--- title: "Apple Pay Reviews, Pros and Cons - 2026 Software Advice" description: "Reviews of Apple Pay. Learn how real users rate this software's ease-of-use, functionality, overall quality and customer support. Talk to our advisors to see if Apple Pay is a good fit for you!" source_url: "https://www.softwareadvice.com/mobile-banking/apple-pay-profile/reviews/" page_type: "reviews" language: "en" --- [Home](https://www.softwareadvice.com/) / [Mobile Banking Software](https://www.softwareadvice.com/mobile-banking/) / [Apple Pay](https://www.softwareadvice.com/mobile-banking/apple-pay-profile/) / Apple Pay Reviews Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee. [Overview](https://www.softwareadvice.com/mobile-banking/apple-pay-profile/) Reviews [Alternatives](https://www.softwareadvice.com/mobile-banking/apple-pay-profile/alternatives/) # Apple Pay User Reviews ## Reviews summary - Overall rating: 4.7/5 - Total reviews: 857 ### Secondary ratings - Ease of use: 4.8/5 - Customer support: 4.5/5 - Value for money: 4.7/5 - Functionality: 4.7/5 ### Rating distribution - 5 stars: 695 reviews (81%) - 4 stars: 126 reviews (15%) - 3 stars: 18 reviews (2%) - 2 stars: 5 reviews (1%) - 1 star: 13 reviews (2%) ### Most mentioned pros - Features like contactless payments and money transfers make it convenient for both in-store and online use. While there can be occasional bugs and issues, they are usually minor and get fixed quickly, making the overall experience smooth and reliable. - The setup process is straightforward, and I can securely make purchases online, in apps, and at stores without carrying physical cards. - I love that I can receive money from any iPhone user and also that I can transfer money to my account from any bank for free. ### Most mentioned cons - The only con is that if I use the Apple Pay method too much, my bank will block the card, and then I have to call the bank because I have not used my physical card in a long time. - There is one thing that tends to drive me a bit crazy about Apple Pay the inconsistent acceptance among retail stores - The biggest issue with Apple Pay is that there is a slight learning curve for those new to the Apple product ecosystem. ## Apple Pay customer reviews Showing reviews 1-25 of 857 (page 1). ### Fast, Secure, and Convenient Mobile Payment Solution - Overall rating: 5/5 - Reviewer: Swetha C. - Verified reviewer: Yes - Industry: Automotive - Company size: 5001-10000 employees - Product usage: Used daily for more than 2 years - Reviewed: May 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Functionality: 5/5 #### Pros Apple Pay is extremely easy to use and makes payments fast and convenient. The setup process is straightforward, and I can securely make purchases online, in apps, and at stores without carrying physical cards. The integration with the Apple ecosystem is seamless, and Face ID or Touch ID adds an extra layer of security while keeping transactions quick. #### Cons Not every merchant accepts Apple Pay, especially some smaller businesses. Occasionally, there can be issues with card verification when adding a new card, and customer support for payment-related issues may involve both Apple and the card issuer, which can sometimes be confusing. --- ### A must-have solution - Overall rating: 5/5 - Reviewer: Milagros G. - Verified reviewer: Yes - Industry: Individual & Family Services - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: January 2025 - Review source details: This review was submitted organically. No incentive was offered I use it in my beauty salon for my clients to pay but I also use it personally in all the establishments I go to, nail salon, supermarkets, stores, gas stations, coffee shops, etc. I really love it. Get all yours cards in just one click on your phone. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros It is a modern payment option for most of my clients, which allows me to give them security and, above all, comfort when making their payments. #### Cons So far I have no complaints. My only small complaint would be that when you travel to other countries like the Dominican Republic, you can't always use Apple Pay with your American cards, but it only happened to me once so I don't think it's a big deal. #### Reasons for switching to Apple Pay Im a apple user now. I change brands few years ago. --- ### Master Reviewer - Overall rating: 5/5 - Reviewer: Mike F. - Verified reviewer: Yes - Industry: Food & Beverages - Company size: 11-50 employees - Product usage: Used weekly for less than 2 years - Reviewed: May 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My overall experience has been a pretty good one and I will continue using the platform for the foreseeable future. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros What I like most about Apple Pay is that it’s very convenient with strong security and privacy that’s also widely accepted. #### Cons What I like least about Apple Pay is that it is phone battery dependent and can create over reliance on your phone. --- ### Fast, Secure, and Convenient Digital Payments Made Easy - Overall rating: 5/5 - Reviewer: Brooks L. - Verified reviewer: Yes - Industry: Retail - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: June 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My overall experience with Apple Pay⁠ is very positive. It is fast and convenient for everyday payments, whether in stores, online, or in apps. The setup has a low learning curve, making it easy to start using right away. It provides good value for money since there are no extra fees to use it. Features like secure transactions and easy money transfers make it very useful. Customer support is helpful when needed, and although there are occasional bugs and issues, they are usually minor. Overall, it is a reliable and secure payment system. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros What I like most about Apple Pay⁠ is how easy it is to use for everyday payments. The learning curve is very low since setup is quick and straightforward. It offers strong value for money because it is free to use with supported cards and banks. Customer support is helpful when issues come up. Features like contactless payments and money transfers make it convenient for both in-store and online use. While there can be occasional bugs and issues, they are usually minor and get fixed quickly, making the overall experience smooth and reliable. #### Cons Stores such as Wal-Mart do not accept it which can be an inconvenience but it’s still my favorite payment method so I just go to the stores that I can use it in. --- ### My go-to pay method - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Human Resources - Company size: 10000+ employees - Product usage: Used daily for more than 2 years - Reviewed: May 2026 - Review source details: This review was submitted organically. No incentive was offered Overall, it's my go-to method for purchases and saves me so much time in my day-to-day life that I would feel a huge loss if I didn't have it at all. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros The convenience and efficiency of being able to use my phone to pay for things rather than digging through my purse to find my wallet. #### Cons Not all credit cards are compatible with Apple Pay yet so it defeats the purpose of being convenient if I can't use the card I wanted to. --- ### My honest take on Apple Pay - Overall rating: 4/5 - Reviewer: Maria P. - Verified reviewer: Yes - Industry: Higher Education - Company size: Self-Employed - Product usage: Used weekly for more than 2 years - Reviewed: June 2026 - Review source details: This review was submitted organically. No incentive was offered Overall, I absolutely love it. The sheer speed and worldwide fluidity make it an essential tool for me. If you haven't set it up yet, you are seriously missing out #### Ratings breakdown - Ease of use: 5/5 - Functionality: 4/5 #### Pros I’ve been using Apple Pay for quite a while now, and honestly, it has completely changed how I handle my daily expenses and travel. The user experience is incredibly smooth. There’s no lagging, just a quick double-click, Face ID, and you're good to go. It allows me to pay quickly anywhere across the world. #### Cons While it's widely accepted, you still run into the occasional old-school shop or street vendor that only accepts cash so you always need to make sure you carry a backup physical card just in case. --- ### Apple Pay - Use It Today! - Overall rating: 5/5 - Reviewer: Paul K. - Verified reviewer: Yes - Industry: Real Estate - Company size: Self-Employed - Product usage: Used daily for more than 2 years - Reviewed: May 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Apple Pay is an excellent money transferring and payment system that anyone can benefit from with its vast amount of features. Apple customer support is also top notch if you ever run into any issues! #### Cons The biggest issue with Apple Pay is that there is a slight learning curve for those new to the Apple product ecosystem. It also has a relatively high barrier of entry price wise compared to other products. --- ### You will not find any issues with this payment method - Overall rating: 5/5 - Reviewer: hamza b. - Verified reviewer: Yes - Industry: Internet - Company size: Self-Employed - Product usage: Used monthly for more than 2 years - Reviewed: July 2026 - Review source details: This review was submitted organically. No incentive was offered Easy to use easy to transfer and buy stuff in internet not complicated clearly to everyone I recommend to everyone #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love the payment transfer and transactions easy to