--- 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/retail/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). ### 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. --- ### 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. --- ### 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. --- ### 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. --- ### The End of the Physical Wallet - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 2-10 employees - Product usage: Used weekly for less 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. It has completely changed my daily routine. Transactions are faster and the integration with the Wallet app makes tracking my spending effortless #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros I love that I can leave my house with just my phone and still pay for everything. The fact that it doesn't share my actual card number with merchants gives me huge peace of mind #### Cons The biggest drawback is the dependency on battery life—if your phone dies, you can't pay. You will need to first find a charger to continue to use Apple Pay. --- ### APPLE PAY REVIEW - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Education Management - Company size: Self-Employed - Product usage: Used daily for more than 2 years - Reviewed: January 2026 - Review source details: This review was submitted organically. No incentive was offered 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 - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 5/5 #### 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. --- ### 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 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 --- ### 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. --- ### 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. --- ### 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. --- ### Apple Pay - how convenient! - Overall rating: 5/5 - Reviewer: Elizabeth H. - Verified reviewer: Yes - Industry: Accounting - Company size: Self-Employed - Product usage: Used daily for less than 6 months - Reviewed: December 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 was happy with this experience and will definitely be using it more. Thanks to my friend who uses it all the time. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### 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. --- ### Life Changing - Overall rating: 5/5 - Reviewer: Jonathan G. - Verified reviewer: Yes - Industry: Construction - Company size: 51-200 employees - Product usage: Used daily for less than 2 years - Reviewed: May 2025 - Review source details: This review was submitted organically. No incentive was offered Life changing. I can have everything i need on my phone, without having to carry a lot in my wallet. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Convenience of having my Debit cards usable on my phone. Ease of paying for something online and smoothly send money to people. #### Cons The ability to add a gift card to my wallet to use to pay so i don't have to carry it around with me. --- ### Good app for payment options - Overall rating: 5/5 - Reviewer: TJ S. - Verified reviewer: Yes - Industry: Hospital & Health Care - Company size: 51-200 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 No need to carry your wallet / cash, can pay money through your phone or apple watch #### Cons Not all vendors have apple pay option, so at times I have had to go back to get my physical credit / debit cards. --- ### 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 --- ### loving it! - Overall rating: 5/5 - Reviewer: Gustavo Z. - Verified reviewer: Yes - Industry: Construction - Company size: 2-10 employees - Product usage: Used weekly 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. i have ahead a really goood experience with Apple Pay, the convenience of having all your credit cards in one spot which is my phone is a really game changer #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I like the convenience of not having to take out my wallet when making purchases, just my phone or watch and in a few second im all set #### Cons Nothing really, loving the apple pay software --- ### 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 --- ### 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 --- ### 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 --- ### Highly recommend - Overall rating: 5/5 - Reviewer: Sunaina B. - Verified reviewer: Yes - Industry: Hospital & Health Care - Company size: 51-200 employees - Product usage: Used daily for less than 2 years - Reviewed: February 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 use it daily and think it's a great alternative to carrying cash and credit cards. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I like the convenience of not carrying cash and so many vendors accepting electronic payments. #### Cons If you want an immediate transfer there's a fee. --- ### 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. --- ### Easy and safe payments - Overall rating: 5/5 - Reviewer: Ledio S. - Verified reviewer: Yes - Industry: Restaurants - 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 Very happy with using it everyday , in small or big shops #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Very easy to make paents by contactless , crom your phone or whatch . everyone accept it #### Cons It can be user only in your apple user’s. ## 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