Apple Pay

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and Apple Watch Series 1 and later. In iOS 17 or later, the number of cards able to be added to the service is determined by the capacity of the secure element, which varies by device.

File:Apple Pay Acceptance Mark.svg

Apple Pay uses the EMV Payment Tokenization Specification.{{cite web | title = Payment Tokenisation | url = http://www.emvco.com/specifications.aspx?id=263 | publisher = EMVco | date = 2014-03-01 | df = mdy-all | access-date = October 3, 2016 | archive-date = October 14, 2016 | archive-url = https://web.archive.org/web/20161014221023/http://emvco.com/specifications.aspx?id=263 | url-status = dead}}

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [...] generated for each transaction". The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID,{{cite web | title=Apple Pay security and privacy overview | publisher=Apple | date=July 12, 2019 | url=https://support.apple.com/en-us/HT203027 | access-date=August 21, 2019 | archive-date=August 28, 2019 | archive-url=https://web.archive.org/web/20190828223059/https://support.apple.com/en-us/HT203027 | url-status=live }} or passcode, whereas Apple Watch users authenticate by double-clicking a button on an unlocked device. To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID. Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the fund transfer between counter-parties is not immediate.{{cite web |url= https://www.ecb.europa.eu/paym/retpaym/instant/html/index.en.html |title= Definition of instant payment system |publisher= European Central Bank |date= February 24, 2018 |df= mdy-all |access-date= September 11, 2018 |archive-date= September 9, 2018 |archive-url= https://web.archive.org/web/20180909033729/https://www.ecb.europa.eu/paym/retpaym/instant/html/index.en.html |url-status= live }} The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a card which stores the user's balance on the card itself, such as a Japanese Suica card or a Hong Kong Octopus card. These cards can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £100 (previously £45 until 14 October 2021){{cite news |last= Titcomb |first= James |title= Most Apple Pay UK transactions will be limited to £20, for now |url= https://www.telegraph.co.uk/technology/apple/11696699/Most-Apple-Pay-UK-transactions-will-be-limited-to-20-for-now.html |archive-url=https://ghostarchive.org/archive/20220112/https://www.telegraph.co.uk/technology/apple/11696699/Most-Apple-Pay-UK-transactions-will-be-limited-to-20-for-now.html |archive-date=January 12, 2022 |url-access=subscription |url-status=live |access-date= July 13, 2015 |work=The Telegraph |date= June 24, 2015 |df= mdy-all}}{{cbignore}} as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below).{{cite web|url= https://support.apple.com/en-gb/HT204906|title= About Apple Pay for merchants in the UK|publisher= Apple|access-date= July 12, 2015|df= mdy-all|archive-date= September 9, 2015|archive-url= https://web.archive.org/web/20150909235530/https://support.apple.com/en-gb/HT204906|url-status= live}} Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service. Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit. Financial Times reported that Apple receives 0.15% cut of US purchases made with the service, but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015.{{cite news |last= Arnold |first= Martin |title= UK banks put squeeze on Apple Pay fees |url= http://www.ft.com/cms/s/0/02287f44-2a3d-11e5-8613-e7aedbb7bdb7.html |work= Financial Times |date= July 14, 2015 |access-date= July 15, 2015 |df= mdy-all |archive-date= July 16, 2015 |archive-url= https://web.archive.org/web/20150716182633/http://www.ft.com/cms/s/0/02287f44-2a3d-11e5-8613-e7aedbb7bdb7.html |url-status= live }}{{cite web |title= Regulation (EU) 2015/751 of the European Parliament and of the Council of April 29, 2015 on interchange fees for card-based payment transactions |url= http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2015.123.01.0001.01.ENG |publisher= European Commission |access-date= July 25, 2015 |df= mdy-all |archive-date= July 25, 2015 |archive-url= https://web.archive.org/web/20150725180246/http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2015.123.01.0001.01.ENG |url-status= live }} In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, and in addition the bank pays 45 rubles a year for each card added in the service.{{cite news |url= https://www.vedomosti.ru/finance/articles/2016/10/07/659962-apple-pay-komissiyu |title= Apple Pay берет с банков небольшую комиссию за каждую транзакцию |date= 2016-10-07 |publisher= Ведомости |language= ru |access-date= 2016-12-06 |df= mdy-all |archive-date= December 30, 2016 |archive-url= https://web.archive.org/web/20161230194335/http://www.vedomosti.ru/finance/articles/2016/10/07/659962-apple-pay-komissiyu |url-status= live }}

Apple is ending its in-house "buy now, pay later" service in the US, shifting to third-party lenders for instalment plans. Existing users can still manage payments via the Wallet app. Apple will partner with banks such as Citi, HSBC, and ANZ to offer these options in the upcoming iOS 18.{{cite news| title=Apple scraps its Pay Later loan scheme |date=18 June 2024 |url=https://www.bbc.com/news/articles/c255y82y9x8o |archive-url=https://web.archive.org/web/20240618033558/https://www.bbc.com/news/articles/c255y82y9x8o |archive-date=18 June 2024 |access-date=19 June 2024}}

{{Anchor|CDCVM}}

In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID, or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a 'no verification contactless limit' using contactless cards (such as the £100 limit in the United Kingdom, the C$100 limit in Canada and the 300SAR limit in Saudi Arabia), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.{{Cite news |url= https://support.apple.com/en-us/HT202527 |title= Consumer Device Cardholder Verification Method |publisher= Apple |access-date= 2016-12-01 |df= mdy-all |archive-date= December 1, 2016 |archive-url= https://web.archive.org/web/20161201213127/https://support.apple.com/en-us/HT202527 |url-status= live }}

About two-thirds of merchants accept contactless payments.{{cite news|title=Apple Card Review: Actually Owning It Changed Our Minds|url=https://thewirecutter.com/money/credit-cards/apple-credit-card-review/|last=Tepper|first=Taylor|date=11 May 2020|newspaper=The New York Times|access-date=May 4, 2020|archive-date=December 13, 2019|archive-url=https://web.archive.org/web/20191213011739/https://thewirecutter.com/money/credit-cards/apple-credit-card-review/|url-status=live}} Due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some known examples include:

• Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a "Could Not Complete Payment" error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash, formerly Apple Pay Cash, is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Apple Pay. Prior to April 2022, the Apple Cash Card was provisioned as a Discover contactless debit card. Apple Cash device account numbers currently are issued/reissued on the Visa payment network, ensuring a larger acceptance for the Apple Cash card at more merchants.

Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. {{Cite news |url= https://www.macworld.com/article/3236545/ios/apple-pay-cash-guide-what-it-is-how-it-works-and-what-it-costs.html |title= Apple Pay Cash guide: What it is, how it works, and what it costs |work= Macworld |access-date= 2018-08-05 |df= mdy-all |archive-date= August 5, 2018 |archive-url= https://web.archive.org/web/20180805142951/https://www.macworld.com/article/3236545/ios/apple-pay-cash-guide-what-it-is-how-it-works-and-what-it-costs.html |url-status= live }}{{Cite news |url= https://www.forbes.com/sites/amitchowdhry/2017/12/19/how-to-use-apple-pay-cash/ |title= How To Use Apple Pay Cash |last= Chowdhry |first= Amit |work= Forbes |access-date= 2018-08-05 |df= mdy-all |archive-date= August 5, 2018 |archive-url= https://web.archive.org/web/20180805144025/https://www.forbes.com/sites/amitchowdhry/2017/12/19/how-to-use-apple-pay-cash/ |url-status= live }}

Since 2017, Apple Cash has been operated by Green Dot Corporation under the name "Green Dot Bank" and is available only for U.S. citizens or residents, 18 or older, with a physical residential address in the United States.{{Cite news |url= https://applecash.greendot.com/termsconditions/ |title= Apple Cash Terms and Conditions |access-date= 2024-09-08 }}

Apple Pay does not cause additional fees for users and merchants. In Switzerland, for example, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (US$0.26) quarterly on every card to Apple. Additionally, they paid 0.12% for credit card transactions, and 0.17% for web or app based transactions. Swiss antitrust authorities require that an acquirer pays maximum 0.44% of the transaction amount to the issuer. The competition commission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers' income earned from the acquirer.{{Cite web |url=https://www.finews.ch/news/banken/42500-apple-pay-schweizer-banken-kosten-gebuehren-weko-untersuchung |title=What Does Apple Pay Cost Swiss Banks? |date=August 14, 2020 |access-date=October 24, 2021 |archive-date=October 24, 2021 |archive-url=https://web.archive.org/web/20211024003101/https://www.finews.ch/news/banken/42500-apple-pay-schweizer-banken-kosten-gebuehren-weko-untersuchung |url-status=live }}[https://www.weko.admin.ch/dam/weko/en/dokumente/2015/03/kreditkarten_domestischeinterchangefeeiikkdmifverfuegungvom1deze.pdf.download.pdf/kreditkarten_domestischeinterchangefeeiikkdmifverfuegungvom1deze.pdf Gleiche Kosten für den Händler bei Barzahlung und bei Kreditkartenzahlung] {{Webarchive|url=https://web.archive.org/web/20211024003102/https://www.weko.admin.ch/dam/weko/en/dokumente/2015/03/kreditkarten_domestischeinterchangefeeiikkdmifverfuegungvom1deze.pdf.download.pdf/kreditkarten_domestischeinterchangefeeiikkdmifverfuegungvom1deze.pdf |date=October 24, 2021 }}, Swiss competition commission, p4: explains market participants issuer and acquirer, p39: 0.44% commission. 2014-12-01.[https://arstechnica.com/gadgets/2014/10/how-mobile-payments-really-work/ How Apple Pay and Google Wallet actually work] {{Webarchive|url=https://web.archive.org/web/20211024003104/https://arstechnica.com/gadgets/2014/10/how-mobile-payments-really-work/ |date=October 24, 2021 }}, arsTECHNICA, 2014-10-29.{{cite web |url=https://www.bloomberg.com/news/articles/2014-09-10/apple-said-to-reap-fees-from-banks-in-new-payment-system |title=Apple Said to Reap Fees From Banks in New Payment System |first=Elizabeth |last=Dexheimer |date=September 10, 2014 |publisher=Bloomberg |access-date=2022-04-05 |archive-date=October 24, 2021 |archive-url=https://web.archive.org/web/20211024003103/https://www.bloomberg.com/news/articles/2014-09-10/apple-said-to-reap-fees-from-banks-in-new-payment-system |url-status=live }}[https://9to5mac.com/2021/10/05/apple-pay-fees-banks-visa-report/ WSJ: Visa plans to cut Apple Pay fees, some banking execs ‘angered’ by Apple Card launch] {{Webarchive|url=https://web.archive.org/web/20211024003104/https://9to5mac.com/2021/10/05/apple-pay-fees-banks-visa-report/ |date=October 24, 2021 }}, 9 to 5 mac, 2021-10-05, [https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317 Apple Pay Fees Vex Credit-Card Issuers] {{Webarchive|url=https://web.archive.org/web/20211024003103/https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317 |date=October 24, 2021 }}, WSJ, 2021-10-05.

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments. Apple partnered with American Express, Mastercard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information. A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration. Mastercard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments". The announcement of the service came at a time when Mastercard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems. Apple then approached several big banks in mid-2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement.

The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface", "exposed numbers", and insecure "security codes". The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.{{cite web|title= How To Set Up Apple Pay On Your iPhone, iPad and Apple Watch|work= TaletLeopard|url= http://talentleopard.com/how-to-set-up-apple-pay-on-iphone-or-ipad/|df= mdy-all|access-date= July 17, 2015|archive-date= July 17, 2015|archive-url= https://web.archive.org/web/20150717170639/http://talentleopard.com/how-to-set-up-apple-pay-on-iphone-or-ipad/|url-status= live}} The company announced an API for app developers to build Apple Pay checkout into their apps.

The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015.{{cite web|url=https://www.bbc.co.uk/news/business-33063748|title=Most Apple Pay payments will have £20 limit, banks say|publisher=BBC News Online|date=June 9, 2015|access-date=July 26, 2015|df=mdy-all|archive-date=July 30, 2015|archive-url=https://web.archive.org/web/20150730101005/http://www.bbc.co.uk/news/business-33063748|url-status=live}} On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,{{cite news |url=http://fortune.com/2015/12/17/apple-pay-china-2016/ |title=Apple Pay Is Finally Coming To China |newspaper=Fortune |first=Leena |last=Rao |date=December 17, 2015 |df=mdy-all |access-date=December 18, 2015 |archive-date=December 18, 2015 |archive-url=https://web.archive.org/web/20151218162903/http://fortune.com/2015/12/17/apple-pay-china-2016/ |url-status=live }} and Chinese users could start to use Apple Pay on February 18, 2016.{{cite news |url=https://www.bbc.com/news/technology-35601110 |title=Apple Pay to be available in China from this week |publisher=BBC News Online |date=February 18, 2016 |df=mdy-all |access-date=June 21, 2018 |archive-date=December 1, 2018 |archive-url=https://web.archive.org/web/20181201235858/https://www.bbc.com/news/technology-35601110 |url-status=live }}

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.{{cite web|url=http://www.macrumors.com/2016/06/01/kfc-now-accepts-apple-pay-united-states/|title=KFC Now Accepts Apple Pay in the United States|publisher=MacRumors|last=Rossignol|first=Joe|access-date=2016-06-01|df=mdy-all|archive-date=June 2, 2016|archive-url=https://web.archive.org/web/20160602130306/http://www.macrumors.com/2016/06/01/kfc-now-accepts-apple-pay-united-states/|url-status=live}}

Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported.{{cite web|url= https://www.reddit.com/r/apple/comments/4oogms/you_can_now_get_cash_at_bank_of_america_atms_with/|title= You can now get cash at Bank of America ATMs with Apple Pay|work= /r/apple|date= June 18, 2016|publisher= reddit|access-date= 2016-06-20|df= mdy-all|archive-date= July 6, 2016|archive-url= https://web.archive.org/web/20160706163951/https://www.reddit.com/r/apple/comments/4oogms/you_can_now_get_cash_at_bank_of_america_atms_with/|url-status= live}}{{cite web |url= http://promo.bankofamerica.com/cardlessatm/?cm_mmc=DEP-General-_-vanity-_-DG01VN001L_cardlessatm-_-NA |title= Cardless ATM |publisher= Bank of America |access-date= 2016-06-20 |df= mdy-all |archive-date= June 23, 2016 |archive-url= https://web.archive.org/web/20160623064223/http://promo.bankofamerica.com/cardlessatm/?cm_mmc=DEP-General-_-vanity-_-DG01VN001L_cardlessatm-_-NA |url-status= live }} Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.{{cite web |url= http://9to5mac.com/2016/01/28/bank-of-america-wells-fargo-said-to-be-working-on-apple-pay-support-for-atm-withdrawals/ |title= Bank of America & Wells Fargo said to be working on Apple Pay support for ATM withdrawals |last= Miller |first= Chance |date= 2016-01-28 |website= 9to5Mac |access-date= 2016-06-20 |df= mdy-all |archive-date= May 31, 2016 |archive-url= https://web.archive.org/web/20160531080703/http://9to5mac.com/2016/01/28/bank-of-america-wells-fargo-said-to-be-working-on-apple-pay-support-for-atm-withdrawals/ |url-status= live }}

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan.{{cite web |url=https://www.apple.com/jp/apple-pay/ |title=Apple Pay |access-date=2016-09-07 |df=mdy-all |archive-date=August 25, 2017 |archive-url=https://web.archive.org/web/20170825020553/https://www.apple.com/jp/apple-pay/ |url-status=live }}{{cite web|url=https://www.apple.com/jp/apple-pay/getting-started/|title=Apple Pay Getting Started|access-date=2016-09-07|df=mdy-all|archive-date=September 13, 2017|archive-url=https://web.archive.org/web/20170913230826/https://www.apple.com/jp/apple-pay/getting-started/|url-status=live}}{{cite press release|url= https://www.apple.com/newsroom/2016/09/apple-pay-coming-to-japan-with-iphone-7.html|title= Apple Pay Coming to Japan|publisher= Apple|access-date= 2016-09-13|df= mdy-all|archive-date= August 25, 2017|archive-url= https://web.archive.org/web/20170825020547/https://www.apple.com/newsroom/2016/09/apple-pay-coming-to-japan-with-iphone-7.html|url-status= live}}

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.{{cite press release |last1=Wong |first1=Hanna |title=Introducing Apple Card, a new kind of credit card created by Apple |url=https://www.apple.com/newsroom/2019/03/introducing-apple-card-a-new-kind-of-credit-card-created-by-apple/ |publisher=Apple |access-date=May 24, 2019 |archive-date=March 26, 2019 |archive-url=https://web.archive.org/web/20190326051117/https://www.apple.com/newsroom/2019/03/introducing-apple-card-a-new-kind-of-credit-card-created-by-apple/ |url-status=live }}

In June 2024, it was announced that online Apple Pay purchases would be able to be initiated from third party devices. Users will be provided with a code they must scan with an iPhone running iOS 18 or later to complete the transaction.{{Cite web |title=New features come to Apple services this fall |url=https://www.apple.com/newsroom/2024/06/new-features-come-to-apple-services-this-fall/ |access-date=2024-06-11 |website=Apple Newsroom |language=en-US}}

In 2022, Apple faced a class action lawsuit from Affinity Credit Union that claimed Apple engaged in anti-competitive conduct to privilege Apple Pay by limiting users' ability to use alternate payment options.{{Cite web |last=Kutz |first=Anna |date=2022-07-20 |title=Apple sued by Iowa credit union, accused of anti-trust violations |url=https://www.weareiowa.com/article/money/affinity-credit-union-sues-apple-apple-pay-lawsuit/524-ce5c5a12-9b95-474a-9181-81042bc69cee |access-date=2024-11-23 |website=We Are Iowa |language=en-US}} A federal judge allowed the lawsuit to go forward in an October 2023 decision.{{Cite web |last=Strozniak |first=Peter |date=2023-08-04 |title=Judge Allows CU Class Action Suit Against Apple to Move Forward |url=https://www.cutimes.com/2023/10/04/judge-allows-cu-class-action-suit-against-apple-to-move-forward/?slreturn=2024112311455 |access-date=2024-11-23 |website=Credit Union Times |language=en}}

In 2023, the Consumer Financial Protection Bureau (CFPB) began rulemaking on a proposal that would make Apple Pay and other digital payments services subject to bank-like oversight.{{Cite web |last=Gillison |first=Douglas |last2=Lang |first2=Hannah |date=2023-11-07 |title=US consumer watchdog proposes rules for Big Tech payments, digital wallets |url=https://www.reuters.com/technology/us-consumer-watchdog-proposes-rules-big-tech-payments-digital-wallets-2023-11-07/ |access-date=2024-11-21 |website=Reuters}} The rule was finalized in November 2024, and applies to six other non-bank services, including those provided by Google and Amazon.{{Cite web |last=Son |first=Hugh |date=2024-11-21 |title=CFPB expands oversight of digital payments services including Apple Pay, Cash App, PayPal and Zelle |url=https://www.cnbc.com/2024/11/21/cfpb-expands-oversight-of-apple-pay-other-digital-payments-services.html |access-date=2024-11-22 |website=CNBC |language=en}} In 2024, the Department of Justice (DOJ) launched a broad antitrust suit against Apple; among other claims, the suit alleges that Apple has used anti-competitive practices to boost Apple Pay at the expense of rival payment platforms.{{Cite web |last=Lunden |first=Ingrid |date=2024-03-21 |title=DOJ says Apple's 'complete control' over tap-to-pay transactions stops innovation, cements its monopoly |url=https://techcrunch.com/2024/03/21/apple-pay-doj-iphone-monopoly/ |access-date=2024-11-22 |website=TechCrunch |language=en-US}}

In June 2020, it was announced that the European Commission (EC) will take two probes against Apple, one focused on Apple Pay. According to EC, Apple was abusing its control of its payment wallet by blocking third-party payment access to the NFC hardware that enabled contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a cause of the increased number of people using contactless paying.{{cite web |last=Toplin |first=Jaime |date=June 17, 2020 |title=Apply Pay faces European antitrust probe |url=https://www.businessinsider.com/apple-pay-faces-european-antitrust-probe-2020-6 |url-status=live |archive-url=https://web.archive.org/web/20200617141244/https://www.businessinsider.com/apple-pay-faces-european-antitrust-probe-2020-6 |archive-date=June 17, 2020 |access-date=June 17, 2020 |publisher=Business Insider}}

File:Apple Pay Availability.svg

Apple Pay can be used with any EMV contactless terminal globally as long as the customer is using a supported card. At least one issuer in each of the following 91 countries and territories issues such cards.{{cite web|date=March 30, 2021|title=Countries and regions that support Apple Pay|url=https://support.apple.com/en-us/HT207957|url-status=live|access-date=March 30, 2021|website=Apple|archive-url=https://web.archive.org/web/20171023190645/https://support.apple.com/en-us/HT207957 |archive-date=October 23, 2017 }}

