Apple Pay Software

4.74 / 5 (233)

About Apple Pay


Apple Pay offers a secure and private way to pay for goods and services through iOS apps. Users can provide all payment and shipping information with a single touch using Touch ID.

Instead of using cash or cards at checkout, Apple Pay enables users to hold their iPhones over near field communication (NFC) terminals to make secure payments instead of using cash or cards at checkout. The solution is an NFC-payment system that is characterized by an anonymous and single-use token system that keeps credit card data completely secure.

Apple Pay uses third-party apps for managing items such as gift cards, boarding passes and movie tickets. The solution is suitable for both small and medium businesses, however it requires iOS 8.1 or above and an iPhone 6S, iPhone 6S Plus, iPhone 6 or iPhone 6 Plus.

The iPad Air 2, iPad mini 4, iPad Pro, iPad mini 3 and Apple Watch also work with it, but iPads only support it in apps, and the Apple Watch must be paired with an iPhone.



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Supported Operating System(s):

Mac OS

233 Reviews of Apple Pay

Average User Ratings

Overall

4.74 / 5 stars

Ease-of-use

5.0

Value for money

4.5

Customer support

4.5

Functionality

4.5

Ratings Snapshot

5 stars

(189)

4 stars

(33)

3 stars

(8)

2 stars

(0)

1 stars

(3)

Likelihood to Recommend

Not likely

Very likely

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Showing 1-20 of 233 reviews

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July 2018

James from Technology intelligence Agency

Company Size: 2-10 employees

Review Source


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

4.0

July 2018

I (almost) never need to bring along my credit cards anymore.

Even with the cons, I still love using Apple Pay. I’ve had more than one person look on in awe when I use my phone to pay with purchases. I’ve also helped others set theirs up so that they can pay using Apple Pay. While I would be hesitant to use it on an iPhone X because of the device’s lack of fingerprint sensor, I absolutely love using it on my iPhone 7. I do not currently own an Apple Watch but knowing that Apple Pay is integrated makes me want to jump on the wagon and get myself a smartwatch.

Pros

I love the ability to bring along all of my credit cards with me without having my wallet with me. All I have to do is hold my phone near the NFC card reader and I can easily pay for a purchase. I also love the ability to send money to friends with iPhones. It’s helpful if we’re out to dinner and they pay, then I can just send them the money via Apple Pay. The number of stores that allow Apple Pay is steadily growing, meaning paying for purchases is getting even easier. I do like the security of Apple Pay, especially the ability to secure my cards using a fingerprint. This way, no one but me can use my cards. I do love the integration of the Apple Watch. The idea that I can pay just by holding my wrist near the NFC reader seems so convenient.

Cons

There are a few retailers that have not accepted Apple Pay. I’m constantly hearing from my Samsung-owning friends that they can use their phones to pay anywhere using Samsung Pay. I would like to see Apple Pay become more universal. I also would like for Apple Pay to allow me to send money to and from people who might not be using an Apple device. Currently, it only allows sending to and from iPhones. Hopefully, this will change soon. I also am unsure about the security of using Apple Pay’s Face Unlock feature on iPhone X. It does not seem like it would be as secure as a fingerprint. However, in this case, you can also use a pin to lock the app.

November 2018

Sandra from Medical Hospital

Company Size: 2-10 employees

Review Source


Ease-of-use

5.0

Value for money

5.0

Customer support

3.0

Functionality

5.0

November 2018

Apple Pay is convenient, fast and a reliable method to purchase items

Overall a great product and definitely recommend to all those seeking convenience and ease when purchasing products.

Pros

I have experience of Apple Pay as both a consumer and a business owner. As a person who has had iPhone for a number of years, the integration of Apple Pay has significantly made the buying process a lot easier and convenient. I am able to enter my credit card information with ease and into a service that I trust and know is secure. This payment system allows me to easily switch between payment methods and with security at a purchase point to ensure it is actually me who is purchasing products in store. Also, the amount of retailers that are now accepting Apple Pay has grown and continues to grow in order to make this process a breeze.

Cons

In my time using this payment system, I have encountered very few problems. Sometimes, a small lag or an app crash but nothing major and definitely nothing that would impact my security. However, in the time I have used Apple products, the only issue I would say is when trying to contact customer service and speak to a representative directly. It can be time consuming to contact an Apple representative but I have had very few instances where I have needed their direct help.

