# Page 7 | Apple Pay Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Page 7 - 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

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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/)

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Last updated March 13th, 2026

# Page 7 - Reviews of Apple Pay

## Showing most helpful reviews

Showing 151-175 of 840 Reviews

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Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

VR

Verified Reviewer  
Assistant  
Consumer Services  
Used the software for: 2+ years

### "Apple for the Win!"

August 11, 2021

5.0

Pros

Ease of access to my cards never have to go through cards wasting time to check out

Cons

Forget my wallet from time to time, mostly when I need it!

Reason for choosing Apple Pay

More reliable and private

Switched from

[Google Pay](https://www.capterra.com/p/212826/Google-Pay/)

iPhone

Review Source

KP

Khoi P.  
Financial Analyst  
Financial Services  
Used the software for: 6-12 months

### "With one touch; Do it with Apple Pay. "

June 9, 2022

4.0

Apple pay, for me, has been the most efficient way of paying or giving/receiving money. With one tap, I am able to pay for my groceries, shopping, or anything that I need to pay for.

Pros

Definitely the face ID feature. With the advanced setting and your face, Apple Pay accesses your "wallet" and pay for whatever you are getting. Why is this my favorite? It is simple: the efficiency. I am a person that does not like to waste time, and I know many others whom are similar to me. Apple Pay minimizes the time wasted of getting your physical wallet out, the cash or credit in order to give to the cashier.

Cons

What I dislike about this software is that many places still have not integrated Apple Pay into their system. Stores should definitely add this feature because of how efficient the transaction will be, allowing for faster service and completion.

Switched from

[Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/)

I had a samsung galaxy 10 all my life, and I figured it was time to become a blue person (IOS User) hehe. Apple pay did not fail my expections and had even greater, more secure features than what I used previously before.

Review Source

MT

Miranda T.  
Freelancer  
Computer Software  
Used the software for: 1-2 years

### "Apple Pay Review"

August 16, 2021

5.0

My overall experience with Apple Pay has been phenomenal. It always works very efficiently, and it is super convenient and easy to use. I love that it is contactless because it makes paying at checkout so much less of a hassle. I also love that you can use Apple Pay when making purchases online, and I think that it makes everyday life easier. I would highly recommend Apple Pay to everyone!

Pros

Apple Pay is one of the most helpful things that was invented. It makes paying at the checkout when shopping extremely convenient, and it removes the hassle of having to use a physical card when checking out at the store. It is super simple to use, and it makes life easier, and I believe that this digital wallet service has significantly helped improve many people’s lives. Another benefit to Apple Pay is that it is contactless, and prevents the spread of germs.

Cons

The only thing I can think of is that it’s not compatible on every single mobile phone, and Apple Pay is not accepted everywhere yet.

Review Source

VR

Verified Reviewer  
Office Manager  
Retail  
Used the software for: 2+ years

### "Give me apples instead of cash"

November 4, 2021

5.0

Pros

It is so easy to pay my friends back or get money from them when all I have to do is type an amount into the text field and press send.

Cons

It's not compatible with all banks, so one of my friends still has to Venmo me (SOOOO old school)

Review Source

VR

Verified Reviewer  
Senior Vice President and Director of Community Relations  
Philanthropy  
Used the software for: 1-2 years

### "Pay With Apple Pay"

December 16, 2021

5.0

Our overall experience with Apple Pay has been great.

Pros

Apple Pay is a great way to not only allow customers to pay for services, but it is also a great way to transfer money between fellow employees. It is seamless, and the transfer is quick and easy. It is also easy to use when buying goods and materials at local stores for our facility.

Cons

There are few things to not like about Apple Pay. It is a great service, very easy to set up, and simple to use.

Alternatives considered

[PayPal](https://www.capterra.com/p/207944/PayPal/)[Venmo](https://www.capterra.com/p/222572/Venmo-/)

Reason for choosing Apple Pay

We also use the other services at our business.

Review Source

DW

Drick W.  
Owner  
Transportation/Trucking/Railroad  
Used the software for: 2+ years

### "Apple done it again "

October 26, 2023

5.0

I use it I like it and will continue to use it each and every dat

Pros

It's a very easy way to pay very secure with the promise apple is the only one that can give this type of service

Cons

Can't use it on android it will not work on any other phone or system which isn't ios based so that's a disadvantage

Review Source

MH

Mor H.  
Owner  
Marketing and Advertising  
Used the software for: 2+ years

### "The best mobile payment system for iphone users"

August 13, 2023

5.0

Pros

Very easy to use, reliable. Excellent for tracking expenses.

Cons

Nothing, it works flawlessly every time.

Review Source

TG

Thh G.  
Seller  
Marketing and Advertising  
Used the software for: 2+ years

### "Apple pay my best "

July 10, 2023

5.0

Slow problems and savety

Pros

Ilove it because its easy and fast and save

Cons

Most be more options and support to slow

Review Source

Andrés W.  
Sales Executive  
Packaging and Containers  
Used the software for: 1-2 years

### "The safest way"

November 30, 2020

5.0

Apple Pay is my dream come true. I've always wanted to pay with my watch and forget about it. It resolves my discomfort of having my wallet all the time with me.

