What Are the Payment Options at Arby’s (in 2025)?
Arby’s, known for its delicious roast beef sandwiches and diverse menu options, also offers several payment methods to ensure convenience for customers. With digital payment solutions becoming increasingly popular, Arby’s has adapted to provide a variety of traditional and modern payment options.
In this article, we’ll explore the different ways you can pay for your meal at Arby’s, both in-store and at the drive-thru, to make your dining experience seamless and hassle-free.
7 Accepted Payment Methods at Arby’s
Arby’s offers a range of payment methods to cater to different customer preferences. Here’s a breakdown of the most commonly accepted payment options:
1. Credit and Debit Cards
Arby’s accepts major credit and debit cards, making it easy for customers to complete transactions. The following card types are accepted at most locations:
- Visa
- MasterCard
- American Express
- Discover
Customers can either swipe, insert, or use the tap-to-pay feature with their credit or debit cards, depending on the terminal’s technology. This traditional method is fast, convenient, and widely used by most customers.
2. Mobile Payment Options: Apple Pay & Google Pay
In response to the growing demand for contactless payment options, many Arby’s locations now accept mobile payment platforms, such as Apple Pay and Google Pay. Both options provide secure and fast payment through smartphones, smartwatches, or other compatible devices.
Apple Pay:
Apple Pay allows iPhone, iPad, and Apple Watch users to make contactless payments. It uses encryption technology to protect card information, ensuring a safe transaction. To use Apple Pay, simply add your credit or debit card to the Apple Wallet app and tap your device on the contactless payment terminal when prompted.
Google Pay:
Similar to Apple Pay, Android users can take advantage of Google Pay to make contactless payments. By storing your credit or debit card in the Google Wallet app, you can tap your phone at the register or drive-thru for a fast and secure payment.
Both mobile payment options are highly popular for their convenience, allowing you to pay without the need for physical cards or cash.
3. Cash
For customers who prefer traditional payment methods, cash is still widely accepted at Arby’s locations. Cash payments are often preferred for small transactions, or by those who want to avoid using a card. This payment option is available in-store and at the drive-thru, providing flexibility for customers who don’t rely on digital or card payments.
4. Arby’s Gift Cards
Arby’s offers branded gift cards that can be used to purchase meals at any participating location. Gift cards can be purchased either in-store or online and make great gifts for friends and family. These cards can be redeemed for any food or beverage item on the menu, offering an easy payment alternative for those with gift card balances.
- Physical Gift Cards: Available for purchase at Arby’s locations or online, physical gift cards can be used like cash or credit cards at checkout.
- E-Gift Cards: Arby’s also offers e-gift cards that can be purchased online and sent directly to the recipient’s email. These can be used in-store by showing the card on a mobile device or by printing the e-gift card.
Gift cards are convenient for regular customers and are often used for special promotions or as part of corporate incentive programs.
5. Prepaid Cards
Prepaid debit cards, such as those offered by Visa, MasterCard, or American Express, are also accepted at most Arby’s locations. These cards function like regular credit or debit cards, but they are preloaded with a set amount of money.
Once the balance on the card is depleted, it can no longer be used unless reloaded. Prepaid cards are a good alternative for customers who prefer not to use traditional credit cards.
6. Arby’s Mobile App
The Arby’s mobile app offers another convenient way to order and pay for your meal. The app allows you to place orders in advance, skip the line, and pick up your food when it’s ready. You can add a variety of payment options, including credit cards, debit cards, and sometimes even mobile payment methods like Apple Pay or Google Pay, depending on the location.
Using the app for mobile ordering also gives customers access to exclusive deals, discounts, and rewards, making it a great way to save time and money while enjoying your favorite Arby’s meal.
7. Drive-Thru Payment
Most Arby’s locations feature a drive-thru for customers on the go. The payment methods accepted at the drive-thru are the same as those inside the restaurant, including credit/debit cards, Apple Pay, Google Pay, and cash. The drive-thru is a fast and convenient option for customers who want to grab a quick meal without leaving their vehicles.
Benefits of Using Mobile Payments at Arby’s
As technology evolves, so do the ways we pay for everyday purchases—including your favorite meals at Arby’s. Mobile payment options like Apple Pay and Google Pay are quickly becoming the go-to choice for many customers. They offer a faster, cleaner, and more secure way to complete transactions without the hassle of handling cash or cards. Here’s how using mobile payments at Arby’s can enhance your overall experience.
