# Page 4 | Apple Pay Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - 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 4 - Reviews of Apple Pay ## Showing most helpful reviews Showing 76-100 of 840 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use CM Cassandra M. Operations Manager Hospital & Health Care Used the software for: 2+ years ### "Worth Using!" August 24, 2024 5.0 Pros I enjoy the convenience of paying my phone/tap. Cons I am concerned about possible transaction fees. Review Source JF Jessica F. Operations manager Consumer Services Used the software for: 1-2 years ### "Ease of use!!!" July 19, 2024 5.0 Pros Nearly everyone has a mobile phone now! It’s so easy to pay with your Apple device! Cons Nothing comes to mind at this time, all positive Review Source CG Cassaundra G. Billing Manager Health, Wellness and Fitness Used the software for: 1-2 years ### "Awesome Product " August 24, 2024 5.0 Pros User Friendly and easy to setup for everyone. Cons Not really any dislikes. I use Apple pay often Review Source AD Angela D. Studente Food & Beverages Used the software for: 1-2 years ### "Semplicemente fantastica" October 1, 2024 5.0 Mi trovo davvero bene e la consiglierei molto volentieri Pros È molto bello e super facile lo puoi usare quando non hai la carta con te Cons Sinceramente nulla è un app molto Facile da utilizzare Review Source JN Jay N. Pool repair Individual & Family Services Used the software for: 2+ years ### "The apple of my pay " July 11, 2024 5.0 Pros How safe and secure and unhackable it is Cons How quickly you can get locked out of it Review Source Yin Syuan Y. designer Design Used the software for: 2+ years ### "Best and useful way to pay everything" June 11, 2024 5.0 Pros It's so convenient to pay literally everything no matter physical store or online, and it'll also change the credit card number to keep sercurity. Cons I'm a foreigner in the UK, so if I need to add my Taiwanese credit card to apple wallet, it requires me to call the bank, but I can not call as it's an international call, if I can verify through email that'll be helpful. Review Source VR Verified Reviewer CEO Retail Used the software for: 2+ years ### "Everyone looks for Apple Pay " June 2, 2024 5.0 Overall I like providing Apple Pay to my clients as another way to pay. The easier for them to pay the better for everyone. Pros Apple provides a simple convenient way for customers to pay for their purchases Cons I’m always looking for lower payment processing fees Review Source VR Verified Reviewer Owner Real Estate Used the software for: 1-2 years ### "Good but not accepted everywhere" June 24, 2024 5.0 Pros I like the ease of app and the overall integration with tickets Cons I would use it more if it was accepted at more major retailers Review Source AR Anastasia R. Titolare Capital Markets Used the software for: 6-12 months ### "Recensione Apple pay " June 23, 2024 4.0 Pros Non archivia dati sulle transazioni se si paga con carte prepagate o di debito Cons Le connessioni wi fi pubbliche interferiscono con la sicurezza Review Source AC Austin C. Seller Consumer Goods Used the software for: 1-2 years ### "Apple Pay Seller Review" June 7, 2024 5.0 Pros Apply pay is very convenient to use, with being able to connect you bank information to Apple Pay and being able to have its on your iPhone helps when you don’t have your physical debit card or perhaps you left your wallet at home or in the car you can use Apple Pay to pay for whatever you need at that moment. You can also use it to make transactions with other people for selling goods and products. Cons There isn’t much I don’t like about Apple Pay, the only thing I find not useful is it’s for Apple members only so if you don’t have an iPhone, you can’t use it. Review Source GD Giuseppe D. risorse umane Human Resources Used the software for: 1-2 years ### "come muoversi in liberta. " March 2, 2024 5.0 Molto positiva, mi ritengo molto soddisfatto del servizio. Pros I vantaggi importanti sono la facilità di inserimento delle nuove carte di credito e di debito. Io ho sostituito la carta fisica con questa applicazione, molto comoda , in quanto non ho più bisogno di utilizzare il codice segreto per i pagamenti. Cons Nessuna anomalia riscontrata, tutti i pagamenti sono risultati molto comodi e sicuri. Switched from [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) in quanto ho cambiato dispositivo mobile e su iphone è incluso come applicazioni iniziale. Review Source VR Verified Reviewer Founder Music Used the software for: 1-2 years ### "The Ease and Amazing Simplicity of Apple Now in a Payment Processor" October 24, 2021 5.0 Apple Pay for my business has been beyond amazing. I actually signed up for a new website host specifically because it integrated with Apple Pay. Customers are more likely to purchase from websites that use Apple Pay, because it simplifies the checkout experience and adds trust. Someone who is new to a website may not want to put in their credit card number for security concerns. When they see Apple Pay is an option, it is likely to bring in more completed sales, since they know their data is safe and their number is hidden. Pros Apple