--- 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: 858 ### 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: 696 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. - It supports contactless payments, offers strong security through Face ID and Touch ID, and makes money transfers simple where supported. - The setup process is straightforward, and I can securely make purchases online, in apps, and at stores without carrying physical cards. ### 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 858 (page 1). ### 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. --- ### Apple Pay nowadays - Overall rating: 5/5 - Reviewer: Cody W. - Verified reviewer: Yes - Industry: Apparel & Fashion - Company size: 501-1000 employees - Product usage: Used daily for more than 2 years - Reviewed: April 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I love it! I enjoy using it and I use it practically everyday and it’s a nice way to pay for things since it is so easy. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I love its simplicity and versatility and also its unique features that make it easy and convenient to use. #### Cons I don’t think I have any dislike towards Apple Pay at all! I enjoy using it and I will continue using it. #### Reasons for switching to Apple Pay Apple Pay is much better and is widely used and available for use almost everywhere. --- ### 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. --- ### Secure and Convenient Mode of Payment - Overall rating: 5/5 - Reviewer: Leziel C. - Verified reviewer: Yes - Industry: Consumer Goods - Company size: Self-Employed - Product usage: Used daily for more than 2 years - Reviewed: July 2026 - Review source details: This review was submitted organically. No incentive was offered Apple Pay is secure and convenient to use in paying transactions whether it is in-store or online. It is easy and quick to use. #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros What I liked the most with Apple Pay is the convenience of paying any purchases I make whether in-store or online. #### Cons What I like the least with it is not really the app but the fact that not all stores accept tap payment. --- ### 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. --- ### PAY WITH EASE - Overall rating: 5/5 - Reviewer: MARLEEN C. - Verified reviewer: Yes - Industry: Hospital & Health Care - Company size: 1001-5000 employees - Product usage: Used daily for less than 2 years - Reviewed: July 2026 - Review source details: This review was submitted organically. No incentive was offered MY OVERALL EXPERIENCE IS GREAT SO FAR I LOVE THIS APPLE PAY AND MY FAMILY USES IT ALOT WE LOVE IT SO FAR #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I LOVE THE FACT THAT I CAN PAY FROM MY WALLET FROM ANYWHERE I AM CONTACTLESS AND EASY TO SET UP AND I CAN SEND TO FAMILY N FRIENDS AS WELL AND ITS FREE TO USE #### Cons SOME TRANSACTIONS TAKE A MINUTE OR DONT GO THRU AND REFUNDS SOMETIMES CAN BE HARD BUT OTHER THAN THAT ITS AMAZING TO USE --- ### 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 --- ### Very convenient to use - Overall rating: 5/5 - Reviewer: Faith L. - Verified reviewer: Yes - Industry: Mental Health Care - Company size: Self-Employed - Product usage: Used weekly for more than 2 years - Reviewed: July 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros I love apple pay. It’s so convenient when I forget my wallet and easy to check out when using my phone. #### Cons There is nothing that I dislike about apple pay. Its very easy to use on different websites and my phone. --- ### Apple pay review - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Marketing and Advertising - Company size: 11-50 employees - Product usage: Used daily for less than 2 years - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 4/5 - Value for money: 5/5 - Functionality: 4/5 #### Pros It is a quick and easy way to make payments with virtual debit card without taking your wallet. #### Cons The interface is a bit confusing while double pressing to pay through the wallet. #### Reasons for switching to Apple Pay Because I find apple pay to be able to make payments of physical purchases. --- ### Great product, easy to set up and safe to use. - Overall rating: 5/5 - Reviewer: Charlie P. - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 5001-10000 employees - Product usage: Used weekly for less than 12 months - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### The best if you have iPhone or I watch - Overall rating: 4/5 - Reviewer: Francisco S. - Verified reviewer: Yes - Industry: Information Technology and Services - Company size: 51-200 employees - Product usage: Used daily for less than 6 months - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered The best, and the moste secure one, of course, expensive. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Fast, secure, and supported by a world known company as apple. #### Cons Only usable on apple device, if you are on a emergency you cant pay. #### Reasons for switching to Apple Pay Change temporary of the phone, now back to Google --- ### Apple Pay all the way! - Overall rating: 5/5 - Reviewer: Omar K. - Verified reviewer: Yes - Industry: Broadcast Media - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: December 2024 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### 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. --- ### Apple Pay allows for Quick Convenient Transactions - Overall rating: 5/5 - Reviewer: Nicole E. - Verified reviewer: Yes - Industry: Hospitality - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: May 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 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### 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. --- ### Apples To Apple Pay - Overall rating: 5/5 - Reviewer: Sheryl J. - Verified reviewer: Yes - Industry: Consumer Services - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered This platform allows for ease of payment whenever patrons need to shop on the run, simply by hovering their phone over the POS at any participating location. The app also allows for texting currency to your designated recipient, easily allowing the recipient to also add the funds into their own Apple wallet. In comparing this platform with other Payment platforms (apples to apples), Apple Pay will always be the forerunner. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros This payment platform is very convenient for patrons on the go, & for those who easily lose personal items on a daily basis: Keeping all forms of payment into one single app organized, easily accessible & retrievable. #### Cons Not all banking cards are accepted through Apple Pay. Some banks do not allow for Apple Pay to be utilized. #### Reasons for switching to Apple Pay Apple Pay allows for more functionality. --- ### 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 --- ### Love. It. I use it as often as I can - Overall rating: 5/5 - Reviewer: Megan T. - Verified reviewer: Yes - Industry: Construction - Company size: 11-50 employees - Product usage: Used daily for more 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 - Functionality: 5/5 #### Pros I love Apple Pay. It’s so convenient, I can switch my payment method with ease #### Cons Sometimes it messes up a little with verifying that it’s me. Sometimes the Face ID doesn’t work --- ### 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 --- ### Easy to use - Overall rating: 5/5 - Reviewer: Jamie G. - Verified reviewer: Yes - Industry: Medical Practice - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: April 2025 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 3/5 - Functionality: 4/5 #### Pros how it makes paying easy when shopping or buying things #### Cons some places accept and some done so you have to know ahead of time --- ### Great secure tool - Overall rating: 5/5 - Reviewer: Kortney M. - Verified reviewer: Yes - Industry: Luxury Goods & Jewelry - Company size: Self-Employed - Product usage: Used weekly for more than 2 years - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered Great tool, better than contactless as secure and “replaces” carrying payment cards. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Easy to install, very secure fast and accepted in most places. #### Cons Sometimes the payment confirmation request doesn’t appear straight away. ## More reviews [Next reviews](https://www.softwareadvice.com/mobile-banking/apple-pay-profile/reviews/?page=2) ---