Want to use Apple Pay at Subway? As someone who orders from Subway weekly, I'll share exactly how it works, including some tricks for faster checkout most people don't know about.
The Quick Answer: Yes, Subway Accepts Apple Pay
After hundreds of Subway orders, I can confirm that every US Subway location accepts Apple Pay, both in-store and at drive-thrus.
The process is quick and painless, but there are some details you should know to make your experience smoother.
How to Use Apple Pay at Subway
Using Apple Pay at Subway is straightforward, but there are a few tricks I've learned to make it even faster.
When you're ready to pay, simply wake up your iPhone, Apple Watch, or iPad.
The payment terminal is usually right at the register, and you'll see the familiar contactless payment symbol (it looks like a sideways WiFi signal).
What many people don't realize is that you can prepare your Apple Pay before reaching the terminal.
Double-click your iPhone's side button while the cashier is still wrapping your sandwich - this saves those precious few seconds when there's a line behind you.
The Subway App + Apple Pay Secret
Here's something most people miss: you can link Apple Pay directly to the Subway app.
This combination is a game-changer because it lets you:
Order ahead and skip the line
Earn MyWay Rewards points automatically
Pay seamlessly without touching your wallet
I've saved countless lunch hours by ordering through the app while still at my desk, paying with Apple Pay, and walking straight to the pickup counter.
Drive-Thru Tips That Actually Work
From my experience using Apple Pay at Subway drive-thrus, here's what you need to know: The card reader extends out to your car window, just like at other restaurants.
But unlike some places, Subway's readers are consistently reliable with Apple Pay - I've never had a failed transaction.
Payment Methods Compared
While Subway accepts numerous payment options, here's how Apple Pay stacks up against others based on my experience:
Apple Pay
Fastest checkout
Most secure
Works with rewards program
Traditional Cards
Reliable backup
Widely accepted
Slower than Apple Pay
Subway App
Best for ordering ahead
Combines with Apple Pay
Earns extra rewards
Pro Tips From a Regular Customer
After countless Subway visits, I've discovered a few tricks:
Save your favorite orders in the Subway app with Apple Pay preset
Use Express Transit mode if your local Subway is in a transit location
Keep your phone's NFC reader clear of metal cases
When Things Go Wrong
Sometimes technology hiccups. If your Apple Pay isn't working at Subway, try these fixes that have worked for me:
First, ensure your iPhone is awake and your default card is selected. If that doesn't work, restart your phone's NFC by toggling airplane mode. As a last resort, Subway's card readers all accept traditional cards as backup.
Looking Ahead
Subway continues to improve its digital payment experience.
They're rolling out new self-service kiosks that work seamlessly with Apple Pay, and the app is regularly updated with new features.
I've noticed they're focusing more on contactless payments, making Apple Pay an increasingly convenient option.
Senior Marketing Consultant
Michael Leander is an experienced digital marketer and an online solopreneur.