• Visa (worldwide. Japanese Visa cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.){{Cite news|url=https://www.theverge.com/2014/9/9/6084211/apple-pay-iphone-6-nfc-mobile-payment|title=Apple Pay allows you to pay at the counter with your iPhone 6|work=The Verge|access-date=2018-04-14|df=mdy-all|archive-date=September 14, 2014|archive-url=https://web.archive.org/web/20140914184706/http://www.theverge.com/2014/9/9/6084211/apple-pay-iphone-6-nfc-mobile-payment|url-status=live}}
• Visa Electron (worldwide)
• V Pay (only in Europe){{Cite news|url=https://support.apple.com/en-hk/HT205630|title=Get help adding cards to Apple Pay|publisher=Apple|access-date=2018-04-14|df=mdy-all|archive-date=April 14, 2018|archive-url=https://web.archive.org/web/20180414235533/https://support.apple.com/en-hk/HT205630|url-status=live}}
• Mastercard (worldwide. Japanese Mastercard cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.){{Cite news|url=http://fortune.com/2015/09/04/mastercards-mobile-payments-chief/|title=MasterCard's mobile payments guru talks Apple Pay, Android Pay and more|work=Fortune|access-date=2018-04-14|df=mdy-all|archive-date=April 15, 2018|archive-url=https://web.archive.org/web/20180415063358/http://fortune.com/2015/09/04/mastercards-mobile-payments-chief/|url-status=live}}
• Maestro (worldwide)
• American Express (worldwide. Japanese American Express cards in Apple Pay also function as FeliCa-based QUICPay cards in addition to EMV contactless cards.){{cite web |url= https://www.retaildive.com/ex/mobilecommercedaily/american-express-swipes-in-apple-pay-for-corporate-card-holders |title= American Express swipes in Apple Pay for corporate card holders |website= www.retaildive.com |access-date= 2018-04-14 |df= mdy-all |archive-date= April 14, 2018 |archive-url= https://web.archive.org/web/20180414234346/https://www.retaildive.com/ex/mobilecommercedaily/american-express-swipes-in-apple-pay-for-corporate-card-holders |url-status= live }}
• Discover Card (only in the United States){{Cite news |url= https://www.engadget.com/2017/10/11/discover-card-apple-pay-cashback-rewards |title= Discover card users can redeem their points on Apple Pay |work= Engadget |access-date= 2018-04-14 |df= mdy-all |archive-date= March 1, 2018 |archive-url= https://web.archive.org/web/20180301094300/https://www.engadget.com/2017/10/11/discover-card-apple-pay-cashback-rewards/ |url-status= live }}
• U.S. Debit (only in the U.S. CDCVM may not be supported, requiring the customer to enter their PIN on the terminal.)
• Diners Club International (only in Japan. Only function as FeliCa-based QUICPay cards and do not support the global EMV contactless standard.)
• JCB (worldwide. Japanese JCB cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)
• Cartes Bancaires (CB) (only in France){{cite web|url=http://www.cartes-bancaires.com/sites/default/files/actualites/fichiers/apple_pay_now_available_to_cb_customers_in_france_.pdf|title=Apple Pay now available to CB customers in France|website=Groupement des Cartes Bancaires CB GIE|publisher=CB|language=fr-FR|access-date=March 4, 2018|df=mdy-all|archive-url=https://web.archive.org/web/20180304172612/http://www.cartes-bancaires.com/sites/default/files/actualites/fichiers/apple_pay_now_available_to_cb_customers_in_france_.pdf|archive-date=March 4, 2018|url-status=dead}}
• Interac (only in Canada){{Cite news|url=https://www.theglobeandmail.com/technology/tech-news/five-things-to-know-about-using-apple-pay-in-canada-update/article29953516/|title=Five things to know about using Apple Pay in Canada|work=The Globe and Mail|publisher=The Woodbridge Company|access-date=2018-04-14|df=mdy-all|archive-date=June 28, 2017|archive-url=https://web.archive.org/web/20170628184603/https://www.theglobeandmail.com/technology/tech-news/five-things-to-know-about-using-apple-pay-in-canada-update/article29953516/|url-status=live}}
• EFTPOS (only in Australia){{Cite news|url=https://9to5mac.com/2017/10/17/eftpos-apple-pay-anz-australia/|title=Apple Pay now works with Eftpos cards from ANZ in Australia|date=2017-10-17|work=9to5Mac|access-date=2018-04-14|df=mdy-all|archive-date=April 14, 2018|archive-url=https://web.archive.org/web/20180414234257/https://9to5mac.com/2017/10/17/eftpos-apple-pay-anz-australia/|url-status=live}}
• China UnionPay (only in China, Hong Kong and Macau){{Cite news|url=http://www.thestandard.com.hk/section-news.php?id=183218|title=UnionPay taps into Apple Pay|work=The Standard|access-date=2018-04-14|df=mdy-all|archive-date=April 14, 2018|archive-url=https://web.archive.org/web/20180414235123/http://www.thestandard.com.hk/section-news.php?id=183218|url-status=live}}
• China T-Union (select cities in China)
• Dankort (only in Denmark){{Cite web |title=dankort |url=https://docs.developer.apple.com/documentation/passkit/pkpaymentnetwork/3916050-dankort |access-date=2023-11-16 |website=Apple Developer Documentation |language=en-US}}{{Cite web |last=Phillips |first=Tom |date=2022-10-18 |title=Danske Bank lets Danish consumers add domestic payment cards to Apple Pay |url=https://www.nfcw.com/2022/10/18/379759/danske-bank-lets-danish-consumers-add-domestic-payment-cards-to-apple-pay/ |access-date=2023-11-16 |website=NFCW |language=en-US}}
• Suica, PASMO, ICOCA, iD, QUICPay, WAON, and nanaco (only in Japan. FeliCa-supported iPhone and Apple Watch models only.){{cite web|title=Apple Pay|url=https://www.apple.com/jp/apple-pay/|publisher=Apple (Japan)|access-date=March 20, 2018|language=ja-JP|df=mdy-all|archive-date=March 18, 2018|archive-url=https://web.archive.org/web/20180318221248/https://www.apple.com/jp/apple-pay/|url-status=live}}{{cite web|title=Apple PayのWAONをはじめる {{!}} 電子マネー WAON [ワオン] 公式サイト|url=https://www.waon.net/service/waonaservice/start/|access-date=2021-10-20|website=www.waon.net|archive-date=October 20, 2021|archive-url=https://web.archive.org/web/20211020210758/https://www.waon.net/service/waonaservice/start/|url-status=live}}{{cite web|title=Apple Payのnanaco 【公式サイト】|url=https://www.nanaco-net.jp/app/index.html|access-date=2021-10-20|website=www.nanaco-net.jp|language=ja|archive-date=October 20, 2021|archive-url=https://web.archive.org/web/20211020210752/https://www.nanaco-net.jp/app/index.html|url-status=live}}
