9+, Galaxy S9, Galaxy Note8, Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Note 5, Galaxy A8+, Galaxy A7 2017, Galaxy A5 2017, A5 2016, A7 2016, Galaxy A9 Pro and Galaxy J7 Pro)
  • Set up the app by creating an account
  • Add at least one payment method, either a debit or a credit card. You can have more than one though.
  • Ready to make a purchase? open the app and press the “Pay” tab
  • Select your preferred card and tap “Pay” again
  • Select your security option (fingerprint or PIN)
  • Follow the security prompts
  • Scan the contactless QR code on the Lower Register to complete your payment

Does Lowe’s accept Apple Pay?

No, Lowe’s Does not accept Apple pay. The home improvement store is yet to adopt the contactless payment technology and doesn’t seem to have any plans in the near future to incorporate Apple Pay as a payment method. Customers can choose from the payment options available at the store for purchase and payment as explained above. 

Does Lowe’s accept Google Pay?

As with the case of Apple Pay, Google pay is not accepted at Lowe’s For making payment. Google pay also uses near field communication service for making payment and this is not accepted at Lowe’s.

Does Lowe’s accept Venmo?

No. Venmo is not accepted as a payment method with Lowe’s. You can always use your credit when shopping at Lowe’s, unfortunately, most payment apps won’t work.

Does Lowe’s accept PayPal?

Yes. Lowe’s accepts PayPal. However, you can only use PayPal to make online purchases. This payment method is not accepted at physical locations.

Note: You cannot use PayPal to buy a Lowe’s gift card anymore. Formerly, it was possible to buy a Lowe’s gift card with PayPal but Lowe’s has discontinued that feature. 

However, if you want to use PayPal for in-store purchases, you can use a PayPal debit card, ensure the account is connected to the card, has sufficient funds on it, and then you can use it when shopping at Lowe’s. The PayPal debit card works just like a regular prepaid debit card.

Does Lowe’s take tap to pay?

Lowe’s does not accept any form of contactless payment which includes Apple Pay, Google Pay and Samsung Pay. However, with Samsung Pay there is an exception. Samsung Pay does not entirely depend on NFC like other contactless payment methods. It also has an MST feature. The MST feature on Samsung Pay makes it differ a little from regular contactless payment methods, allowing you to use it to pay even at stores where tap to pay is not accepted. 

Does Lowe’s take checks?

Lowe’s takes checks. You can make in-store purchases with either a personal or business check. If you are ready to pay, present the check to the cashier, and your payment would be validated. Before the check is accepted, you may be asked to provide a government-issued ID for verification checks. Payroll checks from a business account are also accepted at Lowe’s. 

Lowe’s Credit Card

Lowe’s offers its personal branded credit card which shoppers can use to make purchases at the store. The store provides customers with two types of credit cards: the Zero card for customers in Australia and the Advantage card. As with most branded cards, the Lowe’s Credit card can only be used at Lowe’s stores across the United States and Australia. 

The Lowe’s Zero card offers customers 5% saving when they shop using the card in Australia. For your first purchase after becoming a card member, you get to save up to $100, though the card comes with a high annual percentage rate. While the Lowe’s Advantage card gives customers a 20% discount on their first purchase and 5% discounts every time they use the card. 

Special financing saves you interest only when you pay in full at promotional periods, interest is charged back to purchase date if you don’t pay in full. However, there are a number of benefits to being a Lowe’s Card member.

Benefits of the Lowe’s Zero Card

According to Lowe’s Website, the following are some of the benefits of using the Lowe’s Zero card. Remember it is only for customers in Australia. These benefits include: 

  • Save 5% on all purchases, this includes items that are already reduced
  • 5% rewards on all transactions
  • Shop now, Pay Later
  • No interest ever
  • A low $5 fee if you have a balance at the end of the month
  • Exclusive shopping specials and promotion offers
  • $10 set up and annual fee with $10 in your rewards points every year to redeem on your next visit
  • Rewards points never expire and can be redeemed when you want
  • Additional cards on account upon request at no charge


Does Lowe’s take mobile pay?

You cannot pay at Lowe’s with your mobile phone using NFC. Lowe’s does not take contactless payment made through NFC service.

Does Lowe’s take NFC service?

No, Lowe’s does not take NFC service. The store is yet to announce its incorporation of the technology into its payment list.

Can I pay without a card at Lowe’s?

The only available option for making payment at Lowe’s stores without a card is the use of Samsung Pay. This can be done under the magnetic strip reader (MST) to scan and make payment using the Samsung Pay app.

How do I pay with my phone at Lowe’s?

If you’re looking to make payment over the phone, you can call Lowe’s on (800) 444-1408 and follow the prompts. Also, you can make use of Samsung Pay. 

Does Lowe’s offer pay later?

Yes. Lowe’s offers pay later using Affirm. When you shop at Lowe’s, use Affirm as your payment option. This allows you to buy now and pay later. No hidden fee applied.

What bank does Lowe’s Work with?

Lowe’s Works with the Synchrony Bank. The Lowe’s Advantage card is issued by the bank.

What is the Lowe’s credit card limit?

The Lowe’s credit card limit will depend on what the store determines as your creditworthiness, debt and also income. To earn a higher credit limit, you’ll need to earn a higher score. Scores above 700 will earn you a credit limit of around $2,000. The higher the score, the higher your credit limit.

Before You Go…

Contactless payments are still a work in progress and we don’t expect every store to have it. Lowe’s allows for this provision even though it does not accept contactless payment. If you have not setup your Samsung Pay account, I’ve written something to guide you below: 

Samsung Pay: What is it About and How Does it Work


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