Account summary · Digital walletsRef. 009/44

Apple Pay

FromFree

Free planYes

Rank#9/44

Runs oniOS, Mac, Web, Windows Score6.8

Apple Pay is ranked #9 of 44 in digital wallets on The Finance Base. It runs on iOS, macOS, Web, Windows. There is a free plan.

Apple Pay plans and pricing

All plans

Apple Pay Free No Apple fees for purchases · card issuer may apply usual charges or fees apple.com · 2 Oct 2026

Compared on digital wallets

Free plan: Yes
Asset scope: cards_and_fiat
Virtual cards: Yes
Peer transfers: Yes
Supported platforms: iPhone, iPad, Apple Watch, Mac, Apple Vision Pro, and compatible web browsers/PCs

Best Apple Pay alternatives

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No. 001 Monzo FromFree Free planYES Score7.3 No. 002 Guarda Wallet FromFree Free planYES Score7.2 No. 003 Monese From£2.50/mo Free planYES Score7.1 No. 004 PayPal Invoicing FromFree Free planYES Score7.0 No. 005 Coinbase Wallet FromFree Free planYES Score6.9 No. 006 Google Pay FromFree Free planYES Score6.9

The record

What it does: Apple Pay lets people use eligible debit, credit, prepaid, or gift cards in Apple Wallet to make purchases in stores, apps, and online.
In-store payments: Apple Pay works at contactless payment terminals, where users can authenticate with Face ID, Touch ID, or their passcode.
Online checkout: At participating websites and in apps, users can choose Apple Pay, review payment and shipping details, and confirm the purchase on a supported device.
Transit: In eligible cities, Apple Pay supports public transit, and Express Mode can let users tap with an eligible card without unlocking the device.
Supported Apple devices: Apple lists iPhone, Apple Watch, Mac, iPad, and Apple Vision Pro as devices for using Apple Pay.
Privacy and tokenization: Apple Pay uses a device-specific number and a unique code for purchases, so the actual card number is not shared with merchants.
Privacy limits: Apple says some card-related, account, device, and location information may be used to determine card eligibility and help prevent fraud.
Lost device: Users can use Find My to suspend Apple Pay with Lost Mode or remotely remove payment cards from the device.
Works offline in stores: Apple Pay in-store purchases on iPhone or Apple Watch can work without Wi-Fi or cellular service, though transaction history may appear after reconnecting.
Availability limits: Apple Pay is not available in all markets and requires a supported card from a participating issuer; acceptance can also depend on the merchant and payment network.
Business acceptance: Businesses that already accept credit and debit cards can contact their payment provider to start accepting Apple Pay, while website and app acceptance uses Apple’s developer resources.
Apple Pay for developers: Apple provides developer resources for adding Apple Pay to apps and websites.
Apple charges: Apple says it does not charge users fees for Apple Pay purchases, while card issuers may apply their usual charges or fees.
Who provides the service: Apple identifies Apple Pay as a technology service provided by Apple Inc. affiliates, and says Apple and its affiliates are not banks.
Price from: Free

Where it ranks on The Finance Base

Best Digital Wallets in 2026#9 of 44

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Sources

apple.com/apple-pay/· checked 2 Oct 2026
apple.com/legal/privacy/data/en/apple-pay/· checked 2 Oct 2026
support.apple.com/en-us/120364· checked 2 Oct 2026
developer.apple.com/apple-pay/· checked 2 Oct 2026