• SPTC transit card (only in Shanghai){{Cite news|url=http://www.timeoutshanghai.com/features/Blog-News/53436/Apple-Pay-can-now-be-used-for-the-Shanghai-metro.html|title=Apple Pay can now be used for the Shanghai metro|author=SEEC Media Group|work=Time Out Shanghai|access-date=2018-04-14|df=mdy-all|archive-date=April 15, 2018|archive-url=https://web.archive.org/web/20180415064456/http://www.timeoutshanghai.com/features/Blog-News/53436/Apple-Pay-can-now-be-used-for-the-Shanghai-metro.html|url-status=live}}
• Yikatong (only in Beijing){{Cite news|url=https://technode.com/2018/03/30/new-ios-update-allows-commuters-in-shanghai-and-beijing-to-use-apple-pay-for-metro-and-bus-rides/|title=New iOS update allows commuters in Shanghai and Beijing to use Apple Pay for metro and bus rides · TechNode|date=2018-03-30|work=TechNode|access-date=2018-04-14|df=mdy-all|archive-date=April 15, 2018|archive-url=https://web.archive.org/web/20180415003410/https://technode.com/2018/03/30/new-ios-update-allows-commuters-in-shanghai-and-beijing-to-use-apple-pay-for-metro-and-bus-rides/|url-status=live}}
• mada (only in Saudi Arabia){{cite web | url=https://www.mada.com.sa/en/services#apple-pay | title=Debit cards | Prepaid Cards | Cashback Option | Mada | access-date=April 23, 2019 | archive-date=May 8, 2019 | archive-url=https://web.archive.org/web/20190508230503/https://www.mada.com.sa/en/services#apple-pay | url-status=live }}
• Clipper (only in San Francisco Bay Area, California, United States){{cite web|last=Commission|first=Metropolitan Transportation|title=The Bay Area's all-in-one transit card|url=https://www.clippercard.com/ClipperWeb/index.html|access-date=2021-04-15|website=www.clippercard.com|language=en|archive-date=April 15, 2021|archive-url=https://web.archive.org/web/20210415171516/https://www.clippercard.com/ClipperWeb/index.html|url-status=live}}
• Hop Fastpass (only in Portland, Oregon, United States){{cite press release |last=Altstadt |first=Roberta |date=2019-01-21 |title=Portland-Vancouver's Hop Fastpass® becomes first transit fare card in North America on iPhone |url=http://news.trimet.org/2019/05/portland-vancouvers-hop-fastpass-becomes-first-transit-fare-card-in-north-america-on-iphone/ |publisher=TriMet |access-date=2019-05-24 |archive-date=May 24, 2019 |archive-url=https://web.archive.org/web/20190524192353/http://news.trimet.org/2019/05/portland-vancouvers-hop-fastpass-becomes-first-transit-fare-card-in-north-america-on-iphone/ |url-status=live }}
• SmarTrip (only in Washington, D.C., United States){{cite web|title=SmarTrip on iPhone & Apple Watch {{!}} WMATA|url=https://www.wmata.com/fares/MobilePay/index.cfm|access-date=2020-09-02|website=wmata.com|archive-date=April 16, 2022|archive-url=https://web.archive.org/web/20220416031930/https://www.wmata.com/fares/MobilePay/index.cfm|url-status=live}}
• TAP (only in Los Angeles, California, United States){{cite web|title=Where you can ride transit with Apple Pay|url=https://support.apple.com/en-us/HT207958|access-date=2020-09-03|website=Apple Support|language=en|archive-date=June 3, 2020|archive-url=https://web.archive.org/web/20200603014640/https://support.apple.com/en-us/HT207958|url-status=live}}
• Navigo (only in Île-de-France, France){{Cite web |title=Le passe Navigo est enfin disponible sur iPhone, après de longues années d'attente |url=https://www.bfmtv.com/tech/apple/le-passe-navigo-est-enfin-disponible-sur-i-phone-apres-de-longues-annees-d-attente_AN-202405210441.html |access-date=2024-05-21 |website=BFMTV |language=fr}}
• Ventra (only in Chicago, Illinois, United States){{cite web|title=Apple Pay Landing Page|url=https://www.ventrachicago.com/applepay/|access-date=2020-10-26|website=Ventra|language=en|archive-date=July 21, 2020|archive-url=https://web.archive.org/web/20200721140524/https://www.ventrachicago.com/applepay/|url-status=live}}
• Elo (only in Brazil){{Cite news|url=https://www.elo.com.br/applepay|title=Elo com Apple Pay, o próximo passo|website=Elo|language=pt|trans-title=Elo and Apple Pay, the next step|access-date=July 4, 2019|archive-date=May 28, 2019|archive-url=https://web.archive.org/web/20190528223032/https://www.elo.com.br/applepay|url-status=live}}
• Octopus (only in Hong Kong. FeliCa-supported iPhone and Apple Watch models only.){{cite web|last=Lovejoy|first=Ben|date=2020-06-02|title=Apple Pay Octopus goes live in Hong Kong; here's one tip ...|url=https://9to5mac.com/2020/06/02/apple-pay-octopus-2/|access-date=2020-06-02|website=9to5Mac|language=en-US|archive-date=October 28, 2020|archive-url=https://web.archive.org/web/20201028192645/https://9to5mac.com/2020/06/02/apple-pay-octopus-2/|url-status=live}}
• girocard (only in Germany){{Cite tweet |title=Hallo Apple Pay! Die beliebteste Karte in Deutschland – die #girocard – ist nun auch mit Apple Pay nutzbar: Seit heute können Kunden der @Sparkasse ihre girocard hierzu im iPhone oder der Apple Watch hinterlegen. Mehr dazu: http://girocard.eu/presse-mediath |user=girocard |number=1298172023424901120 |date=25 August 2020 |access-date=2020-08-25|website=Twitter|language=en}}
• Mir (only in Russia,{{cite web|date=2021-07-20|title=Russia's Mir card payment system connects to Apple Pay|url=https://www.reuters.com/technology/russias-mir-card-payment-system-connects-apple-pay-2021-07-20/|url-status=live|access-date=2021-07-22|website=Reuters|publisher=Reuters|language=en|archive-url=https://web.archive.org/web/20210720160334/https://www.reuters.com/technology/russias-mir-card-payment-system-connects-apple-pay-2021-07-20/ |archive-date=July 20, 2021 }} suspended as of March 26, 2022)
• Bancontact (only in Belgium){{Cite web |title=Pay contactless with Bancontact on Apple Pay {{!}} Bancontact |url=https://www.bancontact.com/en/private/apple-pay |access-date=2022-09-21 |website=www.bancontact.com |language=en |archive-date=September 21, 2022 |archive-url=https://web.archive.org/web/20220921134022/https://www.bancontact.com/en/private/apple-pay |url-status=live }}
• Meeza(only in Egypt){{Cite web |title=meeza |url=https://developer.apple.com/documentation/passkit/pkpaymentnetwork/meeza |access-date=2024-12-11 |website=Apple Developer Documentation |language=en-US}}
• BankAxept (only in Norway){{Cite web |title=Tietoevry Banking enables BankAxept for Apple Pay in Norway |url=https://thepaypers.com/payments-general/tietoevry-banking-enables-bankaxept-for-apple-pay-in-norway--1268857 |access-date=2025-03-12 |website=thepaypers.com |language=en}}

