Payment methods

The Apple Online Store accepts a variety payment methods.
Click on a payment method below to find out more.

Credit Card or Debit Card

Credit and debit cards are processed immediately and are Apple's preferred payment methods for fast delivery. Learn more about paying by credit or debit cards

When Apple charges your account

When you place an order, Apple will contact your credit or debit card's issuing bank to confirm it is a valid account. Apple requests an authorisation, which holds the funds for the full or partial purchase amount. As Apple prepares your items, authorised funds will be unavailable and may display as “pending" on your credit or debit card's online statement, your card will then be charged after the order has dispatched.

If you cancel your order before your items are billed, any authorisations placed on your credit card account can take up to 30 days to expire and any authorisations placed on your debit card account can take up to 10 days to expire. Contact your financial institution for their specific timeframes.

Wire Transfer

Before Apple can build your order, we must receive payment and clear the funds through your bank. Learn more about paying by wire transfer


Whether you’re buying for yourself, as a gift or buying for your studies, financing on the Apple Online Store is the most affordable way to spread the cost of Apple hardware, software, accessories and services.

Important: If you choose Financing, the delivery date in basket and checkout may not apply. Your delivery date may be later due to the time required to process your financing application. When your application is approved, you will receive an email with the updated delivery date.

Learn more about Finance for Consumers and Education.

Learn more about Finance for Business.

Read frequently asked questions about financing for Consumers and Education on the Apple Online Store:

Frequently asked questions

What is the APR?

You can find the representative APR in the Finance in Detail section here.

What other payment options are available on the Apple Online Store?

As well as financing, you can pay by credit card, debit card or wire transfer.

Can I apply for financing at the Apple Retail Store?

Financing is not currently available through the Apple Retail Store.

How much will my monthly payments be?

Your monthly payments will vary based on your total loan amount and the duration of your loan agreement.

Can I finance a refurbished product?

Financing on the Apple Online Store is not valid with the purchase of used, refurbished or demonstration equipment.

Can I get financing on iPad or iPhone?

You can apply for financing to pay for Apple hardware, software, accessories and other services purchased on the Apple Online Store. You can find the minimum order value here in the Finance in Detail section here.

Can somebody else apply for financing on my behalf?

The finance application process requires your personal information, so you should apply in person.

How is eligibility decided?

Eligibility is decided using a variety of lending criteria. Please ensure all personal information entered during your application is as accurate as possible, this will help with your application.

I am a full-time student. Can I apply for financing on the Apple Online Store?

Student applicants must be in permanent employment for at least 16 hours per week, or living with a spouse or civil partner who is in permanent employment for at least 16 hours per week.

I am on benefits. Can I apply for financing?

Yes you can. You will be required to disclose your benefits during the application process.

How and when does the first payment come out of my account?

All monthly payments are made by direct debit from your personal bank account. Typically, the first payment will be due 30 days after the delivery date of your items, and subsequent monthly payments will be due every month for the length of your term on the same day of the month.

You can change your payment date after the first payment has been taken by calling Barclays Partner Finance at 0844 811 9000.

Can I pay off my loan before the end of the loan agreement?

You can settle your loan agreement at any time. Simply call Barclays Partner Finance at 0844 811 9000 to obtain the settlement figure and pay over the phone using your debit card. Other payment methods are available and Barclays Partner Finance customer services agents will be able to advise you.

If I pay my loan off early is there a penalty?

There is no penalty, but you will be required to pay interest up to the day of settlement. Your settlement figure and date are calculated in line with the Consumer Credit Act.

Can I have my items delivered to any address - e.g. to a work address?

If you buy with finance on the the Apple Online Store, your items must be delivered to your home address.

VAT and Invoicing

Where do I enter my VAT registration number?

If you are buying for a business, you may enter your VAT registration number when you choose your payment method and when you verify your order during the check-out process. The VAT registration number will be printed on your invoice.

What VAT rate will I be charged?

Your Apple Store purchases will be taxed using the applicable VAT tax rate for your country. No intra-community purchases can be made on the Apple Store.

Orders placed in the UK will be subject to a VAT rate of 20 per cent.

VAT refunds on exports

Apple are not permitted to refund any VAT charged on UK purchases due to local legislation restrictions. The Apple Store (UK) is not a part of the Retail Export Scheme, as this scheme does not apply to Internet Sales.

My invoice has not been shipped with my order?

Within 2-3 working days of your order being shipped, you should receive an official Apple invoice by e-mail.

If you do not receive this invoice, or if you require an additional copy for your records, you will be able to print your invoice on our Self Service website.

Why have I received two invoices?

Please be advised if your order consists of multiple line items and includes a one to one membership, the one to one membership will be invoiced separately.


How long does it take to process my refund?

Depending on your payment method, it can take up to 7 working days for the refund to appear in your account once it has been processed by Apple.

Credit cards are not charged until the order has shipped. For any order cancellations prior to shipping, the amount of authorisation held on you card will be removed within 3 days by your credit card company.

Debit cards are charged when the order is placed. For any order cancellations prior to shipping, you will automatically be refunded to your account within 5-7 business days. If your order has already shipped and you wish to return it to obtain a refund, please click here for further information.


Is my personal information safe?

The security of Apple Store servers is closely monitored to prevent any unauthorised disclosure or use of credit card numbers and to protect the confidentiality of your personal information.

The Apple Store uses the SSL (Secure Socket Layer) industry standard, the highest level of security available today for web-secured applications. SSL relies on a pair of public and private key technologies provided by Verisign, Inc. and based on a 40-bit encryption algorithm developed by RSA Data Security, Inc.

How do I log out?

There is no need to log out of your account. As a security measure, you are required to log in for every purchase or change to your account and you will be automatically logged out after inactivity for 30 minutes.

Promotions, Rebates,
and Coupons

Visit the Product Promotions homepage for a list of limited-time offers. You can also view the Product Promotions FAQ to learn more about how to qualify, request an Apple rebate, and any Terms and Conditions for each promotion.

Promotional pricing is usually applied either at the time of your online purchase, or as a rebate after you receive your product.

Check Eligibility & Request a Rebate

To determine eligibility or to request an Apple rebate, visit the Product Promotions homepage and view the Product Promotions FAQ.

Check the status of a rebate

Once you have submitted the requested proof of purchase documents for your rebate, you can check your rebate status online. You’ll need some combination of the following pieces of information:

  1. Online Claim Reference
  2. Email address

Be sure the information entered is exactly as submitted with your rebate claim.

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