Payment, Financing, Refunds and VAT - Shopping Help - Apple

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Read about the variety of payment options you can choose from when you purchase from apple.com, and learn how the tax on your order is calculated. Also, get more information about special pricing, offers, promotions, and other great deals with limited time availability.

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Payment Tax Education Pricing U.S. Government Pricing Promotions, Rebates, and Coupons Payment Payment methods

Apple accepts a variety of payment methods online. Click on a payment method below to find out more:

Apple Pay Apple Card Credit Cards or Debit Cards PayPal Apple Business Lease (AFS Commercial Credit) Apple Gift Cards Apple Account Balance

Note: Business lease, wire transfers, and money orders are ineligible payment methods for pickup items.

Some payment types are ineligible for orders that ship to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will either need to change the payment method, or ship your order to a single address.

Some customers may qualify for other forms of payment. Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

Using more than one payment method

You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and gift cards: Credit card(s) - up to two Apple Gift Card(s) - up to eight Apple Gift Card(s) - up to eight + one credit card Apple Gift Card(s) - up to eight + Apple Account Balance Apple Gift Card(s) - up to eight + Apple Account Balance + one credit card Apple Gift Card(s) - up to eight + Apple Pay Apple Gift Card(s) - up to eight + Apple Account Balance + Apple Pay Apple Account Balance + one credit card Apple Account Balance + Apple Pay

Please note that you can use the value from all types and generations of Apple gift cards. For more details, see: How to use Apple Gift Cards and App Store & iTunes Gift Cards How to use Apple Store Gift Cards

During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

Credit Cards or Debit Cards Troubleshooting credit card & debit card payment errors If your card is new or recently reissued, make sure it has been activated. Double check the card type (for example, American Express), the account number and expiration date. Remove dashes or spaces from the account number. If everything seems to be correct, call the card issuer's customer service 800 number on the back of your card. Your credit card company may need to speak with you before they authorize your purchase. Account verification

To prevent any unnecessary delays processing your order, please ensure that the billing addresses on your order matches the information on your credit card account. If you have recently moved or are unsure whether you receive your credit card statement at your work or home address, please contact your card-issuing bank using the 800 number on the back of your credit card to confirm.

Security codes

The card security code is a unique three or four digit number printed on the front (American Express) or back (Visa/MasterCard/Discover) of your card, in addition to the account number.

American Express:

Visa/MasterCard/Discover:

Daily spending limits for Debit Cards

Most debit and check cards have daily spending limits that may substantially delay the processing of an order — even if there is enough money in an account. When using a debit card, funds are immediately reserved in your bank account at the time you place your order. Please consult your card-issuing bank for information about your daily spending limits if you are having trouble placing your order.

When Apple charges your account

Apple receives authorization to charge your account prior to shipping your item(s). However, your card will only be charged after your order has shipped. If your order contains multiple items and they ship at different times, you may see multiple charges on your credit card statement.

Credit cards accepted

In the U.S., we accept: American Express Discover MasterCard UnionPay Visa

If you are paying for your order with an international Visa, MasterCard, American Express, or UnionPay credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.

Any gift card issued by a credit card company can be used as a method of payment when buying from Apple online. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

PayPal

When you place an order with PayPal you will be redirected to the PayPal website. There you will then need to login with your PayPal username and password.

If your order consists of multiple deliveries, your PayPal account will be charged separately for each shipment.

Apple Gift Cards

The Apple Gift Card was introduced in 2020 and is now the gift card to use in purchasing products, accessories, apps, games, music, movies, TV shows, iCloud, and more from Apple. Apple Gift Cards can be used in the Apple Store, the Apple Store app, apple.com, the App Store, iTunes, Apple Music, Apple TV, Apple Books, and other Apple properties.

You can use Apple Gift Cards to pay for products, subscriptions, and services from Apple online. Or spend Apple Gift Cards at the Apple Store or by calling 1-800-MY-APPLE. You cannot pay for an Apple Gift Card with an Apple Gift Card or Apple Account Balance. Apple Gift Cards can be used only in the country or region in which they were purchased.