Convenience Through Digital Wallets
One of the most compelling advantages of using mobile payments at Arby’s is the level of convenience they offer. With the rise of digital wallets like Apple Pay, Google Pay, and Samsung Pay, customers no longer need to carry physical wallets, credit cards, or even cash. Everything you need for a smooth transaction is stored securely on your smartphone or smartwatch.
Imagine pulling up to an Arby’s counter or drive-thru and finalizing your order with a quick tap of your phone. There’s no digging through your bag or pocket for the right card, no worrying about exact change, and no need to sign receipts. Whether you’re grabbing a quick lunch or ordering for the family, mobile payments make the experience faster and more seamless. Especially in moments where time matters—like a short lunch break or a busy commute—this level of convenience can make a big difference.
Enhanced Security for Peace of Mind
Security is a top priority when it comes to financial transactions, and mobile payments offer an added layer of protection that traditional methods often lack. When you use Apple Pay or Google Pay at Arby’s, your actual card number isn’t transmitted during the transaction. Instead, a unique token or encrypted code is generated for that specific payment. This process is called tokenization, and it ensures that even if the transaction data is intercepted, your personal banking information remains safe.
In addition to tokenization, biometric authentication like fingerprint scanning or facial recognition adds another layer of security. These features make it extremely difficult for anyone other than you to authorize a purchase, even if your phone is lost or stolen. Compared to handing over a physical card—which exposes your card number and could be copied or misused—mobile payments dramatically reduce the chances of fraud.
Faster Checkout Experience
Time-saving is another crucial benefit of using mobile payments at Arby’s. Traditional payment methods often require multiple steps: swiping or inserting a card, entering a PIN or signing a receipt, and waiting for approval. These extra seconds add up, especially when lines are long or you’re in a rush.
Contactless payments, on the other hand, streamline the entire process. You simply tap your phone or wearable device to the payment terminal, and within seconds, your transaction is complete. This is particularly helpful during peak hours at Arby’s, when the lines can get busy both in-store and at the drive-thru. For customers, a faster payment experience means less time waiting and more time enjoying your meal.
For Arby’s staff, quicker payments also lead to improved efficiency, enabling them to serve more customers in less time. That creates a smoother flow during high-traffic periods and boosts overall customer satisfaction.
A More Hygienic Option
The COVID-19 pandemic shifted consumer behavior in many ways, and one of the most notable changes was the rise in contactless transactions. Today, hygiene continues to be a priority, and mobile payments offer a clean, touch-free alternative to cash or cards.
When you use a mobile wallet at Arby’s, you can complete the entire transaction without touching the payment terminal. There’s no need to exchange bills or coins, press buttons on a card reader, or sign with a pen that’s been handled by countless others. For health-conscious individuals or families with young children, this level of cleanliness provides an extra layer of reassurance.
Restaurants like Arby’s have embraced contactless technology to meet changing customer expectations and enhance the overall dining experience. Whether you’re dining inside, ordering at the counter, or using the drive-thru, mobile payments give you a safer and more sanitary way to pay for your food.
Are There Any Payment Restrictions?
While Arby’s accepts a wide range of payment methods, there may be some restrictions based on location. Not all Arby’s locations are equipped with the latest point-of-sale technology, meaning some restaurants may not accept certain payment methods like Apple Pay or Google Pay.
Additionally, franchise-owned locations may have different policies regarding accepted payments, so it’s always a good idea to check with your local Arby’s if you have any questions about payment options.
Conclusion
Arby’s offers a wide range of payment options to accommodate the needs of its customers. Whether you prefer using a credit card, debit card, mobile payment method like Apple Pay or Google Pay, or even cash, Arby’s ensures a seamless and flexible payment experience. Gift cards and the Arby’s mobile app provide additional ways to pay while enjoying the convenience of ordering ahead.
As contactless payments become more common, Arby’s continues to adapt by offering mobile payment solutions that make transactions faster, more secure, and more convenient.
However, it’s important to note that not all locations may offer the same payment options, so checking with your local Arby’s is recommended if you have specific questions. No matter how you choose to pay, Arby’s makes it easy to enjoy your favorite roast beef sandwiches, fries, and other delicious menu items with the payment method that suits you best.
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