• NAPAS (only in Vietnam){{Cite web |title=NAPAS |url=https://docs.developer.apple.com/documentation/passkit_apple_pay_and_wallet/pkpaymentnetwork/4338153-napas |access-date=2024-07-07 |website=Apple Developer Documentation |language=en-US}}
• T-money (only in South Korea){{Cite web |title=T-money |url=https://developer.apple.com/documentation/passkit_apple_pay_and_wallet/pkpaymentnetwork/4144327-tmoney |access-date=2024-07-12 |website=Apple Developer Documentation |language=en-US}}

Journalists in the United States noted that the multiple previously unsuccessful efforts of other retailers to build mobile payments services, including those of PayPal, Walmart, Target, Google Wallet, and Softcard. They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did. The Verge{{'s}} Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea". The Verge{{'s}} Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement". He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry. Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment". Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks.

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted. The Verge{{'s}} Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience". Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations. The New York Times{{'}} Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.

In a 2018 publication released by Consumer Reports, Apple Pay Cash was the leading peer-to-peer payment service.{{cite web |last=Fingas |first=Jon |date=August 6, 2018 |title=Apple Pay Cash leads Consumer Reports' first payment service test |url=https://www.engadget.com/2018-08-06-consumer-reports-p2p-payment-service-test.html/ |publisher=Engadget |access-date=2018-08-07 |df=mdy-all |archive-date=August 7, 2018 |archive-url=https://web.archive.org/web/20180807133018/https://www.engadget.com/amp/2018/08/06/consumer-reports-p2p-payment-service-test/ |url-status=live }}

File:Apple-payment-square.jpg contactless + chip reader]]

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability,{{cite magazine |url= https://time.com/3543263/apple-pay-1-million/ |title= Apple Pay Registers 1 Million Credit Cards in 3 Days |magazine= Time |first= Justin |last= Worland |date= October 28, 2014 |access-date= October 29, 2014 |df= mdy-all |archive-date= October 28, 2014 |archive-url= https://web.archive.org/web/20141028211444/http://time.com/3543263/apple-pay-1-million/ |url-status= live }} making it the largest mobile payment system in the United States at the time.{{cite web |title= Number Of Users On Apple Pay |url= http://www.businessinsider.com/number-of-apple-pay-users-2014-10 |website= Business Insider |access-date= October 29, 2014 |df= mdy-all |archive-date= October 30, 2014 |archive-url= https://web.archive.org/web/20141030050221/http://www.businessinsider.com/number-of-apple-pay-users-2014-10 |url-status= live }} There were 220,000 participating vendors when it launched.{{cite web |url= http://www.digitaltrends.com/mobile/apple-pay-works-abroad-with-u-s-credit-card/ |title= Apple Pay Works Abroad! ... If You Have a U.S. Credit Card |date= October 22, 2014 |website= Digital Trends |last= Gokey |first= Malarie |access-date= July 26, 2015 |df= mdy-all |archive-date= August 18, 2015 |archive-url= https://web.archive.org/web/20150818123452/http://www.digitaltrends.com/mobile/apple-pay-works-abroad-with-u-s-credit-card/ |url-status= live }}{{cite web |url= https://www.forbes.com/sites/markrogowsky/2014/10/20/apple-pay-is-here-and-its-going-to-be-great-why-the-skeptics-have-it-wrong |title= Apple Pay Is Here And It's Going To Be Great: Why The Skeptics Have It Wrong |first= Mark |last= Rogowksi |date= October 20, 2014 |website= Forbes |access-date= October 21, 2014 |quote= First, a clarification. There is no 'accepting Apple Pay.' You may have read an article or five suggesting that retailers don't plan to support Apple Pay, implying there is some special thing they have to do to work with Apple. What a retailer needs is nothing more than a NFC-equipped point-of-sale terminal. |df= mdy-all |archive-date= October 21, 2014 |archive-url= https://web.archive.org/web/20141021130338/http://www.forbes.com/sites/markrogowsky/2014/10/20/apple-pay-is-here-and-its-going-to-be-great-why-the-skeptics-have-it-wrong/ |url-status= live }}

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was starting a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy, Walmart, and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC,{{cite news |url= https://dealbook.nytimes.com/2014/09/11/banks-did-it-apples-way-in-payments-by-mobile |title= Banks Did It Apple's Way in Payments by Mobile |work= The New York Times |first= Nathaniel |last= Popper |date= September 11, 2014 |archive-url= https://archive.today/20140915052657/http://dealbook.nytimes.com/2014/09/11/banks-did-it-apples-way-in-payments-by-mobile/?_php=true&_type=blogs&_php=true&_type=blogs&_php=true&_type=blogs&_r=2 |archive-date= September 15, 2014 |url-status = live|df= mdy-all |access-date= March 5, 2017}}{{cite web |url= https://techcrunch.com/2014/10/25/currentc |title= CurrentC Is The Big Retailers' Clunky Attempt To Kill Apple Pay And Credit Card Fees |work= TechCrunch |publisher= AOL Inc. |first= Josh |last= Constine |date= October 25, 2014 |access-date= October 26, 2014 |df= mdy-all |archive-date= October 25, 2014 |archive-url= https://web.archive.org/web/20141025235327/http://techcrunch.com/2014/10/25/currentc/ |url-status= live }}{{cite web |url= https://arstechnica.com/apple/2014/10/apple-pay-goes-offline-at-cvs-rite-aid |title= Apple Pay goes offline at CVS, Rite Aid |work= Ars Technica |date= October 30, 2014 |access-date= October 30, 2014 |df= mdy-all |archive-date= October 30, 2014 |archive-url= https://web.archive.org/web/20141030044124/http://arstechnica.com/apple/2014/10/apple-pay-goes-offline-at-cvs-rite-aid/ |url-status= live }} although due to the exclusivity period ending in August 2015, Rite Aid started to accept it August 15, 2015.{{cite web |url= http://www.macrumors.com/2015/08/11/rite-aid-apple-pay-august-15/ |title= Rite Aid Reverses Course, Will Accept Apple Pay Starting August 15 |publisher= MacRumors |date= August 11, 2015 |df= mdy-all |access-date= August 13, 2015 |archive-date= August 13, 2015 |archive-url= https://web.archive.org/web/20150813012954/http://www.macrumors.com/2015/08/11/rite-aid-apple-pay-august-15/ |url-status= live }}{{cite web |url= https://www.usatoday.com/story/tech/2015/08/11/rite-aid-apple-pay/31455651/ |title= Rite Aid to accept Apple Pay after initial refusal |work= USA Today |date= August 11, 2015 |df= mdy-all |access-date= August 24, 2017 |archive-date= March 5, 2017 |archive-url= https://web.archive.org/web/20170305071903/http://www.usatoday.com/story/tech/2015/08/11/rite-aid-apple-pay/31455651/ |url-status= live }} Both CVS and Best Buy started to accept Apple Pay at all stores starting in October 2015.{{cite web |url=http://www.macrumors.com/2015/09/17/best-buy-apple-pay-rolling-out/ |title=Best Buy Rolling Out In-Store Apple Pay Support in U.S. |publisher=MacRumors |date=September 17, 2015 |df=mdy-all |access-date=December 31, 2015 |archive-date=January 2, 2016 |archive-url=https://web.archive.org/web/20160102102358/http://www.macrumors.com/2015/09/17/best-buy-apple-pay-rolling-out/ |url-status=live }}{{Cite web |last=Chambers |first=Bradley |date=2018-10-11 |title=Apple Pay is now accepted at CVS Pharmacy, Discover adds support for its debit card |url=https://9to5mac.com/2018/10/11/apple-pay-is-now-accepted-at-cvs-pharmacy/ |access-date=2024-03-24 |website=9to5Mac |language=en-US}} MCX and CurrentC ended in March 2017.[https://www.bostonglobe.com/business/2017/06/23/digital-wallet-firm-travails-offer-lesson-put-customers-before-merchants/i7OfPEYgMJv9lkf8qEb0JP/story.html Digital wallet firm’s travails offer a lesson: Put customers before merchants]

Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX.{{cite news|url=http://recode.net/2015/05/27/target-ceo-loves-apple-pay-but-wants-chip-and-pin-cards-first/|website=re/code|archive-url=https://web.archive.org/web/20160104151100/http://recode.net/2015/05/27/target-ceo-loves-apple-pay-but-wants-chip-and-pin-cards-first/ |archive-date=January 4, 2016 |title=Target CEO Loves Apple Pay, but Wants Chip-and-PIN Cards First (Video)|author=Arik Hesseldahl|date=May 27, 2015}} On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its stores in the United States.{{cite web |url=https://www.theverge.com/2019/1/22/18192802/apple-pay-target-iphone-watch |date=January 22, 2019 |author=Makena Kelly |publisher=The Verge |title=Target is adding Apple Pay and Google Pay to all US stores |access-date=April 24, 2019 |archive-date=April 24, 2019 |archive-url=https://web.archive.org/web/20190424114043/https://www.theverge.com/2019/1/22/18192802/apple-pay-target-iphone-watch |url-status=live }}

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant.{{cite news |last=Mortimer |first=Natalie |title=TfL proves most popular retailer on Apple Pay UK following launch |url=http://www.thedrum.com/news/2015/07/20/tfl-proves-most-popular-retailer-apple-pay-uk-following-launch |publisher=The Drum |date=July 20, 2015 |access-date=July 22, 2015 |df=mdy-all |archive-date=July 22, 2015 |archive-url=https://web.archive.org/web/20150722202022/http://www.thedrum.com/news/2015/07/20/tfl-proves-most-popular-retailer-apple-pay-uk-following-launch |url-status=live }}{{cite news |last= Titcomb |first= James |title= How London's transport crunch forged a contactless revolution |url= https://www.telegraph.co.uk/technology/11747819/How-Londons-transport-crunch-forged-a-contactless-revolution.html |archive-url=https://ghostarchive.org/archive/20220112/https://www.telegraph.co.uk/technology/11747819/How-Londons-transport-crunch-forged-a-contactless-revolution.html |archive-date=January 12, 2022 |url-access=subscription |url-status=live |work=The Telegraph |date= July 20, 2015 |access-date= July 22, 2015 |df= mdy-all}}{{cbignore}}{{cite news |last= Gibbs |first= Samuel |title= TfL cautions users over pitfalls of Apple Pay |url= https://www.theguardian.com/technology/2015/jul/16/tfl-cautions-pitfalls-apple-pay |work= The Guardian |date= July 16, 2015 |access-date= July 22, 2015 |df= mdy-all |archive-date= July 22, 2015 |archive-url= https://web.archive.org/web/20150722184555/http://www.theguardian.com/technology/2015/jul/16/tfl-cautions-pitfalls-apple-pay |url-status= live }}{{cite web|url=https://www.apple.com/uk/apple-pay/transport/|title=Apple Pay|website=Apple|url-status=dead|archive-url=https://web.archive.org/web/20200202190240/https://www.apple.com/uk/apple-pay/transport/|archive-date=February 2, 2020|access-date=2 February 2020}}

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.{{cite web|title= Apple Pay Awareness, Adoption Plateau According to First Annapolis Survey|url= http://www.firstannapolis.com/news/apple-pay-awareness-adoption-plateau-according-to-first-annapolis-survey|website= First Annapolis|access-date= February 26, 2016|df= mdy-all|archive-date= March 1, 2016|archive-url= https://web.archive.org/web/20160301171658/http://www.firstannapolis.com/news/apple-pay-awareness-adoption-plateau-according-to-first-annapolis-survey|url-status= live}} Apple maintains an up-to-date list of banks that accept Apple Pay on its website.{{cite web|url=https://support.apple.com/en-us/HT204916|title=Apple Pay participating banks in Canada and the United States|publisher=Apple|df=mdy-all|access-date=April 28, 2016|archive-date=March 31, 2017|archive-url=https://web.archive.org/web/20170331060130/https://support.apple.com/en-us/HT204916|url-status=live}}

On June 2, 2016, according to Fortune, Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015.{{cite web|url=http://fortune.com/2016/06/02/grubhub-apple-pay/|title=Grubhub Adds Apple Pay To Food Delivery Apps|date=2016-06-02|website=Fortune|access-date=2016-06-03|df=mdy-all|archive-date=June 3, 2016|archive-url=https://web.archive.org/web/20160603130434/http://fortune.com/2016/06/02/grubhub-apple-pay/|url-status=live}}

With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide.{{cite web|url=https://techcrunch.com/2016/02/17/apple-pay-goes-live-in-china/|title=Apple Pay Goes Live In China|last=Russell|first=Jon|website=TechCrunch|date=February 18, 2016|access-date=2016-07-08|df=mdy-all|archive-date=July 6, 2017|archive-url=https://web.archive.org/web/20170706091836/https://techcrunch.com/2016/02/17/apple-pay-goes-live-in-china/|url-status=live}}

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments.{{cite web |url= http://www.macrumors.com/2016/07/11/apple-pay-lcbo-quiktrip-sheetz/ |title= Latest Apple Pay Retailers Include LCBO and Former CurrentC Backers |last= Rossignol |first= Joe |publisher= MacRumors |access-date= 2016-07-12 |df= mdy-all |archive-date= July 11, 2016 |archive-url= https://web.archive.org/web/20160711234555/http://www.macrumors.com/2016/07/11/apple-pay-lcbo-quiktrip-sheetz/ |url-status= live }}

Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay.{{cite web |url= http://www.macrumors.com/2016/08/17/chick-fil-a-apple-pay-august-19/ |title= Apple Pay Launching at Chick-fil-A on August 19 |last= Clover |first= Juli |publisher= MacRumors |access-date= 2016-08-18 |df= mdy-all |archive-date= August 18, 2016 |archive-url= https://web.archive.org/web/20160818234726/http://www.macrumors.com/2016/08/17/chick-fil-a-apple-pay-august-19/ |url-status= live }}

On September 7, 2016, Wayfair announced that they will support Apple Pay online.{{cite web |url= http://www.macrumors.com/2016/09/07/wayfair-apple-pay-on-the-web/ |title= Wayfair Will Support Apple Pay in Safari on iPhone, iPad, and Mac at Launch |last= Rossignol |first= Joe |publisher= MacRumors |access-date= 2016-09-07 |df= mdy-all |archive-date= September 11, 2016 |archive-url= https://web.archive.org/web/20160911190732/http://www.macrumors.com/2016/09/07/wayfair-apple-pay-on-the-web/ |url-status= live }}