You can use up to eight Apple Gift Cards at a time when you purchase online from Apple, or if you’re placing an order by calling 1‑800‑MY‑APPLE. You can use your gift card(s) with an Apple Account Balance and Apple Pay or one credit card.

Any value on an App Store & iTunes Gift Card or Apple Store Gift Card in your possession is valid.

To redeem any Apple Gift Card or App Store & iTunes Gift Card into your Apple Account Balance, simply enter or scan the PIN. We send electronic Apple Gift Cards to the card recipient via email. Using this email, the recipient can easily redeem the card’s value to their Apple Account Balance for online purchases or use the PIN at an Apple Store, on apple.com, and in the Apple Store app.

For physical Apple Gift Cards, the PIN can be found on the gift card insert. On previous-generation Apple gift cards, reveal the PIN by peeling or scratching off the covered area on the back of the card. For electronic gift cards, the PIN can be found in the email. Please keep the card in your possession until the order has been processed and delivered.

Apple Gift Cards and Apple Account Balance are subject to applicable terms and conditions. Learn moreabout Apple Cards & Apple Account balance

Ready to buy an Apple Gift Card? Buy online for yourself or someone else >

How to Use Apple Gift Cards

Apple Gift Cards can be used to pay for products and accessories as well as apps, games, music, movies, TV shows, iCloud storage, and more. Apple Gift Cards can be used on apple.com, in the Apple Store app, by phone, or in person at the Apple Store. You can also redeem Apple Gift Cards into your Apple Account Balance to buy products, apps, content, and services online from Apple. Apple Gift Cards can be used only in the country or region where they were purchased.

In an Apple Store, simply present the physical card or email to the cashier at time of payment. If you are using your Apple Gift Card over the phone at 1‑800‑MY‑APPLE, you'll need to provide the PIN (located on the back of the card insert or in the gift card email). Remember to keep the card in your possession until your item(s) have been delivered.

You can use up to eight Apple Gift Cards at apple.com or when placing an order over the phone at 1‑800‑MY‑APPLE. You can use up to 20 Apple Gift Cards for one transaction when you purchase at an Apple Store. You can use your Apple Gift Card(s) with an Apple Account Balance and Apple Pay or one credit card. Apple Gift Cards cannot be used to purchase another Apple Gift Card.

Apple receives authorization to charge your Apple Gift Card at the time your order is placed and will hold the funds until your order has shipped and the card has been charged. If your order contains multiple items and they ship at different times, you may see multiple charges.

Checking Your Apple Gift Card Balance

You can check your gift card balance online by entering the PIN from any Apple gift card. See the Apple Account Balance section for details on how to redeem your gift card into your Apple Account Balance for online shopping, apps, content, and services.

How to Use Apple Store Gift Cards

The Apple Store Gift Card has been replaced with the Apple Gift Card. Of course, any value remaining on an Apple Store Gift Card in your possession is still valid. Apple Store Gift Cards can only be used to purchase products classified as finished goods — including iPhone, iPad, Mac, Watch, Apple TV, AirPods, HomePod, and accessories like headphones, cases, cables, adaptors, and much more. You can only purchase physical products with an Apple Store Gift Card on apple.com, in the Apple Store app, and at the Apple Store.

Apple Store Gift Cards are not eligible to be redeemed into your Apple Account Balance and cannot be used to purchase content or services (e.g., music, movie, apps, iCloud)

Apple receives authorization to charge your Apple Store Gift Card at the time your order is placed and will hold the funds until your order has shipped and the card has been charged. If your order contains multiple items and they ship at different times, you may see multiple charges.

How to Use Apple Gift Cards and App Store & iTunes Gift Cards

The App Store & iTunes Gift Cards (previous generation) can be redeemed into your Apple Account Balance. Additionally, you can apply your gift card by entering the PIN during the payment step in checkout on apple.com or in the Apple Store app, or when shopping via 1-800-MY-APPLE. Apple Gift Cards can’t be used with PayPal or split credit card payments.

Apple receives authorization to charge your App Store & iTunes Gift Card at the time your order is placed and will hold the funds until your order has shipped and the card has been charged. If your order contains multiple items and they ship at different times, you may see multiple charges.

