# Apple Pay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Apple Pay the right Mobile Banking solution for you? Explore 852 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/212840/Apple-Pay/reviews --- Apple Pay 4.7 (852) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Apple Pay Ease of use 4.8 Customer Service 4.5 ## Pros and Cons in Reviews Reliable secure payment system 98% positive reviews out of 55 Most reviewers indicate secure payments provide peace of mind, emphasizing privacy, fraud protection, and safe transactions. Tendamudzimu N. Technologist , 11 - 50 employees. "I uses for day to day online purchases and I love fact that is secured and no need to punch own bank numbers and CVV to authorize." Limited merchant acceptance issues 49% negative reviews out of 72 Most reviewers find acceptance by merchants inconsistent, requiring backup payment methods due to restricted retailer support. Seamless smartwatch payment integration 97% positive reviews out of 36 Most users report Apple Watch integration enables fast, contactless payments without needing a phone or wallet. Charlie P. Clinical Effectiveness facilitator, 5,001 - 10,000 employees. "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." Concerns about phone security 51% negative reviews out of 39 Some users say phone security worries persist, mentioning risks if devices are lost, stolen, or hacked. Convenient time-saving transactions 100% positive reviews out of 24 Most reviewers describe time saving as crucial, highlighting quick, wallet-free purchases and simplified daily payments. Haydn C. Boss, 1 employee. "The ease and compatibility of Apple Pay makes life so much more simple for you to do other things with the spare time saved" ## Showing most helpful reviews Showing 1-25 of 852 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Swetha C. Technical Program Manager Automotive Used the software for: 2+ years ### "Fast, Secure, and Convenient Mobile Payment Solution" May 31, 2026 5.0 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. Review Source JB Jessica B. Owner Consumer Services Used the software for: Less than 6 months ### "Id choose apple pay all day !!" June 20, 2026 5.0 Pros I like how easy it is to transfer money from any card to the application. That actually surprised me because it is easier than PayPal or cash app Cons The only thing I didn't like was the ten dollar minimum transfer requirement which leaves anything under ten bucks at bay in the account Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) Got an iPhone so it's kind of necessary when you do. Review Source DG Desiree G. peer support Mental Health Care Used the software for: Less than 6 months ### "Not worth the hassle. " February 4, 2026 3.0 Not great. I barely use it in less it's for an apple specific purchase anymore. I would caution that customer support isn't going to be helpful or kind. Pros Easy to use. Was very simple to add the payment method to some of my bill accounts. Keeps track of all in app purchases. It's a cheap option to pay for app purchases and for many other purchases. Cons Customer support is awful. I had money taken from an app that I didn't give permission to do so. Getting a refund was the hardest thing ever. I kept getting bounced from here to there and told they couldn't do anything again and again. Finally after a long time of communication it was fixed but only because i didn't stop pushing for it to be fixed. Also obviously it will take money that you didn't give it permission to take. Review Source CF Colin F. Physical therapist Health, Wellness and Fitness Used the software for: 2+ years ### "Apple Pay review" March 18, 2026 5.0 Overall very positive. I am in the habit of leaving home without my wallet as I can use my phone to pay. Pros Easy to use at the till and online. Makes paying for items much faster - do not have to retrieve cards from wallet to pay. Cons No real downside. I do not have concerns about security of it and find that Apple Pay only makes things more convienient. Switched from [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) Currently using an Apple device so it was more convenient Review Source BL Brooks L. Customer Support Retail Used the software for: 2+ years ### "Fast, Secure, and Convenient Digital Payments Made Easy" June 7, 2026 5.0 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. 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. Review Source VR Verified Reviewer Customer Marketing Consultant Human Resources Used the software for: 2+ years ### "My go-to pay method " May 29, 2026 5.0 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. 