Pay is a game changer when it comes to processing payment. It takes the ease and simplicity of Apple, and brings that into the payment and banking space. By integrating Apple Wallet with Apple Pay, it simplifies the checkout experience, making safety, privacy, speed and practicality all happen with one simple click. When using a MacBook, Apple Pay can easily be accessed using Touch ID, making the process even faster. I love how you don't need to keep entering your credit cards numbers, payment information, or address. What is even better, is Apple encrypts the information so the merchant can't see your card number or certain info, and automatically knows how to issue a refund even without providing the merchant that information. It's truly a genius system. Cons Overall, Apple Pay is truly amazing and wonderful. I can't actually think of anything I don't like about this software. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Apple Pay I use both products, and love both products, but Apple Pay has a unique set of benefits. By integrating with Apple and Apple products in such a streamlined way, it is a must have for any Apple user and Apple fan. Review Source Arturo L. Multi-tasking Marketing and Advertising Used the software for: 2+ years ### "Your iPhone can also be your wallet!" June 4, 2022 5.0 Definitely for everyday use and I invite anyone watching this review to try it for their iPhone as it can be a game-changer for people who may no longer like to bring as much cash either for security issues or some other reason, Apple Pay will back them up and may even save the day. This app is already integrated with iOS. Pros The great ease with which one can use this app integrated to your iPhone since you can integrate several of the ones you have and also know how to manage their movements in the same way. Being already in a digital age, I am surprised that many people still do not use this advantage that we practically have and that several remove it from their menu, with simply passing through a scanner our iPhone to the cash register, we can do the supermarket and no longer bring all the cash we usually carry in our wallet or avoid that long wait when we pay by credit or debit card. Cons It may be that in many parts of the world there are still not so many establishments that accept this form of payment, since for various reasons this technology is not yet available and the traditional method of payment is still used. Although, the fact that I said that you no longer charge cash and be all digital is not entirely true, since as we know the software of this style of payment, as they tend to fall or have some types of bugs or present with unknown charges, etc... That is why we should take it lightly and have a 50/50 between digital and traditional. Alternatives considered [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) Review Source TC Tara C. Researcher's Education Management Used the software for: 2+ years ### "Apple Pay is a convenient and secure mobile payment system" January 30, 2023 5.0 Apple Pay is solving the problem of enabling secure and fast payments for consumers and retailers. With Apple Pay, users can pay for goods and services with their iPhones, iPads, and Apple Watches, making it easy to shop securely and quickly.The benefits realized with Apple Pay include Increased Security, Improved User Experience, Increased Revenue, and Reduced Payment Processing Time. Pros The features that have had the greatest impact on Apple Pay are its ease of use, fast and secure purchases, and ability to store payment information to streamline purchases. Customers also appreciate the added layer of security provided through biometric authentication when making purchases.Apple Pay is quite easy to use, and it integrates with existing customer payment methods such as credit/debit cards and bank accounts. It is also compatible with many popular online and in-store services making it an attractive payment alternative. Integration with a business's existing checkout process is generally easy as long as the customer has an iPhone, iPad, Mac, or Apple Watch. Cons Some features that could be improved in Apple Pay are allowing customers to customize their payment experiences, like choosing a reward or special offer when checking out or setting up recurring payments.Yes, a few aspects of Apple Pay may be challenging to use. These include setting up the service, adding multiple cards, setting up notifications, and using loyalty cards. Integrating with existing business processes can take time for businesses to learn how to use Apple Pay and set up the necessary requirements. Companies may also resist accepting Apple Pay as a form of payment due to its extra processing costs as opposed to other methods. Review Source EO ELMAHDI O. Director Non-Profit Organization Management Used the software for: Less than 6 months ### "Apple Pay simply does not work" April 6, 2019 1.0 It has been an unmitigated disaster. Apple Pay took 9500 of my money. They did NOT complete the transfer in the way it was supposed to have been completed. Then, adding insult to injury, they suspended my account and told me I could not get any information