Pros

Apple Pay helps you pay safe, private and quickly in a lot of places. With just my iPhone or Apple Watch, I can pay as fast as I manage to do it. It also has a lot of features to help you pay your balance at the end of the month and is very transparent.

Cons

I hope Apple Pay will be available at my public transportation service. I know it will come someday.

Review Source

MW

Marie W.  
PCA nurse  
Health, Wellness and Fitness  
Used the software for: 1-2 years

### "Apple Pay when you have no other way"

September 3, 2022

5.0

I’ve been very happy and pleased with it. It goes right through and is quick and easy to use just like your card you tap it to the screen and your done

Pros

So I have on occasion forgotten my wallet at home and was in dire need of a bottle of water or gas for my car and no cash on me. Then I remember I have Apple Pay on my iPhone and my watch and it comes in handy in such times as these. I’ve been low on gas in the country forgotten to fill up and forgotten my wallet with my debit cards or just forgotten to get my debit card back when I’ve given it to my husband to use or such as and the Apple Pay really comes in handy when there is no other way.

Cons

Not every store or place has apple oh but most are starting to use this form of payment

Review Source

JM

Jeemish M.  
Industry Principal Consultant  
Information Technology and Services  
Used the software for: 2+ years

### "Must have service for all Apple users"

March 30, 2024

5.0

Apple Pay has been a life saver, I don’t need my wallet anymore since Apple Pay helps me with my payments and is accepted everywhere.

Pros

Ease of use, reliability and integration with most credit card providers

Cons

No support on android phones and iPhone is a must to use this service

Review Source

MP

Mario P.  
Cargo Sales Manager  
Retail  
Used the software for: 1-2 years

### "Apple pay a day makes a stressful transaction away."

January 6, 2019

5.0

All in all, paying my bills using my iPhone X via the Apple Pay is a 100% overall convenient and very secured transaction. But it would be best if there will be more terminals for payments and they should allow other iPhone products to use such amazing application.

Pros

A friend introduces me to use this application. I was very nervous at the time since I'm the kind of person who is very traditional when it comes with the ways of life. But then when I tried to use it, I was glad that I did. It was quick, super easy and secured transaction. Wow! really amazing!

Cons

One thing that I've noticed with this application is that it has a very limited number of stores that are equipped with Apple Pay terminals. Aside from it, my friend also tried to use it on her I phone 5 and it didn't work. I guess it only works for newer generations of i-phones which I think it's unfair since she too uses apple product right?.

Review Source

CH

Carlos H.  
Hairstylist  
Consumer Services  
Used the software for: 2+ years

### "Apple Pay review"

October 24, 2022

4.0

Very easily to use, very happy with it

Pros

What I like most about the software for Apple Pay, is that I can easily pull out my phone and pay for something within a minute, which makes it very nice and quick to make transactions

Cons

That's a good question I really had to think about this in detail, I think that it should be everywhere, but I guess that depends on the place of business that carries Apple Pay for their check out service, not everybody has Apple Pay, which kind of bothers me, I went to Ralph's the other day, and they had no option for Apple Pay, which was kind of a bummer

Review Source

VR

Verified Reviewer  
Volunteer  
Non-Profit Organization Management  
Used the software for: 1-2 years

### "Apple Pay- the best most convenient mobile wallet"

July 19, 2022

5.0

Apple Pay was easy and convenient for me to use. It was easy to pay contactless, and had the convenience of a wallet without the hassle or worries of losing a physical wallet.

Pros

Apple Pay has a great contactless pay. I don't have to take out my card or worry about leaving my card at home when I have Apple Pay, and when ordering online, I don't have to type in my card number, as it is already saved. Apple Pay has a great layout, is easy to use, and easier to pay with just one tap. I also enjoy the convenience of being able to organize my cards and not having to worry about losing them.

Cons

Aside from some stores still not accepting Apple Pay, I haven't faced any issues with the app.

Review Source

VR

Verified Reviewer  
Cyber Security Specialist  
Security and Investigations  
Used the software for: 2+ years

### "it just works"

July 1, 2022

5.0

It's awesome. I haven't carried my bank cards in years. Seriously.

Pros

It's insanely easy to use and it always works. Flawless.

Cons

You can't send money to another person via Apple Pay...yet.

Review Source

KB

Kyesolyn B.  
Owner  
Health, Wellness and Fitness  
Used the software for: 2+ years

### "Convenient and Secure"

February 29, 2020

5.0

I love ApplePay. I even upgraded my computers and credit card scanners so that I’m able to accept all forms of payment. I have never had a problem or felt my information was or could be compromised.

Pros

It’s really easy to set up and use. I like that I’m able to put multiple cards in my wallet on multiple devices. That alone is a life saver because it eliminates the need to carry a wallet or handbag if I want to run in and get out quickly. It also comes in handy when I forget to grab my physical card.

Cons

The con is going to a place that does not or is not capable of using ApplePay. Having ApplePay also makes it way too easy to spend money! One swipe, tap and it’s done!

