Ethan Vance
If you love bargain hunting as much as I do, you’ve probably stood in a Ross checkout line wondering, “Does Ross take Apple Pay, or do I have to dig out my wallet again?” The short answer: yes, Ross Dress for Less accepts Apple Pay in its physical stores—and that makes checkout way smoother.
In this guide, I’ll walk you through exactly how Apple Pay works at Ross, where it’s accepted, what the limitations are, and what other payment options you can fall back on.
Does Ross Take Apple Pay at All Locations?
As of 2025, Ross takes Apple Pay at all of its physical store locations in the United States. Multiple payment and retail sources confirm that Ross upgraded its point-of-sale terminals to support contactless payments like Apple Pay across the chain.
That means when you shop in-store, you can tap your iPhone or Apple Watch at the contactless reader instead of swiping a physical card. Apple Pay transactions run over the same card network you’ve linked in your Wallet app, but with added tokenization security.
One thing to note: Apple Pay at Ross is currently an in-store feature only. Ross does not operate a full traditional e-commerce site, and available online purchasing options do not support Apple Pay at checkout.
How Do You Use Apple Pay at Ross?
Using Apple Pay at Ross feels just like using it at any other retailer that supports contactless payments. Once your card is set up in Wallet, checkout is basically a tap-and-go experience.
At the register, you simply hold your iPhone or Apple Watch near the contactless terminal and authenticate with Face ID, Touch ID, or your passcode. The transaction uses an encrypted token instead of your actual card number, which reduces the chances of your payment data being exposed or skimmed.
Many Ross shoppers also use a Ross Credit Card or Ross Mastercard and add it to Apple Wallet. Ross and its card issuer (Comenity) explicitly support loading these cards into Apple Pay, which means you can still earn Ross rewards while paying with your phone instead of plastic.
Does Ross Take Apple Pay Online or in an App?
Here’s where things get a little less exciting.
While Ross takes Apple Pay in stores, it does not support Apple Pay for online purchases at this time. Ross’ main website focuses on promotions, store information, gift cards, and its credit card program, but it doesn’t function as a full e-commerce platform with a robust checkout flow.
So if you’re trying to place an order online or through a third-party “buy now, pay later” setup, you’ll typically be using:
- A credit or debit card
- A Ross gift card
- A virtual card from a BNPL provider like Sezzle or Klarna (which you then enter like a normal card)
For now, think of Apple Pay at Ross as an in-store convenience, not an online payment solution.
What Other Payment Methods Does Ross Accept?
Even if Apple Pay fails or your phone battery dies, you still have plenty of options at Ross. According to multiple payment and retail sources, Ross typically accepts:
- Major credit cards (Visa, Mastercard, American Express, Discover)
- Debit cards
- Cash
- Ross gift cards
- Personal checks (with valid ID in many locations)
- Buy Now, Pay Later options via virtual cards from providers like Sezzle or Klarna
On top of that, Ross also supports other contactless wallets such as Google Pay and Samsung Pay in-store, so Android users aren’t left out.
Is It Safe to Use Apple Pay at Ross?
Yes—Apple Pay is generally safer than pulling out a physical card.
When you tap to pay at Ross, Apple Pay sends a unique, one-time token instead of your actual card number, which makes it harder for fraudsters to capture usable payment data.
Your card details are not shared directly with Ross, and every transaction must be authenticated with biometrics or a passcode on your device.
Add the fact that Ross’ terminals now support secure NFC technology, and you get a combination of speed, convenience, and security that’s tough to beat for everyday discount shopping.
Frequently Asked Questions
1. Does Ross take Apple Pay at every store?
Yes, current data indicates that Ross accepts Apple Pay at all of its physical store locations in the United States. The company upgraded its checkout terminals to support mobile wallets like Apple Pay, Google Pay, and Samsung Pay, meaning you can tap to pay at the register instead of swiping a card.
That said, individual device or terminal issues can occasionally cause a failure, so it’s always wise to keep a backup card or cash handy.
2. Does Ross take Apple Pay for online orders?
Right now, Ross does not support Apple Pay for online purchases. Their website offers store info, gift card options, and credit card management, but it’s not set up like a full online shop with mobile wallet checkout.
If you buy something through a partner or a BNPL provider, you’ll normally enter a regular card number or virtual card, not use Apple Pay directly. For Apple Pay, you’ll need to shop in-store.
3. Does Ross accept other mobile wallets besides Apple Pay?
Yes. Along with Apple Pay, Ross also accepts Google Pay and Samsung Pay for in-store purchases, as long as your device supports NFC and you have a card loaded into your wallet app.
The payment experience is almost identical: you unlock your phone or watch, hold it near the reader, and authenticate. This makes Ross pretty friendly to both iOS and Android users who prefer to leave physical wallets at home.
4. Why is my Apple Pay not working at Ross?
If Apple Pay isn’t working at Ross, it’s usually a simple technical hiccup. Make sure NFC is enabled on your iPhone or Apple Watch, confirm that the card in your Wallet is active and supported, and check that you’ve authenticated properly with Face ID, Touch ID, or your passcode.
Sometimes the terminal itself has an issue or your bank declines the transaction. In those cases, trying again, restarting your device, or switching to the physical card linked to Apple Pay usually solves it.
Checkout Like a Pro: Final Thoughts on “Does Ross Take Apple Pay?”
So, does Ross take Apple Pay? Yes—Ross now supports Apple Pay at all its physical store locations, giving you a fast, secure, and convenient way to pay while you hunt for deals. Just don’t expect to use Apple Pay on Ross’ website or for traditional online checkouts yet.
If you’re an in-store shopper who hates fumbling for cards, Apple Pay at Ross is absolutely worth using. Add your preferred card (or Ross Credit Card) to Apple Wallet, tap your device at the register, and you’re out the door with your bargains in seconds.
