Last Updated: 04/18/2025
SuperMoney User Recommendation Score +89
Strongly recommended36 total votes
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Highlights
Community Rating
Strongly recommended
Minimum Transfer
N/A
Transfer Speed (days)
N/A
Processing Fee Range ($)
$0 - $10
Processing Commission
Starting at 0%
Number of Reviews
Apple Pay Review
Apple Pay is a money transfer service company based in Cupertino, CA. It was founded in 1976 and offers money transfers to 59 countries.
Apple Pay does not charge a fee to send money to Mexico. However, remember that money transfer companies usually make money on the exchange rate so check the rate you receive to calculate the overall cost of the transaction. Apple Pay does not charge a fee to send money to India. However, remember money transfer companies usually make money on the exchange rate so check the rate you receive to calculate the overall cost of the transaction. Apple Pay does not charge a fee to send money to the Philippines. However, remember money transfer companies usually make money on the exchange rate so check the rate you receive to calculate the overall cost of the transaction. Apple Pay does not charge a fee to send money to China. However, money transfer companies usually make money on the exchange rate so check the rate you receive to calculate the overall cost of the transaction.
Apple Pay FAQ
What money transfer methods does Apple Pay support?
Apple Pay allows you to send money with the following receive options (options vary by receive country):
- Digital wallets
How much money can you send with Apple Pay?
Apple Pay does not have a minimum transfer amount.
There is no set maximum transfer amount. But you will need to check with Apple Pay and provide additional information if you are making large transactions.What fees and commissions does Apple Pay charge?
- Apple Pay charges a processing fee that starts at $0 and goes up to $10, but may vary depending, among other things, on the country, amount, and the payment method.
- There isn't a processing commission fee.
- Apple Pay does not charge a currency exchange fee. Instead, Apple Pay makes a profit from the spread between the buy and sell price of the currency you purchase. Compare the exchange rates offered by money transfer services as well as fees when calculating the total cost of the transaction.
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| Processing Commission | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Processing Fee Range ($) | 0 - 10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about Apple Pay
Apple Pay allows you to load your credit cards on your iPhone and pay for goods and services without having to dig through your wallet to find the right card. You can use Apple Pay whenever you make a purchase on your phone and in many physical stores.
The service also has some powerful security features. For example, each card you add gets a unique account number associated with your phone. Apple doesn’t have access to your actual account number, and your account number isn’t used when making transactions, meaning your credit card information is safe if a store you shop at experiences a data breach.
What could Apple Pay do better?
An obvious drawback of Apple Pay is that it is only available on Apple devices. If you have an Android phone, you won’t be able to use Apply Pay.
The service also only works in-stores if those stores are equipped with the right equipment to accept Apple Pay transactions. While this equipment is becoming much more common, you won’t be able to use Apple Pay everywhere that you shop.
Apple Pay’s backstory
Apple was founded in 1976 by Steve Jobs, Steve Wozniak, and Ronald Wayne. The company started as a computer company but has greatly expanded, offering well-known, popular products like the iPod, the iPhone, and the Apple Watch.
Today, Apple is one of the world's largest companies, and its customers are among the most loyal of any brand.
The Verdict
If you own an iPhone, Apple Pay is a useful feature, and you should definitely take the time to set it up. At a minimum, it could come in handy if you go to a store and forget your wallet. Its security features are a great bonus that gives people even more reason to use it.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +89, or 4.8 on a 5-point rating scale.
+89
-1000+100
No one recommends
Everyone recommends
Apple Pay Community Reviews
Would you recommend Apple Pay to your friends?
Hunky M.
Jul 13, 2023
May or may not recommend
Good and you are hundreds and I promise to be a fan
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I use apple pay very frequently. Each time I use them, I have no issues, so I 100% recommend them.
TA
Tatiana A.
Nov 25, 2022
May or may not recommend
I use apple pay very frequently. Each time I use them, I have no issues, so I 100% recommend them.
