--- 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: 859 ### 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: 19 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 are also occasional compatibility issues with certain payment terminals. - 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 859 (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. --- ### 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. --- ### 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. --- ### 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. --- ### 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! --- ### 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. --- ### 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. --- ### 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 --- ### 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 paves the way - Overall rating: 5/5 - Reviewer: Yanatha D. - Verified reviewer: Yes - Industry: Entertainment - Company size: 2-10 employees - Product usage: Used daily for less than 2 years - Reviewed: November 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros The learning curve was not that much. The value for money is excellent, the service is great for money transfer, no bugs and issue, hence why there is no need for customer support. The features and navigation is amazing. #### Cons I personally don't have any cons. I like that is accepted in all the places I shop for food and other items. --- ### 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! 🍎 --- ### 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. --- ### 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 --- ### 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 --- ### 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. --- ### 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 --- ### 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 --- ### 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 --- ### 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. --- ### Choose Apple Pay - Overall rating: 5/5 - Reviewer: Pebbles S. - Verified reviewer: Yes - Industry: Insurance - Company size: Self-Employed - Product usage: Used daily for more than 2 years - Reviewed: December 2024 - Review source details: This review was submitted organically. No incentive was offered I have only had positive experiences with Apple Pay. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Apple pay is a magnificent way to pay. Your online purchases go through with ease, and the apple pay option always pops up first. In person or instore purchases are paid by with the wave of your phone. This means no cards, no contact and safe. #### Cons More places need to accept Apple pay as an option. ## 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