for at least 3 Business days. This was done despite the fact that all accounts used were in my name and I have excellent credit. The problem resulted because the transfers showed up as ACH transfers instead of Apple Pay iPay transfers. This happened through no fault of my own, as there was no option to choose the 1% method instead of the regular useless ACH. This problem is not just a problem that I have, it is a problem that anyone who tried to transfer funds without the version 12 would have experienced. Instead of apologizing and understanding that this was generated by their error, they did the exact opposite and penalized me, the customer even further. To date, I still have not gotten my 9500 dollars back. They claim it will take another 2 business days to complete their review. They also claim that this happened because of a computer glitch that detects unusual activity. They referred me to the TOS where they claim that I gave them permission to hold my money for 3 business days, but nowhere in the TOS is the word three business days available. These people are simply incompetent criminals Pros Nothing. It simply does not work. They extort money from customers and do not send them the way that they are supposed to. They lie and cheat and they do not reply to customers with respect or even the most basic courtesy. I have nothing good to say about Apple Pay. Cons The software as version 9 caused customers like me tremendous problems. I tried to transfer $9500 from my Apple Pay to my Ameritrade account. This transaction should have been instantaneous and it was promised as being an immediate transaction. This is why I tried to use the service. This was a mistake. The transaction instead went through as a regular ACH transfer. Using Apply Pay for ACH simply does not make sense as they are far inferior to a standard bank. Apple Pay does not insure your money nor are they even able to give you something as simple as a receipt proving the transaction has been made. Contacting them is a nightmare and if you manage to get anyone on the phone, rest assured that they will be ZERO help and will simply repeat what representative, a guy being investigated by a number of regulatory agencies including the department of justice tells them to say, "we are the highest authority". This is what they tell you if you ask them to speak to a supervisor. More importantly, not only are they useless, but they are rude to boot! The fact that version 9 (prior to version 12) causes so much damage to the average customer is a technical nightmare. I have no idea what the newer version 12 does, because even though I downloaded after my issues started, at that point my Apple Pay account had been suspended and my money has been in limbo for the past two business days including the weekend. Horrible system. Review Source mP mahfam P. Designer Architecture & Planning Used the software for: Less than 6 months ### "Apple Pay " June 5, 2024 4.0 Pros Quick payment for the phone and Apple Watch Cons Not accepted by all retailers and also iphone battery Review Source JD James D. Director Retail Used the software for: 1-2 years ### "I (almost) never need to bring along my credit cards anymore." July 29, 2018 5.0 Even with the cons, I still love using Apple Pay. I’ve had more than one person look on in awe when I use my phone to pay with purchases. I’ve also helped others set theirs up so that they can pay using Apple Pay. While I would be hesitant to use it on an iPhone X because of the device’s lack of fingerprint sensor, I absolutely love using it on my iPhone 7. I do not currently own an Apple Watch but knowing that Apple Pay is integrated makes me want to jump on the wagon and get myself a smartwatch. Pros I love the ability to bring along all of my credit cards with me without having my wallet with me. All I have to do is hold my phone near the NFC card reader and I can easily pay for a purchase. I also love the ability to send money to friends with iPhones. It’s helpful if we’re out to dinner and they pay, then I can just send them the money via Apple Pay. The number of stores that allow Apple Pay is steadily growing, meaning paying for purchases is getting even easier. I do like the security of Apple Pay, especially the ability to secure my cards using a fingerprint. This way, no one but me can use my cards. I do love the integration of the Apple Watch. The idea that I can pay just by holding my wrist near the NFC reader seems so convenient. Cons There are a few retailers that have not accepted Apple Pay. I’m constantly hearing from my Samsung-owning friends that they can use their phones to pay anywhere using Samsung Pay. I would like to see Apple Pay become more universal. I also would like for Apple Pay to allow me to send money to and from people who might not be using an Apple device. Currently, it only allows sending to and from iPhones. Hopefully, this will change soon. I also am unsure about the security of using Apple Pay’s Face Unlock feature on iPhone X. It does not seem like it would be as secure as a fingerprint. However, in this case, you can also use a pin to lock the app. Review Source MP Marco P. Hairstylist and Salon Owner