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. Review Source MP Maria P. Student Higher Education Used the software for: 2+ years ### "My honest take on Apple Pay" June 20, 2026 4.0 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 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. Review Source PK Paul K. President Real Estate Used the software for: 2+ years ### "Apple Pay - Use It Today!" May 21, 2026 5.0 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. Review Source hamza B. Help others Internet Used the software for: 2+ years ### "You will not find any issues with this payment method " July 1, 2026 5.0 Easy to use easy to transfer and buy stuff in internet not complicated clearly to everyone I recommend to everyone Pros I love the payment transfer and transactions easy to use not complicated easy to buy something in internet clear and simple Cons Sometimes it get bugs but the customer service help me instantly so no more problems easy and i love this feature to much Review Source JM Jazzmen M. Home health aid Medical Practice Used the software for: 1-2 years ### "Apple great" June 22, 2026 5.0 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 Review Source OK Omar K. Fulfillment specialist Broadcast Media Used the software for: 2+ years ### "Apple Pay all the way!" December 19, 2024 5.0 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. 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. Switched from [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) I switched over because I started to use Apple products for more security. Review Source CP Charlie P. Clinical Effectiveness facilitator Health, Wellness and Fitness Used the software for: 6-12 months ### "Great product, easy to set up and safe to use. " February 10, 2025 5.0 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. 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. Switched from [Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/) Change of device required a change of pay product. Review Source FS Francisco S. Innovation lead Information Technology and Services Used the software for: Less than 6 months ### "The best if you have iPhone or I watch " February 24, 2025 4.0 The best, and the moste secure one, of course, expensive. 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. Switched from [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) Change temporary of the phone, now back to Google Review Source Jesse Z. Software Engineer Computer Software Used the software for: 2+ years ### "In Love With Apple Pay. Convenient and Use Is Second Nature To Me." July 31, 2025 5.0 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. 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. Review Source HG Helder G. Owner Entertainment Used the software for: 2+ years ### "Pay with your phone or watch! " April 20, 2025 5.0 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. 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 Review Source EH Elizabeth H. MYSELF Accounting Used the software for: Less than 6 months ### "Apple Pay - how convenient!" December 26, 2025 5.0 overall i was happy with this experience and will definitely be using it more. Thanks to my friend who uses it all the time. 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. Review Source JG Jonathan G. Director of Plumbing Construction Used the software for: 1-2 years ### "Life Changing" May 15, 2025 5.0 Life changing. I can have everything i need on my phone, without having to carry a lot in my wallet. 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. Review Source TS TJ S. Physical therapist Hospital & Health Care Used the software for: 2+ years ### "Good app for payment options" April 5, 2025 5.0 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. Review Source DP Dana P. Admin Real Estate Used the software for: 2+ years ### "Great to have your wallet digital!" November 5, 2025 5.0 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 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 Review Source MC Malinda C. Homemaker Hospitality Used the software for: 1-2 years ### "Great software " April 18, 2025 5.0 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 Review Source kU kirsty U. Office Administrator Events Services Used the software for: 2+ years ### "apply pay app " March 14, 2025 5.0 my experience of this app is the best... Pros the app is great and fast for making any payment Cons I have not had any issue with this app.. Review Source RB Romina B. Moderation Internet Used the software for: 2+ years ### "No more wallet " March 2, 2025 5.0 Since I own my iPhone I can’t imagine not having it. It is the definitive solution. Pros Always handy, I use it daily, no more carrying a wallet. Cons The Face ID is too complicated when you are paying on a post net or card scanner Review Source SB Sisay B. Hardware Engineer Computer Hardware Used the software for: 6-12 months ### "Apple pay and easier life" March 6, 2025 5.0 I am quite good using it and its features really helped me to do transactions faster and in a more secured way 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 Review Source JG Jamie G. Office Manager Medical Practice Used the software for: 2+ years ### "Easy to use" April 8, 2025 5.0 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 Review Source MD Mike D. Owner Food & Beverages Used the software for: 2+ years ### "Amazing Digital Wallet" December 30, 2024 5.0 Pros The fact that I do not have to bring my wallet everywhere Cons It can be hard to connect some cards at times Review Source Similar Products Featured