What payment methods does Macy accept
Macy accepts several payment methods in-store and on Macy.com, including major credit and debit cards, Macy gift cards, PayPal where available, and Apple Pay or Google Pay at checkout. Cash is accepted in physical stores, while online orders can use saved payment methods on file. For the most current list, including any regional variations, it is best to check the payment section on the checkout page or in your account settings on Macy.com.
Credit and debit card payments at Macy
Accepted card networks
Macy typically accepts payment from major card networks for both in-store and online purchases. This commonly includes Visa, Mastercard, American Express, and Discover. Some co‑branded or private-label cards issued by other institutions may be accepted where network compatibility exists. If you are using a store‑issued Macy credit card or Macy gift card, you can apply it toward qualifying purchases online or in-store.
Chip, contactless, and magnetic stripe
In physical locations, Macy supports chip‑and‑PIN, contactless payments, and magnetic stripe swiping or dipping depending on terminal capabilities. Contactless methods such as Apple Pay, Google Pay, and cards with tap‑to‑pay functionality are generally supported. Online, you can use saved card details or enter a card number, expiration date, and security code during checkout.
Gift cards and prepaid options
Macy gift cards and e‑gift cards
Macy gift cards can be used for full or partial payments on purchases, both in-store and on Macy.com. You may apply one gift card per transaction unless otherwise noted in the store’s policy. E‑gift cards are delivered by email and include instructions to add the balance to your account or redeem at checkout using the code.
Third‑party gift cards and prepaid cards
Macy usually does not accept third‑party prepaid or store gift cards from other retailers. If you have a Macy gift card, you can add its balance to your online account or present it in-store for redemption. For specific rules about adding multiple payment types to a single order, review the payment guidelines during checkout or contact Macy customer service.
Alternative payment options and digital wallets
PayPal and similar services
In regions where PayPal is offered, you may select PayPal at checkout to complete your Macy.com order using your PayPal account. This option is typically available during the payment step and may vary by region. Other similar services are generally not supported unless explicitly listed during checkout.
Apple Pay, Google Pay, and contactless methods
Digital wallets such as Apple Pay and Google Pay are commonly accepted online and in-store for eligible cards and devices. These options simplify checkout by using tokenized card details and biometric or device authentication. If you see the contactless or digital wallet symbol at checkout or in the payment form, you can use the corresponding app or device to pay.
Payment security and data protection
Macy uses encryption and secure payment processing to help protect your card details during online transactions. When you save a card on your account, it is stored in a PCI‑compliant environment to support faster checkouts. If you suspect unauthorized activity on your Macy account or card, you should contact Macy customer service and your card issuer right away.
Fees, refunds, and returns
Restocking fees and return refunds
Refunds for returns are typically issued back to the original form of payment, subject to the item’s condition and the applicable return window. If a refund is issued to a Macy gift card, the amount becomes a gift balance. Some items may be subject to restocking fees, depending on the product category and return reason. For the latest policies and any regional differences, review the returns section on Macy.com or the receipt provided with your purchase.
Price differences and authorized holds
When you use a card, your issuer may place a temporary authorization hold on your available credit or debit limit. This hold usually drops off within a few business days after the transaction settles. Final charges reflect the actual purchase amount and any applicable taxes or fees. If your order is split between payment methods, the distribution will appear on the order confirmation.
How to update or manage payment methods on Macy.com
To manage saved cards or add new payment methods, sign in to your Macy account, go to Account Settings or the Checkout section, and choose Payment methods. You can add, remove, or set a default payment option for future purchases. During checkout, you can also choose a different card or payment type for a single order. If you experience issues, try clearing your browser cache, using a different browser, or contacting Macy support with details of the error message you receive.