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About Apple Pay

Cloud-based secure digital wallet application designed for payment processing, sales tracking, processing returns, and more

Learn more about Apple Pay

Pros:

M able to use my phone or other device at any retailer that accepts it. Plus the software is simple and easy to use, the integration with iOS works phenomenally well.

Cons:

Apple pay does not work very well in all countries and they need to integrate many cards that are not yet included. Some shops do not accept it yet.

Apple Pay ratings

Average score

Ease of Use
4.8
Customer Service
4.5
Features
4.7
Value for Money
4.7

Likelihood to recommend

9.1/10

Apple Pay has an overall rating of 4.7 out 5 stars based on 782 user reviews on Capterra.

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Filter reviews (782)

Tikisha
Tikisha
Lead Customer Service Representative in US
Verified LinkedIn User
Financial Services Software, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source

ApplePay is very convenient to use

5.0 3 years ago

Comments: Overall I like ApplePay, it’s very easy to use & navigate.

Pros:

I love the fact that in my really tiring days when I’m online shopping & I see something that I want to buy & that apple pay option comes up, all I have to do is double tap. No getting up looking for the card or logging in to a website is required.

Cons:

What I don’t like is that every time you reset your phone you have to re enter all of the security codes for each card. They should at least keep one full card on file.

Jaqueline
CFO in Brazil
Hospitality, 51–200 Employees
Used the Software for: 2+ years
Reviewer Source

Really good, accepted in a lot of countries, but in the USA could be better

5.0 last year

Comments: Really good, love it, super easy to use

Pros:

It's super easy and intuitive, I have my cards on my iPhone and I can pay things just using the phone.

Cons:

It's not accepted everywhere, in Walmart for example in the USA it's not accepted.

Eric
President in US
Consumer Services, 2–10 Employees
Used the Software for: 1-5 months
Reviewer Source
Source: SoftwareAdvice

Terrible Customer Support

1.0 last year

Comments: See above for the full description. We stopped accepting Apple pay as a payment source as of December 2023.

Pros:

Nothing. As a merchant and customer, they do not keep commitments to follow-up with call-backs, they lied to a customer telling them the merchant was lying and had the funds, and they can not answer basic tranaction questions.

Cons:

As a merchant and customer, they do not keep commitments to follow-up with call-backs, they lied to a customer telling them the merchant was lying and had the funds, and they can not answer basic tranaction questions.

Casey
Luxury Home in US
Media Production, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

Life Saving App!

5.0 2 months ago

Comments: Overall Apple Pay is a life saver, and the fact I can organize my cards and purchases in one place is incredible.

Pros:

Apple pay has been a game changer for me, not having to search through my purse and the unfortuante times I forget my purse all together, has been wonderful. It's incredibly convenient and makes shopping very easy. I love that it uses face ID, it feels safe and comforting.

Cons:

The only con I can think of is that it is not accepted everywhere. Another con is obviously if my phone died

Ahmet Fatih
Ahmet Fatih
Lecturer in Türkiye
Verified LinkedIn User
Higher Education Software, 11–50 Employees
Used the Software for: 1-5 months
Reviewer Source

Limited specs in every step.

4.0 2 years ago

Pros:

It is really hard to understand why Apple tries to limit users in every new product they launch. If you make the move from Android to Ios you understand how limited Apple wants their users to be. Anyway, Apple Pay is not open for use in Turkey. You can not pay contactless with iPhone.

Cons:

You cannot pay contactless with iPhone in Turkey. Funny? Yes you cannot.

Verified Reviewer
Verified LinkedIn User
Retail, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Everyone looks for Apple Pay

5.0 6 months ago

Comments: 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

Verified Reviewer
Verified LinkedIn User
Marketing & Advertising, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Versatile and Super Easy to Pay on the Go, Even Overseas

5.0 4 months ago

Pros:

Ease of use and versatility of payment devices and locations

Cons:

It doesn't integrate as well with my budget software

Verified Reviewer
Verified LinkedIn User
Real Estate, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Good but not accepted everywhere

5.0 6 months ago

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

Cassandra
Operations Manager in US
Hospital & Health Care, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source
Source: SoftwareAdvice

Worth Using!

5.0 4 months ago

Pros:

I enjoy the convenience of paying my phone/tap.

Cons:

I am concerned about possible transaction fees.

Cassaundra
Billing Manager in US
Health, Wellness & Fitness, 11–50 Employees
Used the Software for: 1+ year
Reviewer Source
Source: SoftwareAdvice

Awesome Product

5.0 4 months ago

Pros:

User Friendly and easy to setup for everyone.

Cons:

Not really any dislikes. I use Apple pay often

LISA
Therapist in US
Mental Health Care, Self Employed
Used the Software for: 2+ years
Reviewer Source

Really Easy to Use

4.0 12 months ago

Pros:

Really easy to use, add in your credit cards and they are ready to go. Easy way to pay for things, most places accept Apple Pay, and I don't need a bunch of credit cards in my wallet.

Cons:

Apple Pay does not identify with my credit card with certain shop rewards. Also I tried putting a transit card in my phone case to get around, but it kept triggering Apple Pay even though I turned off the function to use it. It was annoying- I had to get my card out of my phone case to scan.

