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Does Petco Accept Personal Checks? Exploring Payment Options at Petco

When it comes to shopping for your furry friends, Petco is a popular destination. 

As a pet store chain that caters to the needs of pet owners, it’s crucial to know the available payment options. So, does Petco accept personal checks?

In this comprehensive guide, we will delve into the payment methods accepted at Petco, with a particular focus on whether they accept personal checks. 

We will also explore alternative payment options, frequently asked questions, and provide helpful tips to ensure a smooth and convenient shopping experience at Petco.

Payment Options at Petco

When shopping at Petco, customers have several payment options to choose from, making it convenient for all types of shoppers. 

Let’s explore the various payment methods accepted at Petco and their benefits and drawbacks.

Credit/Debit Cards

Petco accepts major credit and debit cards, providing a widely accepted and convenient payment method. 

You can use Visa, Mastercard, American Express, and Discover cards for your purchases. 

Using credit or debit cards offers the advantage of easy tracking of expenses, as well as added security and protection against fraud. Additionally, many credit cards offer reward programs that allow you to earn points or cash back on your purchases.

Does Petco Accept Personal Checks? Petco Gift Cards

Petco Gift Cards

If you have received or purchased a Petco gift card, you can use it to make purchases both in-store and online. 

Gift cards are available for purchase in various denominations and can be a great option for gifting or managing your own pet-related expenses. 

Petco gift cards make it easy to budget and control your pet supplies spending.

Apple Pay and Google Pay

Petco embraces modern payment methods by accepting Apple Pay and Google Pay. 

These digital wallet options enable a seamless and contactless payment experience using your smartphone or other compatible devices. 

With Apple Pay and Google Pay, you can simply tap or hold your device near the payment terminal to complete your transaction. 

This contactless payment option is not only convenient, but it also offers an extra layer of security by eliminating the need for physical card swiping.

PayPal and PayPal Credit

Customers who prefer to use PayPal can do so at Petco. PayPal offers a secure, online payment method that allows you to link your bank account or credit card for convenient transactions. 

You can easily connect your PayPal account at the Petco checkout and complete your purchase with just a few clicks. 

Additionally, PayPal Credit provides a financing option for eligible purchases, allowing you to spread out your payments over time.

Does Petco Accept Personal Checks?

One common question among Petco customers is whether they accept personal checks as a payment method. 

Unfortunately, Petco does not accept personal checks for purchases. However, there are alternative payment options available to ensure you can shop conveniently.

Alternative Payment Options at Petco

If personal checks are not accepted, there are several alternative payment options you can consider at Petco:


Paying with cash is a simple and straightforward option accepted at all Petco stores. 

When making a purchase, you can easily calculate your total, hand over the cash at the register, and receive any change due. 

Using cash can be beneficial for those who prefer to manage and budget their expenses with physical money.

Credit/Debit Cards

As mentioned earlier, Petco accepts all major credit and debit cards, providing a secure and widely accepted payment method. 

When using a credit or debit card, simply swipe or insert your card into the card reader, follow the prompts on the screen, and complete the transaction. 

Credit and debit cards offer convenience, security, and the ability to keep track of your purchases easily.

Checking Account-Linked Debit Cards

If you prefer to use your checking account for purchases, you can opt for a debit card linked to your checking account. 

These debit cards work similarly to credit cards but deduct the funds directly from your checking account. 

It eliminates the need for carrying cash or using a credit card, allowing you to make purchases using funds readily available in your checking account.

Mobile Payment Apps

In addition to Apple Pay and Google Pay, Petco also accepts other popular mobile payment apps. 

With the rise of smartphone usage, mobile payment apps have become increasingly popular and offer convenience and security. 

By linking your preferred payment app, you can make in-store purchases by simply tapping or scanning your device at the payment terminal. 

Besides Apple Pay and Google Pay, popular mobile payment apps include Samsung Pay, Walmart Pay, and more.

payment methods

Pro Tips for Paying at Petco

To ensure a smooth and hassle-free payment experience at Petco, consider the following tips:

Call ahead before your visit: If you have specific payment preferences or are unsure about accepted payment methods, contacting your local Petco store beforehand will provide the most accurate and up-to-date information. 

The store staff will be happy to assist you and address any payment-related queries you may have.

Check for discounts and promotions: Keep an eye out for any ongoing discounts or promotions tied to specific payment methods. 

Some credit cards offer rewards or cash back on pet-related purchases, while Petco may occasionally run promotions exclusively for specific payment methods. Utilizing these offers can help you save money on your pet supplies.

Bring alternative payment options: To avoid any inconvenience, always have alternative payment methods available when visiting Petco, such as cash or credit/debit cards. 

This way, you’ll be prepared even if your preferred payment option is not accepted. Additionally, having multiple payment options at hand allows you to choose the most advantageous option in terms of rewards or promotions.

Frequently Asked Questions

Can I pay with a personal check at Petco online?

No, Petco does not accept personal checks for online purchases. Online transactions require the use of credit or debit cards, PayPal, or other available payment methods.

What if I don’t have any other payment options besides a personal check?

If you do not have alternative payment options available, it’s worth considering obtaining a prepaid debit card. Prepaid debit cards can be purchased and loaded with a specific amount of money, allowing you to use them as you would a regular debit card.

Additionally, you may want to explore resources provided by local community organizations that may offer assistance with pet-related expenses.


While Petco does not accept personal checks, they offer a range of alternative payment methods to ensure a seamless shopping experience. 

Credit/debit cards, cash, mobile payment apps, and checking account-linked debit cards are all accepted at Petco stores

Understanding the available options and preparing in advance will help you make the most of your visit to Petco. 

Now, you can shop with confidence, knowing the right payment method for your pet’s needs. Enjoy a convenient and stress-free shopping experience with your furry friends at Petco!