January 2019

Mario from Philippine Airlines

Company Size: 5,001-10,000 employees

Review Source


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

January 2019

Apple pay a day makes a stressful transaction away.

All in all, paying my bills using my iPhone X via the Apple Pay is a 100% overall convenient and very secured transaction. But it would be best if there will be more terminals for payments and they should allow other iPhone products to use such amazing application.

Pros

A friend introduces me to use this application. I was very nervous at the time since I'm the kind of person who is very traditional when it comes with the ways of life. But then when I tried to use it, I was glad that I did. It was quick, super easy and secured transaction. Wow! really amazing!

Cons

One thing that I've noticed with this application is that it has a very limited number of stores that are equipped with Apple Pay terminals. Aside from it, my friend also tried to use it on her I phone 5 and it didn't work. I guess it only works for newer generations of i-phones which I think it's unfair since she too uses apple product right?.

April 2019

ELMAHDI from Astoria Values Inc.

Company Size: 2-10 employees

Review Source


Ease-of-use

1.0

Value for money

1.0

Customer support

1.0

Functionality

1.0

April 2019

Apple Pay simply does not work

It has been an unmitigated disaster. Apple Pay took 9500 of my money. They did NOT complete the transfer in the way it was supposed to have been completed. Then, adding insult to injury, they suspended my account and told me I could not get any information for at least 3 Business days. This was done despite the fact that all accounts used were in my name and I have excellent credit. The problem resulted because the transfers showed up as ACH transfers instead of Apple Pay iPay transfers. This happened through no fault of my own, as there was no option to choose the 1% method instead of the regular useless ACH. This problem is not just a problem that I have, it is a problem that anyone who tried to transfer funds without the version 12 would have experienced. Instead of apologizing and understanding that this was generated by their error, they did the exact opposite and penalized me, the customer even further. To date, I still have not gotten my 9500 dollars back. They claim it will take another 2 business days to complete their review. They also claim that this happened because of a computer glitch that detects unusual activity. They referred me to the TOS where they claim that I gave them permission to hold my money for 3 business days, but nowhere in the TOS is the word three business days available. These people are simply incompetent criminals

Pros

Nothing. It simply does not work. They extort money from customers and do not send them the way that they are supposed to. They lie and cheat and they do not reply to customers with respect or even the most basic courtesy. I have nothing good to say about Apple Pay.

Cons

The software as version 9 caused customers like me tremendous problems. I tried to transfer $9500 from my Apple Pay to my Ameritrade account. This transaction should have been instantaneous and it was promised as being an immediate transaction. This is why I tried to use the service. This was a mistake. The transaction instead went through as a regular ACH transfer. Using Apply Pay for ACH simply does not make sense as they are far inferior to a standard bank. Apple Pay does not insure your money nor are they even able to give you something as simple as a receipt proving the transaction has been made. Contacting them is a nightmare and if you manage to get anyone on the phone, rest assured that they will be ZERO help and will simply repeat what representative, a guy being investigated by a number of regulatory agencies including the department of justice tells them to say, "we are the highest authority". This is what they tell you if you ask them to speak to a supervisor. More importantly, not only are they useless, but they are rude to boot! The fact that version 9 (prior to version 12) causes so much damage to the average customer is a technical nightmare. I have no idea what the newer version 12 does, because even though I downloaded after my issues started, at that point my Apple Pay account had been suspended and my money has been in limbo for the past two business days including the weekend. Horrible system.

June 2018

Moses from MAESTROS LEADERSHIP TEAM

Company Size: 51-200 employees

Review Source


Ease-of-use

4.0

Value for money

5.0

Customer support

4.0

Functionality

5.0

June 2018

APPLE PAY IS THE FASTEST CASHLESS WAY TO PAY AND RECEIVE PAYMENTS

Apple Pay is the best cashless payment method only that its more limited to use in the U.S. and not much friendly in other countries.

Pros

Payment is instant, allows users to send money instantly to each other and shop in various stores, touch ID makes transactions fast and more safer, Its very simple to set up and start using immediately, Siri makes things faster as you only need to say apple pay and it opens instantly at the store for payment, Allows users to link cards and pay cashless more easily and more faster. It is generally more safer than card payments and cash payments. It enables one to split bills for easier payments.

Cons

No much on cons but apple pay is more useful when in the U.S. not many countries other than U.S. and some Europe countries use it. It is therefore not a good option for tourists it may disappoint you but if in the U.S. its the best pay software to pay and receive money from friends.

