Apple Pay 2026: Benefits, Features & Pricing

Name: Apple Pay
Rating: 4.7 (837 reviews)

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On this page

Overview
Pricing and Plans
User Reviews

Overview

Apple Pay

4.7

(837)

Pricing

Pricing available upon request

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.

Apple Pay Screenshots

Apple Pay Pricing and Plans

Starting price: Pricing available upon request

Free Trial

Free Version

Basic

Pricing available upon request

No plan information available

Apple Pay Features

Popular features found in Mobile Banking
Bill Payment
Digital Wallet
Mobile Access
Online Banking
Transaction Monitoring

Apple Pay User Reviews

Overall Rating

4.7

Ratings Breakdown

81%

14%

Secondary Ratings

Ease of Use

4.8

Value for money

4.7

Customer support

4.5

Functionality

4.7

Jesse Z.

Verified reviewer

Computer Software

51-200 employees

Used weekly for more than 2 years

Review source

Reviewed July 2025

In Love With Apple Pay. Convenient and Use Is Second Nature To Me.

Overall, I really enjoy using Apple Pay. It makes it easy to just pull out my phone and pay for things at the store or online without needing to find my cards in my wallet or enter my credit card information online.

Ratings Breakdown

Ease of use

Value for money

Functionality

Pros:

It makes pay for groceries and merchandise easy either in a physical brick and mortar store or online like Amazon, Macy's, or eBay. Also, I am glad that businesses cover any service fees and the consumers do not have to pay a service fee to use it.

Cons:

It isn't convenient to know which stores accept and don't accept Apple Pay, making carrying a wallet with you card a must. Additionally, sometimes transactions aren't recorded in the Wallet app.

Omar K.

Verified reviewer

Broadcast Media

51-200 employees

Used daily for more than 2 years

Review source

Reviewed December 2024

Apple Pay all the way!

Apple Pay is the most convenient application for payment processing. I have had a wonderful overall experience with the application and it is used in my daily activities numerous times.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Apple pay is super convenient and safe. I love the ability to tap my phone or Apple Watch at a merchant and pay with my Apple device. The transaction is instant and secure.

Cons:

Apple Pay is only available on Apple devices which creates some limitation on its users but other than that it works as a great payment processing application.

Reasons for switching to Apple Pay

I switched over because I started to use Apple products for more security.

Karen B.

Verified reviewer

Education Management

2-10 employees

Used weekly for less than 12 months

Review source

Reviewed June 2022

Apple Pay

Ratings Breakdown

Ease of use

Functionality

Pros:

I like the ease of not always having to have my purse with me while im out shopping. My phone is always with me so its so simple to just pull that out and pay.

Cons:

I have found a few businesses that dont offer Apple Pay but i really don't see that as a con for this product as much as for that company

Ethan B.

Verified reviewer

Automotive

2-10 employees

Used daily for less than 2 years

Review source

Reviewed December 2025

Apple Pay review

Simple to use with two click of a button you can access multiple cards and tap your device and it is simple to see if the transaction goes through.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Super simple to use in my business, being a business owner with employees this allows me to share the business card.

Cons:

I don’t feel like it has the best security measures but i have not been affected by it, would like to see some sort of security system.

Charlie P.

Verified reviewer

Health, Wellness and Fitness

5001-10000 employees

Used weekly for less than 12 months

Review source

Reviewed February 2025

Great product, easy to set up and safe to use.

Great! Really easy to set up and use. Once set up, nothing to action. Easy to use on multiple devices. Set up on watch, but yet to use.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy to set up and log into, then can be used with multiple products, tablets, phones, watches etc. Can add multiple cards and payment options. Very simple.

Cons:

No negatives to note with this product. I have only been able to use recently as moving over to Apple from another brand, but have been incredibly happy since the move over.

Reasons for switching to Apple Pay

Change of device required a change of pay product.

Michaela L.

Verified reviewer

Hospital & Health Care

10000+ employees

Used daily for more than 2 years

Review source

Reviewed April 2025

Easy Apple

I found it really easy to set up and use I would recommend it to anybody ! It’s a fabulous idea

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Really really easy to set up and really easy to use ! It also runs smoothly and I’ve never had any problems with it it’s also a life saver if you have forgotten to take your card out with you and you can also use it to purchase things online which is sooo much quicker to check out with

Cons:

There’s nothing really negative i could say about it but if I had to choose I would say that after so many taps / using it it will decline and it makes you need to use your card and put your pin in to carry on using it for security reasons which is good in a way but can also be slightly annoying especially if you’ve forgotten to take your physical card out with you and have no other way of paying

Jada J.

Verified reviewer

Hospital & Health Care

51-200 employees

Used daily for more than 2 years

Review source

Reviewed September 2025

Apple Pay is amazing

It’s helps me save money, Transfers are not bad even though it’s charges you a percent. The support team is amazing especially if you make a mistake or need a little more guidance.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Apple Pay is quick fast and easy! You can add up to how ever many cards you would like. You are also able to sort them in the order you may choose.

Cons:

There isn’t anything I can truly say I dislike because it’s an easy process nothing makes Apple Pay hard.

Nicole E.

Verified reviewer

Hospitality

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed May 2025

Apple Pay allows for Quick Convenient Transactions

I love Apple Pay! There’s no merchant fees, it’s available to anyone with an apple product that you can integrate with Apple Wallet.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Apple Pay makes transactions run a lot quicker. Many of my customers have some sort of Apple Watch, iPad, or I phone making it super convenient which they appreciate!

Cons:

Unfortunately you need internet connectivity, we’ve been in the mountains that made that difficult at times but we managed every time.

Yanatha D.

Verified reviewer

Entertainment

2-10 employees

Used daily for less than 2 years

Review source

Reviewed November 2025

Apple Pay paves the way

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The learning curve was not that much. The value for money is excellent, the service is great for money transfer, no bugs and issue, hence why there is no need for customer support. The features and navigation is amazing.

Cons:

I personally don't have any cons. I like that is accepted in all the places I shop for food and other items.

Verified

Reviewer

Health, Wellness and Fitness

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed July 2025

User-Friendly, Convenient Method of Paying

Overall, it's great for everyone. There is a straightforward and easy setup, no learning curves at all and it's free! It requires a password, face ID, or touch ID and seems super secure. Some merchants do not participate but overall, most businesses will have it nowadays. The convenience makes it hard not to like!

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Apple Pay is super easy and convenient. I also like that it's secure and you don't have to have your wallet on you 24/7. It's very seamless and efficient for everyday use. It's free to use which is obviously nice and easy to use for in-app purchases.

Cons:

One of the only cons of Apple Pay is that some merchants do not accept it, otherwise I have not encountered many issues/cons.

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Apple Pay 2026: Benefits, Features & Pricing

Overview

About Apple Pay

Apple Pay Screenshots

Apple Pay Pricing and Plans

Apple Pay Features

Apple Pay User Reviews

Apple Pay Popular Comparisons

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