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Does In-N-Out Take Apple Pay In 2022? (Quick Answer!)

Jamey Muller
Updated: July 6, 2022
5 min read

It’s not surprising if In-N-Out is one of your favorite fast-food chains on the planet. It’s also not surprising if, just like 500 million other people, you have switched to Apple Pay as one of your primary payment methods. But now you’re wondering if you’ll be able to use it to pay for your go-to Double-Double combo.

Does In-N-Out accept Apple Pay? Let’s find out.

Here’s if In-N-Out Takes Apple Pay In 2022:

The convenience of fast food and fast, cashless payments should go hand in hand, and the good news is, In-N-Out does take Apple Pay payments in 2022. Yay for you! In fact, they started accepting Apple Pay at all their branches nationwide last year.

Contactless purchases have pretty much become the norm during the past couple of years due to the pandemic, which is largely the reason why there was an influx of Apple Pay users in 2020. It only makes sense for stores to follow and begin accepting it as a legitimate payment method. 

How to Use Apple Pay at In-N-Out (Step-By-Step)

Using Apple Pay at In-N-Out is fairly simple and hassle-free, which is truly the point of all this. The best part is that they accept it both via dine-in and drive-thru.

For dine-in payments, follow these steps:

  1. Place your order.
  2. When you're ready to pay, place your device on the contactless reader.
  3. Confirm your purchase through your face ID.

Drive-thru payments are done in the same way, with the only difference being that the contactless reader is held towards you by the employee through the window.

But that’s not all. You can even use your Apple Watch to pay using Apple Pay. I think that’s beyond awesome. 

To pay using your Apple Watch, follow these steps:

  1. Double click on the side button of your dial.
  2. Your Apple Pay app will open.
  3. Place your watch near the contactless reader.
  4. Once you are ready, enter your passcode.
  5. Your payment will be processed.

Do You Get Cashback When Using Apple Pay at In-N-Out?

Another great feature of using Apple Pay is cashbacks. As long as the store you’re using it in offers cashbacks, you are definitely eligible for them. 

Luckily for its devoted patrons, In-N-Out also happens to offer cashbacks when you use Apple Pay, and the best part is that they don’t enforce transaction limits.

You can keep coming back and keep paying with Apple Pay as much as you want, and you’ll get up to 3% cashback on every purchase. 

What Are the Benefits of Using Apple Pay at In-N-Out?

Just like any other type of digital wallet, using Apple Pay comes with a lot of benefits. The purpose is to entice more people into switching over to entirely digital, cashless payment methods because of their convenience, among other things.

These benefits include:

  • Special discounts and opportunities to save money
  • Faster transactions and one-click payments when you’re in a hurry
  • Less dependence on cash, especially since we’re living in a pandemic

Is It Safe to Use Apple Pay at In-N-Out?

It’s understandable for people to be concerned with the safety and security of linking your cards to a digital wallet, but you can rest assured that Apple Pay is highly secure regardless of where you use it. 

First and foremost, your Face ID, Touch ID, or passcode is required to move forward with any payment transaction, and that’s true whether you’re using your iPhone, Apple Watch, iPad, or Mac.

Aside from that, your card number and identity aren't shared with merchants, and your actual card numbers aren't stored on your device or on Apple servers. It’s even safer than using your physical card. 


Are There Any Fees for Using Apple Pay at In-N-Out?

There are no fees when you use your Apple Pay at In-N-Out or any other merchant. It doesn’t cost you anything extra to use it. It’s literally just like using your credit or debit card, except faster, safer, and more convenient. 

The only fees that apply when you use Apple Pay are transfer fees for when you send Apple Cash to your bank account or debit card, but that’s standard.

Is There a Limit for Using Apple Pay at In-N-Out?

Apple Pay itself doesn’t have any limits, but Apple Cash does. However, that’s more on sending and receiving funds and the like. 

You can freely use Apple Pay however many times you want at In-N-Out, and there shouldn’t be any problem (other than your health, perhaps). This can only benefit both Apple Pay and In-N-Out’s sales, so I don’t think imposing a limit would make sense. 

What Should You Do if Your Payment With Apple Pay at In-N-Out Got Declined?

Being that it’s completely digitized, there are times when you may encounter some issues, such as your Apple Pay getting declined.

Most of the time, it has something to do with whether or not the card linked to it has enough funds. Therefore, the first thing you must do is to determine what may be causing the issue. 

Below are some things you can do to resolve it:

Change/Update Your Payment Information

It goes without saying that any wrong or outdated information can lead to any digital transaction getting declined, and the same goes for Apple Pay. Make sure that every piece of information you’ve provided is accurate, and update it if and when necessary.

Check Your Connection

An unstable or intermittent internet connection could also be the reason, so double-check and try again. You may also have to restart your iPhone or whatever Apple device you’re using to refresh the internet connection. If it’s a server issue, however, you have to wait before attempting to make another payment.

Check Transaction Limits 

Another thing that could be keeping you from making purchases using Apple Pay is whether or not your bank has placed limits on your card. If you have exceeded it, then the transaction will surely get declined. 

Check With Card Issuer

There are times that you may have to check with your bank or card issuer if the card is allowed to make only online purchases or in-store purchases or both. Get in touch with them and clarify the reasons why your card is getting declined, work on a solution.


Apple Pay FAQs

Written by
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.
Have any questions? Write us a message.
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.