# Page 2 | Apple Pay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Apple Pay the right Mobile Banking solution for you? Explore 840 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 (840) 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 # Page 2 - Reviews of Apple Pay ## Showing most helpful reviews Showing 26-50 of 840 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use VR Verified Reviewer Director Education Management Used the software for: 2+ years ### "APPLE PAY REVIEW" January 13, 2026 5.0 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. 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. Review Source Nathaniel H. Process Engineer Automotive Used the software for: 1-2 years ### "Apple Pay - Mobile Payment Service" April 8, 2025 5.0 For a long time I was hesitant to utilize Apple Pay on my iPhone. However, once I finally made the decision, I haven't looked back. I feel that the software works great and gives you everything you need with it and nothing that you don't. Pros What I like most about Apple Pay is that when I use it to pay for goods or services in-person, I never have to sign my receipts. I know that is a strange thing to say is my most favorite thing about Apple Pay. But often times I will find myself purposely using Apple Pay as payment at stores or businesses that I know will require me to sign my receipt should I use a credit card. Cons I honest to goodness do not have a single complaint about Apple Pay. It just works. 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 JJ Jada J. Personal Assistant Hospital & Health Care Used the software for: 2+ years ### "Apple Pay is amazing " September 9, 2025 5.0 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. 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. Review Source EB Ethan B. Detailer Automotive Used the software for: 1-2 years ### "Apple Pay review" December 1, 2025 5.0 Simple to use with two click of a button you can access multiple cards and tap your device and it is simple to see if the transaction goes through. Pros Super simple to use in my business, being a business owner with employees this allows me to share the business card. Cons I don’t feel like it has the best security measures but i have not been affected by it, would like to see some sort of security system. Review Source TC Tamiko C. PUBLISHER Writing and Editing Used the software for: 1-2 years ### "Apple Pay is indeed FABULOUS!!" September 1, 2025 5.0 I can’t express enough how much I truly love this software. My overall experience has been fantastic and has drastically improved the way I shop. Pros I love how I use my Apple Pay in my digital wallet and use it almost anywhere I go. It has truly simplified my life! Cons My least like is that isn’t available everywhere, but most places I go it’s available. It’s such a great software it should be available anywhere and every where. Review Source YD Yanatha D. Consultant Entertainment Used the software for: 1-2 years ### "Apple Pay paves the way" November 20, 2025 5.0 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. Review Source SJ Sheryl J. FIELD ESTIMATOR Consumer Services Used the software for: 2+ years ### "Apples To Apple Pay" February 24, 2025 5.0 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. 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. Switched from [Zeller](https://www.capterra.com/p/10005081/Zeller/) Apple Pay allows for more functionality. 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 NE Nicole E. Profesional Cleaner and Organizer Hospitality Used the software for: 2+ years ### "Apple Pay allows for Quick Convenient Transactions " May 15, 2025 5.0 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. 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. Review Source VR Verified Reviewer Chefe de Marketing Apparel & Fashion Used the software for: 2+ years ### "avaliação apple pay" January 17, 2025 5.0 ótima experiência, simplesmente a melhor forma de fazer pagamentos, ajudando em diversos meios do dia a dia. Pros Bom app de pagamento, simplesmente o melhor, sendo integrado com todo o ambiente apple. Cons não há contras, sistema muito sólido e útil Switched from [Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/) mudei para o sistema apple, e com isso me adaptei melhor ao novo ambiente. Review Source MM Monica M. Owner Arts and Crafts Used the software for: 1-2 years ### "I love Apple products " September 25, 2025 5.0 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! 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! 🍎 Review Source VR Verified Reviewer Office Assistant Health, Wellness and Fitness Used the software for: 2+ years ### "User-Friendly, Convenient Method of Paying" July 26, 2025 5.0 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! 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. Review Source BS Ben S. Founder and Lead Sound Engineer Entertainment Used the software for: 2+ years ### "A frictionless way to pay for studio time" May 23, 2025 4.0 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. 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. 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 RW Renee W. Direct support professional Hospital & Health Care Used the software for: 2+ years ### "Lightning speed way to send money or make purchases. " October 26, 2024 5.0 One of my other favorite features about Apple Pay is that anyone with an iPhone can send and receive money by simply sending a text message! This has to be the fastest and easiest way to send money to someone. It's literally instant & there are no fees! Pros Apple Pay is very user-friendly. You can upload your credit/debit cards by simply taking a picture of the card, without having to manually enter any numbers. I would estimate that at least 90% of the places I shop accept Apple Pay. One very large chain that does not allow you to use Apple Pay is wal-mart, which has been frustrating a few times when I didn't have any cash or cards on me. I love the fact that if I'm going on a bike ride, as long as I have my phone, I'm able to grab a coffee or a bottle of water without having to carry my purse or cash while biking. I'm able to just tap my phone & it acts exactly the same as using the hardcopy. There are no additional fees for using Apple Pay vs your actual card. It's faster & more convenient then digging through my purse & wallet to pay for my items with cash or cards! Cons I don't like that I can't use it to send money to anyone who doesn't have an iPhone. Switched from [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) Easy to use, convenient, faster than using debit or credit cards, not having to mess with cash or handle change. No extra fees or charges for using your cards on Apple Pay versus the hard copy. Review Source BF Bethay F. NA Music Used the software for: 1-2 years ### "Very helpful" October 2, 2025 5.0 It’s very good, so so convenient especially when I forget my wallet, or don’t have cash it’s really helpful. Pros It’s very easy and quick to use, you can put your bank card on there too, it’s very very helpful when I don’t have my card. Cons Sometimes I get random fees from apple, and i have no idea where it came from but they aren’t awful I always dispute them if I have to. Review Source TM Tristan M. Software engineer Computer Hardware Used the software for: 2+ years ### "Great experience " January 15, 2026 5.0 My overall experience with Apple Pay is wonderful as it’s so convenient for my day to day routine and easy to use. Pros I love using Apple Pay for when I have to send and receive payments for when I fix electronics and repairs and ready for payment it’s easy to use and great support. Cons What I don’t like too much about Apple Pay is sometimes it can be buggy and I’ll have someone send me money and doesn’t go through and give error 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 SR Stacey R. Vp of Ops Real Estate Used the software for: 1-2 years ### "Very convenient and easy to use " June 15, 2025 5.0 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. 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. Review Source SG Shauntel G. Operations Coordinator Hospital & Health Care Used the software for: 2+ years ### "good product" April 22, 2025 4.0 use very often and is easily used once set up Pros the convenience of being able to use my card if i forget it Cons very hard to get credit card to link to it 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 PS Pebbles S. Insurance Agent Insurance Used the software for: 2+ years ### "Choose Apple Pay" December 21, 2024 5.0 I have only had positive experiences with Apple Pay. 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. Review Source MT Megan T. Office Manager Construction Used the software for: 2+ years ### "Love. It. I use it as often as I can" April 13, 2025 5.0 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 Review Source Similar Products Featured