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.{{Cite news |url= https://www.straight.com/news/1079186/translink-rolls-out-tap-pay-feature-allowing-credit-card-use-fare-gates-and-buses |title= TransLink rolls out "tap to pay" feature allowing credit-card use at fare gates and on buses |date= 2018-05-23 |work= The Georgia Straight |access-date= 2018-05-23 |df= mdy-all |archive-date= May 23, 2018 |archive-url= https://web.archive.org/web/20180523214729/https://www.straight.com/news/1079186/translink-rolls-out-tap-pay-feature-allowing-credit-card-use-fare-gates-and-buses |url-status= live }}

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.{{cite news|url=https://www.theverge.com/2018/7/31/17637058/apple-pay-cvs-7-eleven-support-germany-launch-announcement|title=Apple Pay is coming to CVS and 7-Eleven later this year|date=July 31, 2018|author=Nick Statt|work=The Verge|access-date=August 5, 2018|archive-date=August 5, 2018|archive-url=https://web.archive.org/web/20180805052348/https://www.theverge.com/2018/7/31/17637058/apple-pay-cvs-7-eleven-support-germany-launch-announcement|url-status=live}}

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.{{cite web|url=https://www.engadget.com/2019-05-29-apple-pay-express-transit-new-york-city-subway-buses-mta.html|title=Apple Pay will work on NYC subways and buses starting May 31st|website=engadget.com|language=en|access-date=2020-07-03|archive-date=July 4, 2020|archive-url=https://web.archive.org/web/20200704002555/https://www.engadget.com/2019-05-29-apple-pay-express-transit-new-york-city-subway-buses-mta.html|url-status=live}}

On August 21, 2019, and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.{{cite web|url=https://www.miamidade.gov/global/service.page?Mduid_service=ser1565197498854306|title=Contactless Payment|website=miamidade.gov|language=en|access-date=2019-12-29|archive-date=December 15, 2019|archive-url=https://web.archive.org/web/20191215060041/https://www.miamidade.gov/global/service.page?Mduid_service=ser1565197498854306|url-status=live}}

In February 2020, Apple Pay accounted for 5% of global card transactions.{{cite web|title=Apple Pay is on pace to account for 10% of all global card transactions|url=https://qz.com/1799912/apple-pay-on-pace-to-account-for-10-percent-of-global-card-transactions/|last=Detrixhe|first=John|date=11 February 2020|website=Quartz|access-date=May 4, 2020|archive-date=May 5, 2020|archive-url=https://web.archive.org/web/20200505044743/https://qz.com/1799912/apple-pay-on-pace-to-account-for-10-percent-of-global-card-transactions/|url-status=live}} On April 4, 2020, Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.{{cite web|url=http://corporate.publix.com/about-publix/newsroom/news-releases/publix-offers-contactless-pay-options|title=Publix now offers contactless pay options {{!}} Newsroom|website=Publix Super Markets|language=en-us|access-date=2020-04-10|archive-date=April 17, 2020|archive-url=https://web.archive.org/web/20200417022322/https://corporate.publix.com/about-publix/newsroom/news-releases/publix-offers-contactless-pay-options|url-status=live}}

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{{reflist|30em|refs=

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{{cite web|url=https://techcrunch.com/2014/09/09/announces-mobile-payments-solution-called-apple-pay |title=Apple Announces Mobile Payment Solution Called Apple Pay |work=TechCrunch |publisher=AOL |first=Sarah |last=Perez |date=September 9, 2014 |access-date=September 22, 2014 |archive-url=https://web.archive.org/web/20140910151239/http://techcrunch.com/2014/09/09/announces-mobile-payments-solution-called-apple-pay/ |archive-date=September 10, 2014 |url-status = live|df= mdy-all}}

{{cite web |url= https://www.theregister.co.uk/2014/09/13/apple_to_get_15_cents_for_every_100_dollar_payment_on_its_pay_service_says_ft |title=Apple Pay is a tidy payday for Apple with 0.15% cut, sources say |work=The Register |first=Kelly |last=Fiveash |date=September 13, 2014 |access-date= September 13, 2014 |archive-url=https://web.archive.org/web/20140914043605/http://www.theregister.co.uk/2014/09/13/apple_to_get_15_cents_for_every_100_dollar_payment_on_its_pay_service_says_ft/ |archive-date= September 14, 2014 |url-status = live|df=mdy-all}}

{{cite web|url=https://www.theverge.com/2014/9/9/6084211/apple-pay-iphone-6-nfc-mobile-payment |title=Apple Pay allows you to pay at the counter with your iPhone 6 |work=The Verge |first=Adrianne |last=Jeffries |date= September 9, 2014 |access-date=September 13, 2014 |archive-url=https://web.archive.org/web/20140910225525/http://www.theverge.com/2014/9/9/6084211/apple-pay-iphone-6-nfc-mobile-payment |archive-date=September 10, 2014 |url-status = live|df= mdy-all}}

{{cite web |url= https://www.theverge.com/2014/9/9/6128371/apple-pay-hands-on |title= Apple Pay hands-on: is this the future of payments? |work=The Verge |first= Nilay |last= Patel |author-link= Nilay Patel |date= September 9, 2014 |access-date= September 13, 2014 |archive-url= https://web.archive.org/web/20140910225053/http://www.theverge.com/2014/9/9/6128371/apple-pay-hands-on |archive-date= September 10, 2014 |url-status = live|df= mdy-all}}

{{cite web|url=https://www.theverge.com/2014/9/10/6132153/apple-pay-was-this-weeks-most-revolutionary-product |title=Apple Pay was this week's most revolutionary product |work=The Verge |last=Bohn |first=Dieter |date= September 10, 2014 |access-date=September 13, 2014 |archive-url=https://web.archive.org/web/20140910224120/http://www.theverge.com/2014/9/10/6132153/apple-pay-was-this-weeks-most-revolutionary-product |archive-date=September 10, 2014 |url-status = live|df= mdy-all}}

{{cite web|url=https://www.theverge.com/2014/9/9/6127587/apple-watch-works-with-apple-pay-to-replace-your-credit-cards |title=Apple Watch works with Apple Pay to replace your credit cards |work=The Verge |first=Dante |last= D'Orazio |date= September 9, 2014 |access-date= September 13, 2014 |archive-url= https://web.archive.org/web/20140910225251/http://www.theverge.com/2014/9/9/6127587/apple-watch-works-with-apple-pay-to-replace-your-credit-cards |archive-date= September 10, 2014 |url-status = live|df= mdy-all}}

{{cite web |url= https://www.usatoday.com/story/tech/personal/2014/09/09/apple-mobile-payments-iwallet/15334553 |title= Apple hopes to jump-start mobile payments with Apple Pay |work=USA Today |first= Mike |last= Snider |date= September 9, 2014 |access-date= September 22, 2014 |archive-url= https://web.archive.org/web/20140910175634/http://www.usatoday.com/story/tech/personal/2014/09/09/apple-mobile-payments-iwallet/15334553/ |archive-date= September 10, 2014 |url-status = live|df= mdy-all}}

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{{Commons category}}

• {{Official website|name=Apple Pay official site}}

{{iOS}}

{{Apple}}

{{Mobile payments}}

{{Payment service providers}}

Category:2014 software

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Category:Internet properties established in 2014

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Category:Mobile payments

Category:Mobile payments in the United States