# Page 3 | Apple Pay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - Is Apple Pay the right Mobile Banking solution for you? Explore 844 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 (844) 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 3 - Reviews of Apple Pay ## Showing most helpful reviews Showing 51-75 of 844 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use 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 NJ Natalie J. Business Relations Executive Food & Beverages Used the software for: 2+ years ### "Life-changing, I use it all the time. " May 24, 2025 5.0 Pros I think it's been life-changing and I use it all the time. It's so convenient to have it all on my phone, I always forget my wallet but never my phone. 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. Review Source cW cynthia W. General manager Leisure, Travel & Tourism Used the software for: 2+ years ### "Great product" February 26, 2025 4.0 I have had a pretty good experience with Apple pay. My card was compromised once and they immediately issued me a refund. Easy to switch payment methods on file. Pros I like the convenience it offers so I don't need to grab my credit card all the time. Cons I really don't have anything bad to say about it. 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 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 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 GZ Gustavo Z. President Construction Used the software for: 1-2 years ### "loving it!" March 25, 2025 5.0 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 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 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 JJ Jamilia J. Private music instructor Fine Art Used the software for: 2+ years ### "Apply Pay review " January 12, 2025 5.0 My overall experience is 10/10. I Enjoy having access to my debit card on my phone. Pros It’s easy to make payments without having to carry a physical debit card. Cons Sometimes I have trouble with certain websites with using apply pay. It says change shipping address; but I have a hard to finding access to make these changes. Review Source DM Davide M. Impiegato Electrical/Electronic Manufacturing Used the software for: 6-12 months ### "Apple Pay miglior portafoglio elettronico in circolazione !" September 17, 2024 5.0 La mia esperienza è assolutamente positiva, perchè non esiste un portafoglio elettronico meglio di Apple Pay al momento sulla carta, è davvero comodissimo, facilissimo da usare, e ti permette di effettuare pagamenti, praticamente istantaneamente. Pros Apple Pay, penso che sia sicuramente uno dei servizi più utili che abbia mai utilizzato, in quanto, mi permette di pagare davvero premendo un pulsante e in modo estremamente rapido, mi permette di collegare diverse di pagamento, in modo da scegliere sempre quella con la quale si preferisce pagare e il gioco è fatto, anche estremamente sicuro per la questione face id. Cons Penso che davvero, ad oggi, non ho ancora trovato un difetto Switched from [Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/) Perchè ho cambiato telefono, e sono passato da avere un samsnug ad avere un iphone Review Source NW Natalie W. Ops Manager Events Services Used the software for: 1-2 years ### "Fantastic product " March 14, 2025 5.0 Apple pay is so easy to use and used by every one 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 Review Source PD Paul D. Ceo Sporting Goods Used the software for: 1-2 years ### "Worst experience ever. don’t trust Apple" January 16, 2025 1.0 horrible! Rip off! Deceptive! Service with a smile, then “appeal denied. Decision final"just another greedy, huge corporation completely willing and able to screw their customers just so they can add another dollar to their multibillion dollar bank account Pros I started out happy about my request for a refund of a subscription. I got on the App Store because it was so easy to reach an actual human being. But later when Apple flatly denied my 100% legitimate appeal and said “decision final" I realized that there seemingly good customer service was just a show Cons They don’t tell you in the App Store whether an app is free or cost money. This, despite the fact that Apple describes the app as FREE outside the App Store. Then when I appealed the $13.99 weekly charges Apple was charging me for Tinder. They flat in denied my 100% legitimate appeal and stated “decision final". Well dear Apple, it’s my final decision to tell as many people as possible about this rotten experience and warn them not to trust you Switched from [Google Chrome](https://www.capterra.com/p/228985/Chrome/) I got an iPhone so Apple Pay is the only way to get apps on an iPhone 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 LS Ledio S. Waiter Restaurants Used the software for: 2+ years ### "Easy and safe payments" January 19, 2025 5.0 Very happy with using it everyday , in small or big shops 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. Review Source CW Caleb W. Csr Food & Beverages Used the software for: 1-2 years ### "Real virtual wallet of my dreams" March 8, 2025 5.0 i love love love using apple pay to replace my real life wallet Pros It's quick and easy to integrate your wallet Cons Nothing to say bad about apple pay so far 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 MF Mike F. Manager Food & Beverages Used the software for: 1-2 years ### "The Master Reviewer" April 16, 2025 5.0 Very good. It’s been an efficient process. Pros Very easy service to use to pay for different stuff. Cons Some technical glitches involved at certain times. Review Source HS Harpreet S. Self Utilities Used the software for: 2+ years ### "Easy and secure" January 18, 2025 5.0 Pros Secure, easy to use, no need to carry physical cards Cons If someone know your phone password, high chance of stealing money 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 AM Amy M. Clerk Government Administration Used the software for: 1-2 years ### "Amy's review" March 27, 2025 5.0 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 Review Source KM Kortney M. Owner Luxury Goods & Jewelry Used the software for: 2+ years ### "Great secure tool" February 12, 2025 5.0 Great tool, better than contactless as secure and “replaces” carrying payment cards. Pros Easy to install, very secure fast and accepted in most places. Cons Sometimes the payment confirmation request doesn’t appear straight away. Review Source PS Paige S. Creative Director Marketing and Advertising Used the software for: 2+ years ### "Convenient, quick and secure payment options!" September 19, 2024 5.0 Pros Incorporating ApplePay to my business was awesome. I could easily give multiple employees access to the one business card and I like that ApplePay has great security. Also allows them to make bigger purchases without the need for a pin like with the physical card. My customers love having this option to pay as well for convenience and ease. Cons If the client or employee’s phone runs out of battery, they don’t have access to this payment option. This would be more of a concern for people who offer services that take multiple hours and must be performed on-site - for me, I haven’t experienced this issue as of yet. If employees have access to the business card via ApplePay, there is room for an accidental charge if they use ApplePay in their personal lives too. Review Source EF Elizabeth F. OWNER Accounting Used the software for: Less than 6 months ### "LIMITED USE " August 26, 2025 2.0 i HATED IT. AFTER 3 MONTHS I SWITCHED TO SOMETHING ELSE. TO MANY BUGS. TO BULKY, AND MANY PEOPLE DID NOT TRUST IT Pros I DO NOT USE APPLE PAY. i DID FOR A SHORT TIME, BUT WENT TO SOMETHING ELSE. AT FIRST I FOUND IT EASY TO USE FOR THOSE WITH IT Cons HARD TO LEARN, TO BULKY, NOT ALL USER FRIENDLY. LIMITED TO APLE USERS. COST ISSUES AND TO MANY BUGS ISSUE. ALWAYS UPDATING Review Source GM Galateya M. Executive Administrative Assistant Computer & Network Security Used the software for: 2+ years ### "Positive review for Apple Pay " October 11, 2024 5.0 Using Apple Pay has been incredibly convenient and secure, making everyday transactions quick and hassle-free. Pros The most I like is that Apple Pay is convenient and secure, allowing quick payments with just a tap and using advanced security features like biometric authentication. It also integrates seamlessly with other Apple services and protects your privacy by not storing or sharing transaction information. Cons The least i like about apple pay is the limited acceptance in some regions and by certain merchants. Review Source KZ Kai Z. realtor Real Estate Used the software for: I used a free trial ### "overview of apple pay" May 16, 2025 5.0 easy to use in terms of making the payments and very friendly interface on the phone Pros very convenient to make payments and it is very easy to operate Cons it is only available in apple device, if you could make it available in android, that will be better Review Source Similar Products Featured