Lost or Stolen Cards

To report a lost or stolen Apple Gift Card (or any previous-generation Apple gift card), please contact Apple at any Apple Store location or by telephone at 1‑800‑MY‑APPLE. Replacement cards will be issued after Apple verifies that the lost or stolen card has not been redeemed and you present your original purchase receipt. Apple is not responsible for lost or stolen gift cards.

Apple Account Balance

Redeem Apple Gift Cards or add money directly into your Apple Account Balance anytime. Then use the balance to pay for Apple products, accessories, apps, games, music, movies, TV shows, iCloud, and more. You can check your Apple Account Balance online.

To use your Apple Account Balance to buy products on apple.com or in the Apple Store app, make sure you are signed in with your Apple Account. Then simply choose an amount to apply to your purchase during the payment step in checkout. You can use the funds from your Apple Account Balance in combination with Apple Pay or one credit card and up to eight Apple Gift Cards. See Payment for details on using more than one payment method.

You can redeem Apple Gift Cards and App Store & iTunes Gift Cards into your Apple Account Balance on iTunes, Apple Music, Apple TV, or the App Store. Visit any of these Apple apps or sites and tap your Apple Account avatar or choose Account from the main menu. Select “Redeem Gift Card or Code” or “Redeem,” then scan or enter the gift card PIN. The funds will appear in your Apple Account Balance to use for shopping, listening, watching, playing, working, and more.

Apple receives authorization to charge your Apple Account Balance at the time your order is placed and will hold the funds until your order has shipped and the account has been charged. If your order contains multiple items and they ship at different times, you may see multiple charges.

Please note that your Apple ID Balance is now your Apple Account Balance.

Tax Tax rate

In accordance with state and local law, your online purchases from Apple will be taxed using the applicable sales tax or seller's use tax rate for your shipping address, or the Apple Store address where the item is picked up.

The tax listed during checkout is only an estimate. In California and Rhode Island, sales tax is collected on the unbundled price of the iPhone.

Your invoice will reflect the final total tax, which includes state and local taxes, as well as any applicable rebates or fees.

Tax-exempt orders

To place an order on behalf of a tax-exempt organization or individual, please call an Apple Store Specialist at 1‑800‑MY‑APPLE. You will need to provide proof of state tax-exempt status for the state where the product is being shipped. The organization or individual name on the order must exactly match the state tax-exempt certificate. Federal tax exemption certificates are not applicable.

Note, for corporate tax-exempt purchases, only corporate-issued credit cards for the applicable tax-exempt organization will be accepted as a method of payment (i.e., no cash, personal check, or personal credit cards will be accepted).

Education Pricing

Apple offers special pricing to students, teachers, administrators, and staff members. We also offer special pricing for home-schooling programs, pre-kindergarten, and purchases made on behalf of students.

If you live in the U.S., visit the U.S. Apple Store for Education to place your order for reduced prices on the full range of Mac computers, plus select third-party products. Please note that only orders placed on your country’s or region’s Apple Education site are eligible for the special education pricing.

U.S. Government Pricing

Apple offers special pricing to local, state, and federal government employees and agencies. Visit our online Apple Government Stores (Opens in a new window) to view reduced prices. Please note that only orders placed on our online Apple Government Stores (Opens in a new window) are eligible for the government pricing.

Shop for yourself Federal Employee Store

Apple's Federal Government Employee Purchase Program (Opens in a new window) offers special pricing for the following U.S. Federal Government employees who want to purchase Apple products for personal use:

Current and retired Contractors Family members

Current, former, retired members, and family members of the following government entities are eligible:

U.S. Military National Guard Reserve State and Local Government Employees

Apple's State and Local Government Employee Purchase Program (Opens in a new window) offers special pricing for employees of State and Local Government Agencies who want to purchase Apple products for personal use.

Shop for your agency State and Local Government Store

Use Apple's State and Local Government Store (Opens in a new window) to purchase Apple and third-party products using terms with Apple or via procurement card.

Promotions, Rebates, and Coupons

Visit the Product Promotions (Opens in a new window) homepage for a list of limited-time offers and to learn more about how to qualify as well as review any Terms and Conditions for each promotion.