Health, Wellness and Fitness Used the software for: 1-2 years ### "New Preference for Apple Pay" August 31, 2023 5.0 It's been fine; there have only been a few select moments when it's maybe taken just a few tries, or just a few moments of difficulty somehow when using Apple Pay, but we always seem to make it work. And the good news is that when it works, it works SO quickly, it's done in an instant. This quickness really helps us when running the business, as we don't have tons of extra time for transactions. Pros We've had clients who've wanted Apple Pay for years, and over the last few years, we've begun to accept it, and the certain individuals who really want it, and SO happy for it. I personally like the security factor, it feels so safe. I think the customers prefer this also, over using their credit cards. Cons I don't have many negatives for Apple Pay. We had a demand for it from savvy customers, and now they have it. I guess the only downside for me when I myself USE it to make purcchases is that not every business is set up to take it for payment, so I have to keep that in mind. Alternatives considered [Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/) Reason for choosing Apple Pay Apple Pay was the one that a few clients specifically asked for, so we went with that one. Also everyone seems to know and trust Apple Review Source FJ Flavie J. cheffe de projet Marketing and Advertising Used the software for: 2+ years ### "Apple Pay, le logiciel qui vous facilite la vie" June 19, 2023 5.0 Pros Apple Pay présente plusieurs avantages notables pour les utilisateurs. Tout d'abord, il offre une praticité remarquable en éliminant le besoin d'avoir sa carte bancaire physique sur soi. Il suffit d'ajouter les informations de paiement à l'application Wallet sur son appareil Apple, puis de procéder à des paiements rapides et faciles en utilisant simplement son iPhone ou son Apple Watch. De plus, Apple Pay est hautement sécurisé. Il utilise des technologies telles que Face ID, Touch ID ou le code de déverrouillage pour authentifier chaque transaction, ce qui rend presque impossible son utilisation par une personne non autorisée. De plus, les détails de la carte ne sont pas stockés sur l'appareil ou sur les serveurs d'Apple, ce qui ajoute une couche de protection supplémentaire pour les informations financières sensibles des utilisateurs. Enfin, Apple Pay est largement accepté dans de nombreux magasins, restaurants et sites web à travers le monde, offrant ainsi une grande commodité pour effectuer des achats sans avoir à utiliser physiquement sa carte bancaire. Cons Certain commerçant ne prennent pas en charge Apple Pay, ce qui peut limiter sa disponibilité dans certains endroits. Review Source Gustavo B. Director Marketing and Advertising Used the software for: 6-12 months ### "It is Apple, enclosed, full of issues, hard to set up...What a brand last years." June 3, 2022 2.0 Terrible, I wish we would offer this service to our iPhone Customers, but Apple makes it difficult even formatting a flash drive. Using Apple demands an initiation ritual to make things work, and once you are in the cult, going out is barely impossible since most of the doors are closed. It is a shame, honestly. Trying to install Apple Pay in our Payment Gateway took literally days compared with the minutes required to set up Stripe, Google Pay, Braintree and Klarna. Pros You can make it easy for customers to pay with their phones. Cons Extraordinary difficult to set up. I have no words, it has to be the first time I have that many issues setting up any system ever. You are required to have an Apple ID, you need to be enrolled as a developer then you need to get a developer ID, the website constantly says "503 Service Temporarily Unavailable". You need to provide manually the certificates from your payment provider other than automatically syncing as Google Pay. Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[Google Pay](https://www.capterra.com/p/212826/Google-Pay/) I tried to support the Apple environment in our company, thusly Apple Users would pay easily, but it is everything but easy or straightforward and the system is full of functional issues. We do support several platforms, and I do manage most of the time software installations personally. And giving an honest opinion, I find Apple to work hard in advertising, so they can bring and caught people to their enclosed services. Review Source Hamada E. Operation Manager Hospitality Used the software for: 2+ years ### "New era for payment " October 9, 2021 5.0 Very happy with the apple pay as reduce carrying cash and facilities the shopping and payment process , support team is very helpful , recommended for I phone users , No Extra fees require and gives you privacy and security . Pros In the ear of new technology and reduce the use of money or even carry the plastic card , apple pay appear to cope with the requirements of this age , For we used apply pay as a merchant to receive payment from customers with smooth , uninterrupted interaction. All what we need is providing the customers With NFC Scanner to proceed with his payment with secure and confident manner , and with no risk , customer privacy is best with apple pay , actually apple pay make life easier . Cons Not all merchants or stores using apple pay as acceptance for their transaction , so the service limitation is downside for apple pay , Also need to be available in online shopping . Review Source jC jessica C. freelancer Computer Software Used the software for: 6-12 months ### "APPLE PAY " May 6, 2021 5.0 me gusta mucho la plataforma, me gusta su seguridad, la inmediatez y la velocidad en la que funciona toda la plataforma, si bien creo que deberias de estudiar la manera de habilitar una cuenta de usuario aparte en la cual se utilice los 4 digitos como ya lo habria mencionado, aparte de eso, toda la plataforma funciona de maravillas Pros me gusta que la plataforma utiliza hardware y software que protegen los datos del telefono, y tambien me gusto mucho poder dar un paso mas hacia al futuro teniendo en cuenta que se puede usar de forma opcional faceID o touchID. Si intentas capturar la imagen en la parte donde se muestra la información de tus tarjetas, no almacena ninguna imagen o información por el estilo, porque no se llega a guardar la imagen en la galeria Cons no me gusta que para pagos pequeños como lo son en alquiler de una bicicleta requiera del faceID en los modelos mas nuevos, pues con la situacion de la pandemia aqui en china es todo un tabú, ser extranjero e intentar sacarse el tapabocas aunque sea por unos segundos para pagar menos de 1$, si bien se entendería en montos totales mas altos, el lo de gastos de "caja chica" resulta muy molestos, seria interesante un pin, de 4 dígitos generalmente el que se usa en el bloqueo de pantalla como lo realizan otros sistemas de pagos de Android , para que toda esa situacion de poner una contraseña larga y complicada como cada usuario se encarga de hacerlo con sus appleID no sea un momento tedioso, en sintesis lo que no me gusta es el pago de montos pequeños o bajos utilizando faceID, por la situacion actual, si bien en los otros modelos como el iphone 8 plus era una verdadera maravilla el touchID, ahora con los nuevos modelos se vuelve un momento de locura en cuestiones que deberían de ser rápidas Review Source Axel A. Engineer Automotive Used the software for: 2+ years ### "The best payment app" October 9, 2022 4.0 It's amazing, I love it, is to more easy pay with this method than others. is fantastic, you really need to prove this app, if you have iphone is your opportunity to had the best app. You only need a credit card and an iphone. Pros It's easy and you only need register your credit card and that's it. to the moment to pay you only need to put your password, you don't need to remember all the numbers of your credit card. Cons You need an internet connection for realize all the pays, in some places this pay metod it doesn't work. Apple pay it's excellent app in USA but in other countries is not the best. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Apple Pay Is for all devices Review Source VR Verified Reviewer Graduate Research Assistant Electrical/Electronic Manufacturing Used the software for: 2+ years ### "Apple Pay is widely used application in the market for making the payments easy using phone" May 11, 2022 5.0 Overall, it is satisfactory to use Apple Pay for transaction purposes. I have no complaints about Apple pay quality of services, but for more wide uses it should be added to all stores. Sometimes, if payment failed, it takes time to update so it should be improved to refund faster. Very securely one can add their cards in apple pay and which is highly appreciated for a flexible payment system. Highly Recommended for use in fintech companies. Pros It is common and widely used in most stores and online shops. It is quite fast and reliable and payment is done within seconds. The system has very easy integration capability with existing systems those support cards for payments. So anyone can use it without worrying about payment in their shops or business organizations. Cons Sometimes the payment failed due to software glitches and it needs to be updated. also in a few places it is still not available. So it needs to be added in rest stores around the market. Review Source EF Emanuela F. Project and Obsolescence Manager Mechanical or Industrial Engineering Used the software for: 2+ years ### "Rapidità e sicurezza" September 11, 2023 5.0 Uso Apple Pay sul mio device e su Apple Watch. Comodità assoluta dal momento che non devo uscire il portafogli per pagare ma posso usare il polso o il telefono per pagare. Pros Sono riuscita a collegare Apple Pay attraverso il mio dispositivo iPhone 12 molto facilmente alla banca Intesa San Paolo. Mi piace avere subito e a portata di mano il mio portafogli virtuale, ho anche la possibilità di collegare le carte fedeltà dei miei supermercati preferiti. Dal punto di vista della sicurezza, adoro non dover inserire sempre i dati della carta, perchè apple pay crea una "carta virtuale" nascondendo i dati personali, questo accade soprattutto online. Cons Mi piacerebbe avere un'app dedicata alle transazioni effettuate attraverso apple pay. Per il resto ritengo la funzionalità davvero completa Review Source Similar Products Featured