Reason for choosing Apple Pay

Felt it had the best security

Review Source

Daniel N.  
Dance Artist & Choreographer  
Arts and Crafts  
Used the software for: 2+ years

### "make your daily life easier"

November 15, 2020

5.0

I used for all my payments, online, supermarkets and physical shops, paying with my Apple Watch or iPhone 12. very happy

Pros

It is very convenient and easy to use. very secure!

Cons

I am very happy with Apple Pay, It is such a great idea. it would be better to apply the option of Apple Pay to more online stores.

Review Source

KS

Katja S.  
call center ambassador  
Hospitality  
Used the software for: 1-2 years

### "Better than a Physical Wallet!"

November 5, 2022

5.0

I would and have recommended Apple Pay to numerous friends, family, and colleagues. The majority of stores now accept Apple Pay, as well!

Pros

Apple Pay makes paying in store and sending money so much easier, especially if I don't have my wallet with me. I love that there are no transaction fees and when I have had to dispute a fraudulent payment, I received a response within less than a day or two!

Cons

There was one occasion where my account was frozen and under review for a few hours and I was unable to send or receive money. It only lasted a few hours, but I never received an explanation or reason for the freeze. Other than that, I have had no issues!

Review Source

JM

Jacquelyn M.  
receptionist  
Mental Health Care  
Used the software for: 2+ years

### "Awesome app!"

August 9, 2023

5.0

It has been a life saver at times when I have forgotten my purse.

Pros

Easy to use when you don't have your card on you. You can be able to use it at any place that accepts apple pay.

Cons

There isn't anything regarding apple pay that I dislike its very easy to use and sufficient to handle.

Review Source

VR

Verified Reviewer  
Stage Tech  
Leisure, Travel & Tourism  
Used the software for: 2+ years

### "safe and secure option for customers to pay"

September 28, 2021

4.0

Pros

When the pandemic started allowing customers to use apple pay was huge for the business.

Cons

It's straightforward product so there's not really much to critique

Review Source

Shaunak P.  
Cloud Engineer  
Information Technology and Services  
Used the software for: 2+ years

### "Secure, safe and trustworthy application for payments in Apple Services!"

February 4, 2023

5.0

Apple pay is very modern and safe. It is protected with "Apple proof" safety.

Pros

\- I love it for the fact that we need not to carry out physical credit/debit cards with us if we have Apple Pay.- Blazing fast payments experience with 0 drop security.- Amazing offers and Cashback with each payment done with Apple card.- High acceptance across multiple platforms and stores.- I have never seen watch paying for you, but apple watch with apple pay does.

Cons

\- There are actually no cons at all.- All discounts are worth it

Review Source

SR

Stijn R.  
Entrepreneur  
Retail  
Used the software for: 1-2 years

### "Just two clicks, a face scan and you are done!"

January 16, 2021

5.0

Because I use it almost everyday I have a really good experience with Apple Pay. I really recommend other to use it as well.

Pros

pros: I love i can leave my wallet at home if I want to quickly grab a coffee or do groceries. You just need to click twice on your on/off button, it will scan your face, finger, and you can pay. I love it because it is very simple to use and works every single time. Also you get a notification after you payed.

Cons

Cons: I really only know one single con in this feature. I once tried to pay something over a certain amount which it did not let me because it was of my maximum limit which I could spend in one time or per day. I tried to change the amount but I could not get it done. So it would be nice to place under the Apple pay button in the settings another button to change that certain amount.

Review Source

Massimiliano C.  
responsabile amministrativo  
Information Technology and Services  
Used the software for: 2+ years

### "pagamenti digitali facili e sicuri"

May 6, 2022

5.0

Pros

la sicurezza, la faciltà d'uso, la possibiltà di approvare con apple watch lo rendono uno strumento indispensabile nelle transazioni di pagamento contactless. La sicurezza biometrica è una perla

Cons

nessun inconveniente incontrato, tutto sempre perfetto e veloce

Review Source

TH

Tiara H.  
Service Manager  
Entertainment  
Used the software for: 2+ years

### "Card free, contactless payment"

August 5, 2021

4.0

This application can help you in situations when you are in a bind. For example, you are able to withdraw money from your bank account at your bank ATM using just Apple Pay, no ATM card required.

Pros

The biggest draw to Apple Pay is the ability to create your own personal digital wallet. All of your payment methods are stored on Apple Pay, allowing you to make purchases quicker, and smoother than traditional pament. Apple Pay is also secure in the fact that Apple isn't directly exposed to your financial information, allowing for fraud protection and privacy.

Cons

Apple Pay isn't available at all major merchants, which means that you might have to have some back up form of payment anyways.

Review Source

MS

Michael S.  
Student  
Education Management  
Used the software for: 2+ years

### "Apple Pay Review"

January 1, 2024

5.0

Really easy to use, can save a lot of time. The no limit on contactless payment is really usefull when dealing with expensive purchase

Pros

\- Ease of use - Accessible - Secure - Possibility of online payment

Cons

\- Sometimes, like for example Japan, don't always accept Apple Pay

Review Source

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