Does Mariano’s Take Apple Pay

Mariano’s is a well-known grocery store chain with multiple locations across the United States. It’s a favorite shopping destination for fresh produce, groceries, and other household items. This article provides clarity on whether Mariano’s accepts Apple Pay or not. 

Does Mariano’s Take Apple Pay?

No, Mariano’s does not accept Apple Pay. However, they do have their mobile payment app called Kroger Pay, which can be used to pay with your phone at participating in-store locations in the Kroger Family of Companies in the United States, including Mariano’s. 

It is important to note that while Mariano’s does not accept Apple Pay, the grocery store has provided several options for customers to use when paying either in-store or online. They’ve got their mobile app, Mariano’s, which can be used for seamless shopping and online payment. For clarity on how all these works, continue reading. 

Can I Pay with My Phone at Mariano’s?

You can pay with your phone at Mariano’s using the Kroger Pay app. Kroger Pay is a contact-free way to pay for your groceries through the mobile app, and it can be used at participating locations in the Kroger Family of Companies, including Mariano’s.

Customers who want to use their phones to pay at Mariano’s will not be allowed to use either Apple Pay, Google Pay, or Samsung Pay. Kroger Pay works like these contactless payments and Mariano’s has adopted its use as a child company under the Kroger Family of Companies

How to Use Kroger Pay at Mariano’s

To use Kroger Pay at Mariano’s, follow the steps below:

  1. Download the app from your device’s app store
  2. Create an account if you do not have one or log in if you have an account already
  3. Link your preferred payment method to the app which could be a credit or debit card
  4. Once you are done shopping at Mariano’s, access the app on your phone
  5. Enter your four-digit PIN or scan your QR code at the checkout terminal

Your payment will be automatically processed if you have enough funds to cover the purchase. 

Why Does Mariano’s Not Accept Apple Pay?

It is hard to determine why Apple Pay is not among the payment methods used by Mariano’s. However, the following are a few, obvious reasons:

Kroger Pay

Being a member of the Kroger Family of Companies, Mariano’s has adopted Kroger’s contactless payment provision, Kroger Pay. 

Loyalty Rewards

Mariano’s wants to integrate their loyalty rewards system with their checkout experience, and they believe that using Kroger Pay is the best way to achieve this. By using Kroger Pay, customers can earn fuel points for every dollar they spend inside the store, which can be redeemed for discounts on gas at participating fuel centers. 


Mariano’s wants more control over their checkout experience than Apple Pay would give them. By using Kroger Pay, Mariano’s can control their checkout experience while integrating their loyalty rewards system.

Size Constraints 

Mariano’s is a smaller chain compared to other grocery stores, and this may be a reason why they have not yet integrated Apple Pay into their checkout registers. 

What Other Payment Methods Are Used at Mariano’s?

Aside from Kroger Pay, other payment methods are accepted at Mariano’s. They include:

  • Credit cards: Mariano’s accepts major credit cards including Mastercard, Visa, Discover, and American Express.
  • Debit cards: Customers can use their debit cards to make payments at Mariano’s.
  • SNAP EBT: Mariano’s accepts SNAP EBT (Supplemental Nutrition Assistance Program Electronic Benefit Transfer) for grocery pickup and delivery.
  • Cash: Mariano’s accepts cash payments.
  • Money services: Customers can use various money services offered at Mariano’s, such as cashing checks, sending money, and paying bills.

What Other Payment Methods Are Accepted For Online Purchases At Mariano’s?

For online purchases at Mariano’s, customers can pay using the following payment methods:

  • Credit cards: Mariano’s accepts Mastercard, Visa, Discover, and American Express credit cards for online purchases.
  • SNAP EBT: Customers who are eligible for SNAP EBT benefits can use their EBT card to pay for online grocery pickup and delivery orders.
  • Debit cards: Customers can also pay for online orders using a debit card.

Mariano’s does not accept cash, checks, or gift cards for online purchases at this time. 

Can I Use Kroger Pay to Pay for Online Purchases at Mariano’s?