August 2018

abdullah from Home Decor And Beyond

Company Size: 2-10 employees

Review Source


Ease-of-use

4.0

Value for money

4.0

Customer support

1.0

Functionality

4.0

August 2018

Convenient but limited

Pros

I’ve loved the fact that my customers can still pay even if they get to the register with a full cart and then realized they forgot their wallet at home but have their phone set up and my terminal set up to accept as well. It’s definitely convenient and whoever knows how to use an iPhone can easily set up Apple Pay, so even my older customers are more loyal because they know they already have it set up on their phone so it’s in and out.

Cons

As with the classic android vs apple debate, don’t expect much leeway or personalization with Apple Pay. Even customer service requests like chargebacks, or terminal compatability may have you on a long hold for every simple question. Especially with this being a new feature, there are many options we wish they had, but I believe convenience was their main goal, not completely and total functionality.

February 2019

Jonathan from Fortress Wealth

Company Size: 2-10 employees

Review Source


Ease-of-use

5.0

Functionality

3.0

February 2019

Good but could be improved

Overall fine. Looking forward to the next big update when I am sure a lot of the limitations will be taken care of.

Pros

It is very easy to use. Simply tap and fingerprint, payment goes through and you get instant feedback.
Set for major cards is very easy. Simple image your card, the app takes you through the approval process (the financial institution must sign off).
Its free.

Cons

It does not cover all major cards (such as a major Canadian bank).
You need a third party app to put in lots of other types of cards; points cards, gift cards and ids. You are restrained to what Apple allows.
Remember it only works where tap is available, plus many cards limit tap to $100 - so you still have to carry physical cards.

November 2018

Janice from Cebu Pacific Air

Company Size: 1,001-5,000 employees

Review Source


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

November 2018

Amazing tool for making payments!

Paying bills been so much easy with the help of this application. Love it! I give it 10 stars!

Pros

Wonderful application! I can pay anything I want anytime and anywhere I am. Paying is such a breeze. Fast, secured and very reliable transaction every time.

Cons

I've been using this application for quite sometime and I haven't really encountered some major problem. There might be some minor errors along the way but I think, the overall performance of this application overweight the negative side of it. I would recommend this to all. Safe to use!

January 2019

Titus vincent from RFM Corporation

Company Size: 5,001-10,000 employees

Review Source


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

January 2019

Great feautures

Pros

Apple Pay allows me to purchase without fishing out my wallet. And also it allows me to use my fingerprint, pin and faceID for the security. It supports online purchases through the Safari, I just need to look for the ApplePay option at checkout. What a blast!

Cons

I am hoping that someday soon there will be an update or upgrade in Apple Pay that will give us reason to stay, I mean like loyalty rewards, gift cards, etc.. Apple Pay lacks supports in this case.

November 2018

Mohd from Toronto Real Estate Board

Company Size: 51-200 employees

Review Source


Ease-of-use

5.0

Functionality

4.0

November 2018

Easiest way to pay at most of the places

Pros

Easy to use, simple, fast, bank to bank security. Now you can use it in Dollarama too, with just holding your iPhone to NFC terminal at the store. Apple pay is available from iPhone SE to all newer phones, So all you need is to carry your phone everywhere and forgot you big bulky wallet. I think its more secure than a credit card because credit cards does not have a authentication facility at the time of making payments. moreover this authentication is from your thumb of face which no one can steal. So it becomes the most secured payment technology at this point.

Cons

Sometime Apple pay is not available in stores then you feel limited, moreover some banks still not allowed their customers to add their debit or credit card into Apple pay.

May 2018

Ross from NetPotential

Company Size: 2-10 employees

Review Source


Ease-of-use

5.0

Functionality

5.0

May 2018

Great alternative payment method for your card

Pros

Apple pay is really easy to use works properly most of the time. Gives you the ability to pay things without having to get your card on your wallet. Works well with my phone and my smart watch as well.

Cons

Sometimes, it seems that card readers detect multiple cards so it won't read apple pay properly. Also, using your smart watch for apple pay does not store it in the history of recent payments made in your phone. The phone also does not keep the whole history of payments made using apple pay. I'd want this as a setting so I could just look it up in my wallet app and see all my transactions from there.

November 2018

aaron from UNF

Company Size: 201-500 employees

Review Source


Ease-of-use