--- 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: 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). ### 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. --- ### 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. --- ### 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. --- ### 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 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. --- ### Amazing Apple Pay - Overall rating: 5/5 - Reviewer: Reagan H. - Verified reviewer: Yes - Industry: Medical Practice - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: April 2026 - Review source details: This review was submitted organically. No incentive was offered Overall, Apple Pay has been amazing and I have had nothing but positive experiences using it. Pretty much all of my friends and family also use Apple Pay and they love it as well. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I like that it is easy to add your various payment cards to your apple wallet and that you can use it for tap to pay or in online shopping apps. The customer support is great and it is extremely easy to transfer money between people with apple pay because you can send money over text basically. I never have any bugs or issues with Apple Pay and I love it! #### Cons There is nothing that I dislike about Apple Pay, I could say a million things that I love about it and not one single thing that I do not like! --- ### 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. --- ### 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. --- ### 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. --- ### 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 is amazing - Overall rating: 5/5 - Reviewer: Jada J. - Verified reviewer: Yes - Industry: Hospital & Health Care - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: September 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### 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. --- ### Pay with your phone or watch! - Overall rating: 5/5 - Reviewer: Helder G. - Verified reviewer: Yes - Industry: Entertainment - Company size: 2-10 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 At the beginning it was a little frustrating because very few merchants didn’t accept it, but nowadays it’s accepted almost everywhere and I love it because I don’t have to carry my wallet with my cards with me, I just pay with my phone or watch. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros It’s an easy way to pay with my phone or Apple Watch #### Cons Some merchants don’t accept Apple Pay because they don’t have the tap option on their pos --- ### 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. --- ### 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 --- ### Apple pay and easier life - Overall rating: 5/5 - Reviewer: Sisay B. - Verified reviewer: Yes - Industry: Computer Hardware - Company size: 2-10 employees - Product usage: Used daily for less than 12 months - Reviewed: March 2025 - Review source details: This review was submitted organically. No incentive was offered I am quite good using it and its features really helped me to do transactions faster and in a more secured way #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros as it enables fast, contactless and secure payments it makes my life easier #### Cons its limited availability for some regions makes it somehow inaccesi --- ### 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. --- ### 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) ---