No, you cannot use Kroger Pay to pay for online purchases at Mariano’s. Kroger Pay can only be used in-store at attendant or self-checkout lanes, in-store Pharmacy checkout, and Beer, Wine, and liquor locations (where available). 

However, Mariano’s does offer online grocery pickup and delivery services through their website, which allows customers to order groceries online and pick them up at their local store. 

Customers can pay for their online orders using a debit or credit card, and they can also use digital coupons and discount codes to save money on their purchases

Can I use a debit card to pay for my purchase at Mariano’s?

Yes, you can use a debit card to pay for your purchase at Mariano’s. Mariano’s accepts debit cards from major networks such as Mastercard and Visa, as well as their own Kroger Rewards Debit Card, which allows customers to earn rewards points for every purchase they make. 

What are the Benefits of Using a Debit Card to Pay for Purchases at Mariano’s?

There are several benefits of using a debit card to pay for purchases at Mariano’s:

  1. Safer and more secure transactions: When using a Kroger Rewards Debit Card, the transaction is safer and more secure than any transaction completed with a card that does not require you to enter a PIN.
  2. Rewards and discounts: Customers can earn rewards and discounts every time they make a purchase with Mariano’s payment card, including the Kroger Rewards Debit Card and credit card options.
  3. Additional loyalty points and benefits: Mariano’s may offer additional loyalty points or benefits from time to time when customers use the Kroger Rewards Debit Card or a credit card that bears the Mariano’s logo.
  4. Convenience: Paying with a debit card is a convenient way to make purchases at Mariano’s, as customers can choose to enter their PIN or sign for their purchase, depending on the card and the transaction amount.
  5. Maximize household savings: By connecting a Rewards debit or credit card with Kroger Pay, customers can stack their savings and maximize their household savings. 

Are There Any Additional Fees for Using a Credit Card at Mariano’s?

Mariano’s does not charge any additional fees for using a credit card to pay for purchases in-store or online. However, it’s important to note that some credit cards may have their fees, such as annual fees or foreign transaction fees, which are charged by the credit card issuer and not by Mariano’s. 

Customers should check with their credit card issuer to understand any fees associated with their credit card. Additionally, Mariano’s has faced a class action lawsuit alleging that they unlawfully assessed surcharges on debit card transactions asking for cash back. This lawsuit does not pertain to credit card transactions. 

Does Mariano’s Accept EBT?

Yes, Mariano’s accepts SNAP EBT for grocery pickup and delivery orders. Customers who are eligible for SNAP EBT benefits can use their EBT card as a payment option when placing an online order for pickup or delivery. 


Is Apple Pay free to use at Mariano’s?

Yes, Apple Pay is a free service, and Mariano’s does not charge any additional fees for using it.

Can I use Apple Pay on any Apple device?

Apple Pay is available on most Apple devices, including iPhones, iPads, Apple Watches, and Macs.

Is Apple Pay more secure than using a physical credit card?

Yes, Apple Pay is considered more secure because it uses tokenization and biometric authentication, reducing the risk of card information theft.

Are there any rewards for using Apple Pay at Mariano’s?

Some credit cards linked to Apple Pay offer rewards and cashback for transactions, so it’s worth exploring your card’s benefits.

Is Mariano’s a part of Kroger?

Yes, Mariano’s is under Kroger. Kroger is the parent company of Mariano’s, having bought the chain’s parent company, Milwaukee-based Roundy’s, for $800 million in 2015. Kroger is one of the largest traditional grocery operators in the United States, and it owns several other grocery store chains, including Baker’s, City Market, Dillons, Food 4 Less, Foods Co, Fred Meyer, Fry’s, Gerbes, Jay C, and more. 

Final Thoughts on Does Mariano’s Take Apple Pay?

With a reputation for quality and customer service, Mariano’s continually strives to enhance the shopping experience. While they do not accept Apple Pay for payments, they offer Kroger Pay which is a close substitute for contactless payments. Mariano’s also offers a range of payment methods to accommodate customers’ needs. They accept major credit and debit cards, including Mastercard, Visa, Discover, and American Express. SNAP EBT is also accepted for grocery pickup and delivery services.

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