How To Pay at Target

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Shopping at Target, whether in-store or online, is a convenient experience due to the variety of payment options available. From using your debit or credit card to utilizing mobile payment options, Target provides a plethora of options to make your shopping experience as seamless as possible. This article will provide an in-depth look at how to pay at Target, with plenty of examples and references to guide you.


Target accepts a wide range of payment options including Target RedCard™, third-party credit cards, contactless payments, EBT card payment, mobile payments like Alipay, financing through Affirm, Target GiftCards, and PayPal for online purchases. You can pay using your card at the checkout, use mobile payment by holding your device over the card reader, or use a gift card either in-store or online.

Payment Options at Target

Target accepts an array of payment methods. These include:

  • Target RedCard™: This includes the Target Debit Card, Target Credit Card, and Target™ Mastercard®.
  • Third-party credit cards: American Express, Discover/Novus, and Mastercard.
  • Contactless payments: Target accepts contactless payment methods such as Apple Pay, Google Pay, Samsung Pay, and other contactless digital wallets.
  • EBT card payment: SNAP EBT payment is accepted online, but cash EBT payment is not currently accepted. WIC (Women, Infants, and Children) Program is approved in authorized stores only.
  • Mobile Payments: Alipay is approved in authorized stores.
  • Financing: Affirm financing is available for eligible purchases between $100 and $15,000, including tax.
  • Gift Cards: Target GiftCards can be used for payment.
  • PayPal: Accepted for online purchases.

Using Credit or Debit Cards at Target

Paying with credit or debit cards at Target is straightforward. Simply swipe your card at the checkout or use contactless payment by holding your contactless card, mobile device, or wearable over the card reader screen until the confirmation of successful payment displays on the screen. only accepts one credit card payment per order, and a Target Credit Card® or Target® Mastercard® cannot be combined with the Target Debit Card™.

Mobile Payment Options at Target

Target accepts various mobile payment options, including Apple Pay, Google Pay, and Samsung Pay. To use mobile payment, hold your contactless device or wearable over the card reader screen to initiate payment. Wait for the confirmation that the payment was successful to display on the screen, and then follow the prompts on your device or card reader screen.

Using Checks at Target

Target accepts personal checks for in-store purchases. To pay by check, provide a valid photo ID if requested by the cashier and write the check for the exact amount of your purchase. The cashier will process your check through Certegy’s verification system.

Using Gift Cards or E-Gift Cards at Target

Customers can use both gift cards and e-gift cards at Target stores and on To use a gift card or e-gift card in-store, present the physical gift card or the barcode from the e-gift card to be scanned at the register. For online purchases, apply the gift card during the checkout process by entering the card number and access number.

Returns and Refunds at Target

In most cases, your refund will automatically go back to the original form of payment. If you used multiple forms of payment, your refund may go back to all payment methods used. Refunds to a Target RedCard typically take up to 2 days after the refund has been approved. Refunds to a third-party credit card typically take up to 5 days.


Target offers a wide range of payment options to cater to its diverse customer base. Whether you prefer using your credit card, mobile payment options, or even checks, Target ensures your shopping experience is as convenient as possible. Always remember to check the terms and conditions of your chosen payment method to ensure a smooth transaction.

Frequently Asked Questions

Can I use multiple gift cards for one purchase at Target?

Yes, you can use multiple gift cards for a single purchase at Target. However, only up to 10 gift cards can be used for one transaction online.

Can I pay with a foreign credit card at Target?

Yes, Target accepts foreign credit cards for purchases. However, the card must be a Visa, MasterCard, or American Express.

Can I split payment between a Target RedCard and another payment method?

Yes, you can split payment between a Target RedCard and another payment method. However, only accepts one credit card payment per order, and a Target Credit Card® or Target® Mastercard® cannot be combined with the Target Debit Card™.

Can I use a personal check for online purchases at Target?

No, Target does not accept personal checks for online purchases. Personal checks are only accepted for in-store purchases.

Can I use PayPal for in-store purchases at Target?

No, PayPal is only accepted for online purchases at Target. For in-store purchases, you can use other payment methods like credit or debit cards, mobile payment options, or checks.

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