Salah
HR in Saudi Arabia
Capital Markets, 51–200 Employees
Used the Software for: 1+ year
Reviewer Source

Apple is the best company

5.0 last year

Comments: There is no doubt about anything through Apple because Apple does everything so that we feel happy. Apple is always distinguished by it a lot in all challenges and good interests and development is always very good and Apple is very safe for privacy

Pros:

Speed ​​​​and constant notifications at the moment of payment, and it also facilitates the method of payment. Apple is one of the best companies that I love very much, and I do not want to associate Apple with any company because it is the best in excellence

Cons:

I think that nothing is missing because Apple always loves excellence and also has a strong program in development and challenges and every day something great happens from Apple I do not think that there is a company like Apple because Apple is the best for me

Nathan
Founder in Poland
Marketing & Advertising, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Makes your life easier!

4.0 last year

Comments: Really good! Makes my life easier, love to use it

Pros:

Easy to use. I don’t need to carry credit cards around.

Cons:

Not acceptable everyone, could be acceptable in more places

Lyiana
Fuliment in US
Retail, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Great use

5.0 12 months ago

Pros:

If I didn’t have my physical card I can use apple to pay

Cons:

Nothing it’s a great use for ppl tht don’t have a card

Haydn
Boss in Australia
Computer Games, Self Employed
Used the Software for: 1-5 months
Reviewer Source

Very useful

5.0 last year

Comments: Makes life so much more simple freeing up time to do other things

Pros:

The ease and compatibility of Apple Pay makes life so much more simple for you to do other things with the spare time saved

Cons:

Not a lot to dislike about Apple Pay, almost everywhere you can use eftpos will use Apple Pay also which is useful

mahfam
Designer in Canada
Architecture & Planning, 11–50 Employees
Used the Software for: 1-5 months
Reviewer Source

Apple Pay

4.0 6 months ago

Pros:

Quick payment for the phone and Apple Watch

Cons:

Not accepted by all retailers and also iphone battery

Sechaba
Pre-Sales Specialist in South Africa
Information Technology & Services, 1,001–5,000 Employees
Used the Software for: 2+ years
Reviewer Source

Hassle free shopping

5.0 last year

Pros:

The convenience of having access to my bank cards without carrying my wallet.

Cons:

Nothing, I can’t think of a single fault.

Wim
Lawyer-Partner in Belgium
Law Practice, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

Very easy to use, intuive method of payment

5.0 2 years ago

Comments: Easy payments at various locations. No hassle and discrete.

Pros:

I use Apple Pay frequently to pay after a lunch with business partners. With face recognition the payment is completed in no time. Also for small purchases it is super easy and useful.

Cons:

No features missing - Apple Pay provides the services one can expect from it. So simple to use that there are no remarks.

Tara
Researcher's in India
Education Management, 1,001–5,000 Employees
Used the Software for: 2+ years
Reviewer Source

Apple Pay is a convenient and secure mobile payment system

5.0 2 years ago

Comments: 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.

George
Photographer in US
Photography, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source
Source: SoftwareAdvice

Golden sachs doublespeak

1.0 2 years ago

Pros:

Easy to buy with it. The come on for interest free loans is very attractive

Cons:

Terms are confusing and support was no help

Arturo
Arturo
Multi-tasking in Mexico
Verified LinkedIn User
Marketing & Advertising, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Your iPhone can also be your wallet!

5.0 3 years ago

Comments: 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.

Hamada
Hamada
Operation Manager in Saudi Arabia
Verified LinkedIn User
Hospitality, 51–200 Employees
Used the Software for: 2+ years
Reviewer Source

New era for payment

5.0 3 years ago

Comments: 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 .

Verified Reviewer
Verified LinkedIn User
Electrical/Electronic Manufacturing, 501–1,000 Employees
Used the Software for: 2+ years
Reviewer Source

Apple Pay is widely used application in the market for making the payments easy using phone

5.0 3 years ago

Comments: 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.

James
James
Owner in US
Verified LinkedIn User
Entertainment, Self Employed
Used the Software for: 1+ year
Reviewer Source

Apple Pay Saves the Day!

5.0 3 years ago

Comments: With the way the world is now 2022, I have loved the Apple pay contactless Purchasing , and the User friendly Software use and , I know that this is the future of contactless Shopping and, Buying on line, it will be like this and More Im Hoping into the Future of Technology because I know that Apple Will be in the Forefront of the Industry.

Pros:

I love this Apple software , I have been an Apple user for years since 2009, I love My Phone, My Mac Book Pro, Apple Watch, Ect. I Love how Apple Has the User friendly Software for old People to even Get to use, I love the technology that evolves with the Times, and the Updates that Continue to improve the Apple Experience . Apple Pay Has had me so comfortable to use with my Phone, no Touching anything! I am a Apple Believer for Ever, because the Software that is in all Apple Product are the most Advanced Software out .

Cons:

The Only thing I have con's about with Software is the thought of it being so Easy to use and Maybe easy to Hack? because there are a lot of Hackers out there , But Have not had a Problem yet, I just Know that Apple also has antivirus Software that is Second to None!

Jerad
Jerad
Freelance photographer in US
Verified LinkedIn User
Photography, Self Employed
Used the Software for: 2+ years
Reviewer Source

My experience

3.0 3 years ago

Pros:

I will say that there were numerous times I forgot my wallet at home and then I would be nearly out of gas and then I would remember, when I had my iPhone, apple pay. It is convenient when least expected.

Cons:

Irregardless of the convenience, there was quit a bit of issues I would run into, however, apple pay isn't the only platform with the issues I'm referring to. There are still a lot of banks that dont support nfc payments, which is an inconvenience, especiallly where covid has made most everything "contactless".