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United States Copyright © 2026 Apple Inc. All rights reserved. Privacy Policy Terms of Use Sales and Refunds Legal Site Map SALES & REFUND TERMS AND CONDITIONS (“TERMS”) U.S. Sales and Refund Policy

Thanks for shopping at Apple. We appreciate the fact that you like to buy the cool stuff we build. We also want to make sure you have a rewarding experience while you’re exploring, evaluating, and purchasing our products, whether you’re at the Apple Online Store, in an Apple Retail Store, or on the phone with the Apple Contact Center. (To make it visually easier on both of us, we’ll refer to these entities as the “Apple Store” in this policy.)

As with any shopping experience, there are terms and conditions that apply to transactions at an Apple Store. We’ll be as brief as our attorneys will allow. The main thing to remember is that by placing an order or making a purchase at an Apple Store, you agree to the terms set forth below along with Apple’s Privacy Policy (Opens in a new window) and Terms of Use(Opens in a new window).

Standard Return Policy

We fundamentally believe you will be thrilled with the products you purchase from the Apple Store. That’s because we go out of our way to ensure that they’re designed and built to be just what you need. We understand, however, that sometimes a product may not be what you expected it to be. In that unlikely event, we invite you to review the following terms related to returning a product.

For any undamaged product, simply return it with its included accessories and packaging along with the original receipt (or gift receipt) within 14 days of the date you receive the product, and we’ll exchange it or offer a refund based upon the original payment method. In addition, please note the following:

Products can be returned only in the country or region in which they were originally purchased. The following products are not eligible for return: electronic software downloads, subscriptions to the Software-Up-To-Date program, Apple Store Gift Cards, and any Apple Developer Connection products. For returns to an Apple Retail Store for cash, cash equivalent, and check transactions over $750, Apple will mail a refund check to you within 10 business days. Should you wish to return ten or more of the same product, you must return to the Apple Store where originally purchased. In the case of items returned with a gift receipt, Apple will offer you an Apple Gift Card. If you paid for any portion of an item with your Apple Account balance, and are owed a refund for returning or cancelling it, we issue that portion of refund back to your Apple Account balance. However, we will issue this refund amount on an Apple Gift Card by email if your Apple Account balance is at or near the maximum limit. Opened software cannot be returned if it contained a seal with the software license on the outside of the package and you could read the software license before opening its packaging. As an exception, you may return Apple-branded software if you do not agree to the licensing terms; however, you may not retain or otherwise use any copies of returned software. Apple provides security features to enable you to protect your product in case of loss or theft.  If these features have been activated and cannot be disabled by the person in possession of the phone, Apple may refuse the return or exchange. For complete details on how to return a product purchased at the Apple Store please visit the Returns & Refunds (Opens in a new window) page.
Return of AppleCare+ under an iPhone Upgrade Program

Should you return the AppleCare+ portion of your iPhone Upgrade Program, please note that you will lose your Upgrade Option as set forth under the terms of the iPhone Upgrade Program(Opens in a new window).

iPhone, iPad and Watch Returns - Wireless Service Cancellation

Wireless carriers have different service cancellation policies. Returning your iPhone, iPad or Watch may not automatically cancel or reset your wireless account; you are responsible for your wireless service agreement and for any applicable fees associated with your wireless account. Please contact your wireless service provider for more information.

Apple Watch Returns

Apple Watch from the Edition collection may only be returned or exchanged if it’s in its original, undamaged and unmarked condition after passing inspection at Apple’s offsite facility. Depending on your original form of tender, a check, wire transfer, or refund to your debit/credit card will be issued within 10 business days provided the returned item is in its original condition.

Additional Apple Product Terms

The purchase and use of Apple products are subject to additional terms and conditions found at http://apple.zhutiblog.com/com/legal/sla/ (Opens in a new window) and http://apple.zhutiblog.com/com/legal/warranty/(Opens in a new window).

Making unauthorized modifications to the software on an iPhone violates the iPhone software license agreement. The common term for modifying an iPhone is jail-breaking, with a particular emphasis on the second part of that term. That’s why we strongly, almost emphatically, recommend that you do not do so. Really. Should you be unable to use your iPhone due to an unauthorized software modification, its repair will not be covered under the warranty.