use not complicated easy to buy something in internet clear and simple #### Cons Sometimes it get bugs but the customer service help me instantly so no more problems easy and i love this feature to much --- ### Apple amazing pay - Overall rating: 5/5 - Reviewer: Cassandra J. - Verified reviewer: Yes - Industry: Education Management - Company size: 11-50 employees - Product usage: Used weekly for more than 2 years - Reviewed: February 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My overall experience is you can set up a account to be paid automatically weather it's a bill or any payment to different merchants #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 4/5 #### Pros What I like most about apple pay is that it's very convenient to use and pay for items in stores across the states #### Cons Nothing I like least I love for years now how advanced it is to use apple pay and how easy it is to purchase or pay --- ### Apple great - Overall rating: 5/5 - Reviewer: Jazzmen M. - Verified reviewer: Yes - Industry: Medical Practice - Company size: 51-200 employees - Product usage: Used daily for less than 2 years - Reviewed: June 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love that I can receive money from any iPhone user and also that I can transfer money to my account from any bank for free. #### Cons I don’t like that I if I owe an subscription and it declines it will pause me from downloading apps I need --- ### In Love With Apple Pay. Convenient and Use Is Second Nature To Me. - Overall rating: 5/5 - Reviewer: Jesse Z. - Verified reviewer: Yes - Industry: Computer Software - Company size: 51-200 employees - Product usage: Used weekly for more than 2 years - Reviewed: July 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 5/5 - Functionality: 5/5 #### 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. --- ### I love Apple products - Overall rating: 5/5 - Reviewer: Monica M. - Verified reviewer: Yes - Industry: Arts and Crafts - Company size: Self-Employed - Product usage: Used daily for less than 2 years - Reviewed: September 2025 - Review source details: This review was submitted organically. No incentive was offered Like I have said before, I absolutely love all of Apple products I have ever used in my nearly 20 years now of using Apple! #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I absolutely love anything Apple! I have used Apple for years, but have just recently started using Apple Pay and it is awesome! #### Cons I have not found anything negative to say about any Apple products in my many years of using Apple! 🍎 --- ### User-Friendly, Convenient Method of Paying - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 2-10 employees - Product usage: Used monthly for more than 2 years - Reviewed: July 2025 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### Very convenient and easy to use - Overall rating: 5/5 - Reviewer: Stacey R. - Verified reviewer: Yes - Industry: Real Estate - Company size: 2-10 employees - Product usage: Used weekly for less than 2 years - Reviewed: June 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Over all it’s very easy to set up and use. I like the convince of it and feel it’s a little safer than a credit card. You don’t have to worry about skimmers. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 5/5 #### Pros Very convenient and easy to use. I love that I don’t have to have a credit card with me at all times. #### Cons I don’t like that it’s not accepted everywhere yet. Also, the tap doesn’t work sometimes with my phone. --- ### A frictionless way to pay for studio time - Overall rating: 4/5 - Reviewer: Ben S. - Verified reviewer: Yes - Industry: Entertainment - Company size: 2-10 employees - Product usage: Used daily for more than 2 years - Reviewed: May 2025 - Review source details: This review was submitted organically. No incentive was offered It has enabled us to speed up the checkout process for our clients and remove payment friction. More time behind the mixing desk, less on billing. #### Ratings breakdown - Ease of use: 5/5 - Functionality: 4/5 #### Pros Apple Pay the game changer occurred for fast transactions. Customers can pay with their iPhones instantly no fumbling with cards or cash. Fast, secure, it just feels professional. #### Cons Some clients who are not in the Apple ecosystem still request alternatives, so it is not 100 percent universal. --- ### Great to have your wallet digital! - Overall rating: 5/5 - Reviewer: Dana P. - Verified reviewer: Yes - Industry: Real Estate - Company size: 2-10 employees - Product usage: Used monthly for more than 2 years - Reviewed: November 2025 - Review source details: This review was submitted organically. No incentive was offered Amazing! I have a habit of leaving my wallet home and since I have Apple Pay on my phone it makes it so much easier #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I can send a payment to someone without have to use my card. It makes it easier to pay for things off my phone as well #### Cons I don’t like when the larger the amount is there is an increase on fee for the bank that I use. Sometimes it’s up to $3 --- ### Apple pay review - Overall rating: 5/5 - Reviewer: Marc-henry D. - Verified reviewer: Yes - Industry: Environmental Services - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: March 2025 - Review source details: This review was submitted organically. No incentive was offered I had a good experience with this app and it makes it very easy to transfer funds without any of the extra fees or apps. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros it makes it very simple to send money digitally. #### Cons Nothing to dislike it did everything i needed it to. --- ### Great software - Overall rating: 5/5 - Reviewer: Malinda C. - Verified reviewer: Yes - Industry: Hospitality - Company size: Self-Employed - Product usage: Used daily for less than 2 years - Reviewed: April 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love that is easy to use and my money is all in one place with cards and I use it multiple places and online #### Cons None I have no problem with this software.. it’s dependable ………no problem at all with it --- ### apply pay app - Overall rating: 5/5 - Reviewer: kirsty U. - Verified reviewer: Yes - Industry: Events Services - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: March 2025 - Review source details: This review was submitted organically. No incentive was offered my experience of this app is the best... #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros the app is great and fast for making any payment #### Cons I have not had any issue with this app.. --- ### Fantastic product - Overall rating: 5/5 - Reviewer: Natalie w. - Verified reviewer: Yes - Industry: Events Services - Company size: 11-50 employees - Product usage: Used daily for less than 2 years - Reviewed: March 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Apple pay is so easy to use and used by every one #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love how easy apple pay is to use and accepted by most companies #### Cons there is nothing that i dont like about apple pay --- ### Tap to Pay - Overall rating: 5/5 - Reviewer: Megan C. - Verified reviewer: Yes - Industry: Entertainment - Company size: 2-10 employees - Product usage: Used daily for more than 2 years - Reviewed: January 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I’ve enjoyed Apple Pay overall and it’s been easily available. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 3/5 - Functionality: 5/5 #### Pros It’s easily available on my phone or other devices. #### Cons Apple Pay pulls your owed subscriptions from your balance. --- ### Apple pay review - Overall rating: 4/5 - Reviewer: Sonny S. - Verified reviewer: Yes - Industry: Accounting - Company size: Self-Employed - Product usage: Used daily for less than 12 months - Reviewed: March 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros I like using apple pay to pay on the move #### Cons I don't like the user interface of apple pay --- ### Amy's review - Overall rating: 5/5 - Reviewer: Amy M. - Verified reviewer: Yes - Industry: Government Administration - Company size: 501-1000 employees - Product usage: Used weekly for less than 2 years - Reviewed: March 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love Apple Pay! it is a very convenient form of payment. It is accepted in many different locations! #### Cons Nothing. It is easy to use and accepted in many locations --- ### Apply Pay review - Overall rating: 5/5 - Reviewer: Jamilia J. - Verified reviewer: Yes - Industry: Fine Art - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: January 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My overall experience is 10/10. I Enjoy having access to my debit card on my phone. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros It’s easy to make payments without having to carry a physical debit card. #### Cons Sometimes I have trouble with certain websites with using apply pay. It says change shipping address; but I have a hard to finding access to make these changes. --- ### Easy and secure - Overall rating: 5/5 - Reviewer: Harpreet S. - Verified reviewer: Yes - Industry: Utilities - Company size: Self-Employed - Product usage: Used daily for more than 2 years - Reviewed: January 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros Secure, easy to use, no need to carry physical cards #### Cons If someone know your phone password, high chance of stealing money ## More reviews [Next reviews](https://www.softwareadvice.com/mobile-banking/apple-pay-profile/reviews/?page=2) --- Apple Pay Reviews, Pros and Cons - 2026 Software Advice