Target doesn't accept Apple Pay in their stores - likely due to the lack of readers and/or the MCX requirement that prohibits them from accepting other mobile payments. However, until and unless they extricate themselves from MCX and enable NFC payments, there is a workaround that will allow you to shop there and still use Apple Pay. The secret? You can buy Target Gift Cards through their iOS App. Just go into the Target app and do a search for "Target Gift Gard". Select the card style and dollar amount, and delivery method (mail, email, or SMS), and pay with Apple Pay. I bought a card with SMS delivery, which took 5 minutes or so to show up as a text message. A quick click on the URL in the text allowed me to add the card to my account, and Target can scan the corresponding bar code at the register. Interestingly, they also sell other retailer's gift cards in a similar fashion, including for other MCX members like Wendy's and Darden Restaurants (Texas Roadhouse, Olive Garden, etc) - making this a practical way to allow you to patronize these establishments while still enjoying the security of Apple Pay. I bought a Starbucks card with email delivery. If I can link that to the card I already have in the Starbucks app/Passbook, I will likely use that method to reload my account until/unless they support Apple Pay natively in the future.