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Apple Pay

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Apple Pay

Apple Pay 2026: Benefits, Features & Pricing

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  • Overview
  • User Interface
  • Pros and Cons
  • Popular Alternatives
  • Popular Comparisons
  • Pricing and Plans
  • Features
  • User Reviews

Overview

Apple Pay
Apple Pay
4.7
(840)

Pricing

Pricing available upon request

Top Alternatives

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 User Interface

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Apple Pay Pros and Cons

We analyzed 840 verified reviews for Apple Pay to find out what actual users really think.

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Intuitive And Accessible Interface

Apple Pay is praised for its simple setup, user-friendly interface, and easy navigation. Payments can be made quickly with just a few taps or clicks, and features like Face ID and Apple Watch integration make the process even more accessible. Users find it straightforward and efficient for daily transactions.

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
    • More features of Apple Pay
      Authentication

    Apple Pay User Reviews

    Overall Rating

    4.7

    Ratings Breakdown

    5

    81%

    4

    15%

    3

    2%

    2

    1%

    1

    2%

    Secondary Ratings

    Ease of Use

    4.8

    Value for money

    4.7

    Customer support

    4.5

    Functionality

    4.7

    Nathaniel's profile
    Nathaniel H.

    Verified reviewer

    Automotive

    10000+ employees

    Used monthly for less than 2 years

    Review source

    Reviewed April 2025

    Apple Pay - Mobile Payment Service

    5

    For a long time I was hesitant to utilize Apple Pay on my iPhone. However, once I finally made the decision, I haven't looked back. I feel that the software works great and gives you everything you need with it and nothing that you don't.

    Ratings Breakdown

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    Pros:
    What I like most about Apple Pay is that when I use it to pay for goods or services in-person, I never have to sign my receipts. I know that is a strange thing to say is my most favorite thing about Apple Pay. But often times I will find myself purposely using Apple Pay as payment at stores or businesses that I know will require me to sign my receipt should I use a credit card.
    Cons:
    I honest to goodness do not have a single complaint about Apple Pay. It just works.

    Read More

    RW
    Renee W.

    Verified reviewer

    Hospital & Health Care

    5001-10000 employees

    Used daily for more than 2 years

    Review source

    Reviewed October 2024

    Lightning speed way to send money or make purchases.

    5

    One of my other favorite features about Apple Pay is that anyone with an iPhone can send and receive money by simply sending a text message! This has to be the fastest and easiest way to send money to someone. It's literally instant & there are no fees!

    Ratings Breakdown

    5
    Ease of use
    5
    Value for money
    3
    Customer support
    4
    Functionality
    icon
    Pros:
    Apple Pay is very user-friendly. You can upload your credit/debit cards by simply taking a picture of the card, without having to manually enter any numbers. I would estimate that at least 90% of the places I shop accept Apple Pay. One very large chain that does not allow you to use Apple Pay is wal-mart, which has been frustrating a few times when I didn't have any cash or cards on me. I love the fact that if I'm going on a bike ride, as long as I have my phone, I'm able to grab a coffee or a bottle of water without having to carry my purse or cash while biking. I'm able to just tap my phone & it acts exactly the same as using the hardcopy. There are no additional fees for using Apple Pay vs your actual card. It's faster & more convenient then digging through my purse & wallet to pay for my items with cash or cards!
    Cons:
    I don't like that I can't use it to send money to anyone who doesn't have an iPhone.

    Reasons for switching to Apple Pay

    Easy to use, convenient, faster than using debit or credit cards, not having to mess with cash or handle change. No extra fees or charges for using your cards on Apple Pay versus the hard copy.

    Read More

    KB
    Karen B.

    Verified reviewer

    Education Management

    2-10 employees

    Used weekly for less than 12 months

    Review source

    Reviewed June 2022

    Apple Pay

    5

    Ratings Breakdown

    5
    Ease of use
    5
    Functionality
    icon
    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

    Read More

    VR
    Verified
    Reviewer

    Education Management

    Self-Employed

    Used daily for more than 2 years

    Review source

    Reviewed January 2026

    APPLE PAY REVIEW

    5

    I love it. It's an absolute game changer. And, it adds so much efficiency and ease to life. You can pay other people as well with it.

    Ratings Breakdown

    5
    Ease of use
    5
    Value for money
    4
    Customer support
    5
    Functionality
    icon
    Pros:
    It's super convenient to use. If I forget my wallet or dont want to go searching for my cards I can use Apple Pay. The wifi is super convenient. And, it shows me my receipt swiftly on my phone.
    Cons:
    For some reason sometimes the payment wont go through. It's rare but it does happen. And I have to find my physical card.

    Read More

    OK
    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!

    5

    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

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    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.

    Read More

    Jesse's profile
    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.

    5

    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

    5
    Ease of use
    5
    Value for money
    5
    Functionality
    icon
    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.

    Read More

    EB
    Ethan B.

    Verified reviewer

    Automotive

    2-10 employees

    Used daily for less than 2 years

    Review source

    Reviewed December 2025

    Apple Pay review

    5

    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

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    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.

    Read More

    VR
    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

    5

    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

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    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.

    Read More

    TM
    Tristan M.

    Verified reviewer

    Computer Hardware

    Self-Employed

    Used monthly for more than 2 years

    Review source

    Reviewed January 2026

    Great experience

    5

    My overall experience with Apple Pay is wonderful as it’s so convenient for my day to day routine and easy to use.

    Ratings Breakdown

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    Pros:
    I love using Apple Pay for when I have to send and receive payments for when I fix electronics and repairs and ready for payment it’s easy to use and great support.
    Cons:
    What I don’t like too much about Apple Pay is sometimes it can be buggy and I’ll have someone send me money and doesn’t go through and give error

    Read More

    EH
    Elizabeth H.

    Verified reviewer

    Accounting

    Self-Employed

    Used daily for less than 6 months

    Review source

    Reviewed December 2025

    Apple Pay - how convenient!

    5

    overall i was happy with this experience and will definitely be using it more. Thanks to my friend who uses it all the time.

    Ratings Breakdown

    5
    Ease of use
    5
    Value for money
    5
    Customer support
    5
    Functionality
    icon
    Pros:
    Hi, I used this for the first time the other day to pay a friend and I really liked it. It was as user friendly as venmo.
    Cons:
    Not much to dislike. I wish more people used it as i think it more compatible with my apple iphone and than venmo.

    Read More

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