Pricing and Price Reductions/Corrections

Apple reserves the right to change prices for products displayed at/on the Apple Store at any time, and to correct pricing errors that may inadvertently occur. Additional information about pricing and sales tax is available on the Payment & Pricing (Opens in a new window) page. In the event you have been charged more than the posted price for a product in an Apple Retail Store, please see a Manager for a refund of the overcharge.

Should Apple reduce its price on any Apple-branded product within 14 calendar days from the date you receive your product, feel free to visit an Apple Retail Store or contact the Apple Contact Center at 1-800-676-2775 to request a refund or credit of the difference between the price you were charged and the current selling price. To receive the refund or credit you must contact Apple within 14 calendar days of the price change. Please note that this excludes limited-time price reductions, such as those that occur during special sales events, such as Black Friday or Cyber Monday.

Price protection is only available for up to 10 units of a particular product. Additionally, we may require that you have the product with you or otherwise have proof of possession when requesting price protection.

Prices shown are in U.S. dollars. If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.

Order Acceptance/Confirmation

Apple may, in its sole discretion, refuse or cancel any order and limit order quantity. Apple may also require additional qualifying information prior to accepting or processing any order. Once we receive your Online or Call Center order, we’ll provide you with an email order confirmation. Your receipt of an order confirmation, however, does not signify Apple’s acceptance of your order, nor does it constitute confirmation of our offer to sell; we are simply confirming that we received your order. The Apple Store reserves the right at any time after receiving your order to accept or decline your order for any reason. If Apple cancels an order after you have already been billed, Apple will refund the billed amount.

Shipping & Delivery

Please review the Shipping & Pickup (Opens in a new window) page to learn about how and when you will receive the products you purchased from the Apple Store. Since the actual delivery of your order can be impacted by many events beyond Apple’s control once it leaves our facilities, Apple cannot be held liable for late deliveries. We will, however, work with you to ensure a smooth delivery.

As Apple takes care of the dispatch of the products you purchase on the Apple Store, the risk of loss of, or damage to, product(s) shall pass to you when you, or a person designated by you, acquires physical possession of the product(s). Title in the product(s) shall pass to you when the product(s) is picked up by the carrier from our warehouse. At this point, you will receive the Shipment Notification Email. If there are any issues with delivery, please contact Apple to resolve. 

In-Store Pickup and Return

Apple offers in-store pickup for many of the items available on the Online Store. Certain products and payment methods, however, may not qualify for in-store pickup. Only you or the person designated by you may pick up the item(s) purchased. A government-issued photo ID and order number will be required for pickup. Apple will notify you when your order is ready and the date by which you need to pick up your items. We’ll also send you a reminder or two, just in case it slips your mind. If you don’t pick up your order, Apple may cancel it. Please click here (Opens in a new window) for complete details about in-store pickup.

Pickup Contact

If you select in-store pickup, you may designate a third party to pick up your order. You must provide the name and email address of the third party. Please note that certain products and payment methods are not eligible for in-store pickup by a third party. The third party will need to bring a government issued photo ID and order number for pickup. Apple is not responsible for actions taken by the third party once your item(s) have been picked up.

Consumers Only

The Apple Store sells and ships products to end-user customers only, and we reserve the right to refuse or cancel your order if we suspect you are purchasing products for resale.

U.S. Shipping Only Products purchased online from Apple will only be shipped to addresses within the U.S. and are subject to U.S. and foreign export control laws and regulations. Products must be purchased, sold, exported, re-exported, transferred, and used in compliance with these export laws and regulations. To purchase Apple products online from outside of the U.S., please click here for international store information.

Product Availability and Limitations

Given the popularity and/or supply constraints of some of our products, Apple may have to limit the number of products available for purchase. Trust us, we’re building them as fast as we can. Apple reserves the right to change quantities available for purchase at any time, even after you place an order. Furthermore, there may be occasions when Apple confirms your order but subsequently learns that it cannot supply the ordered product. In the event we cannot supply a product you ordered, Apple will cancel the order and refund your purchase price in full.

Gift Cards

For Apple Store Gift Card Terms and Conditions, please click here(Opens in a new window).