NR
Nicole R.
Oct 26, 2022
May or may not recommend
I received an email about an upcoming payment due for my apple card. Problem is, I don't have an apple card! To be fair, I don't know if the email was from Apple or a scammer.
Nicole Russo
AB
Amy B.
Oct 24, 2022
May or may not recommend
Apple Pay is more useful to me than other similar services because I have other Apple products, and Apple is known for its ecosystem. So, it feels very seamless.
MJ
Molly J.
Oct 19, 2022
May or may not recommend
I don't personally have an account, but we accept Apple Pay at my job. We've had multiple instances where someone has paid with Apple Pay and then either contested the charge or the information they provided ended up being incorrect or fraudulent. I've heard this is a trick used by some people, so it makes me weary of using it in general.
Debby T.
Oct 19, 2022
May or may not recommend
I would strongly recommend ? Pay because it is so much easier to use. You don’t need to fill in extra details like name, address etc. All you need is a number, you can even make transactions through text. There is no processing commission, the processing fee ranges from $0- $10 and honestly that is actually good compared to other transfer apps.
Rickey M.
Oct 16, 2022
May or may not recommend
Apple pay makes it extremely easy to send money to another person, and quite frankly I just learned a couple of months ago that you can do it directly through text. Their money transfer service made it easy for a recent trip to Vegas when we all paid on one card and then split the bill for the total amount in the end. It is a quick and easy process ...Show More
AB
Anthonia B.
Oct 13, 2022
May or may not recommend
I have a handful of credit/debit cards with me all the time and sometimes I forget my wallet. I love the fact that Apple Pay helps me have them with me at all times and it's SO easy to use it. And I'm able to see the transactions right there.
AW
Alicia W.
Oct 5, 2022
May or may not recommend
ApplePay is my go-to payment method for everything. Sending and receiving money from others is super quick and easy and transferring money to the bank is a piece of cake. The fees aren’t too bad as well.
JH
Janis H.
Oct 5, 2022
May or may not recommend
I've used Apple Pay more than once and it never fails to be fast and secure. I think in this face paced world services like this are vital. I recommend Apple Pay.
Aileen N.
Sep 15, 2022
May or may not recommend
I like to use this app since is easy and practical to use, also to send money to other users and you don’t have to give all your information like name, email or address, just need to share your phone number and that’s it, simple and without risking sharing personal info, this app doesn’t charge extra fees, is accepted everywhere, also easy to use online shopping. I use ...Show More
PN
Perez N.
Aug 21, 2022
May or may not recommend
I will definitely recommend apply pay any day based on how their services are streamlined and easy to use. The constant updates to continue providing more services makes it even better.
Shaina M.
Aug 12, 2022
May or may not recommend
Apple Pay is the reason I don’t know where any of my cards are AND if you use the express key settings , you can even use Apple Pay when your phone is dead . & it’s accepted almost everywhere making it easier to go contactless AND it doesn’t charge to send money among my contacts and offers a fee free deposit option if you can wait a couple of ...Show More
AS
Aaron S.
Aug 1, 2022
May or may not recommend
There aren't enough positive things I can say about Apple Pay. We have been a user since day one. Makes it so convenient to be able to send and receive money quickly from friends. Sending and receiving is both quick and simple.
VK
Victoria K.
Jul 21, 2022
May or may not recommend
I use Apple Pay. I think it is wonderfully designed. Most businesses allow for paying with Apple Pay. Apple Pay is highly integrated to most business websites, as well. Allowing you to pay with just a couple clicks rather than repeatedly entering card info. Highly recommend.
Jody M.
Jul 5, 2022
May or may not recommend
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. ...Show More
SP
Sofia P.
Jun 30, 2022
May or may not recommend
Very easy to use. It's becoming a widely used payment option at almost any business these days so it is very convenient. I had issues at first when using and trouble shooting is very straight forward with their help center.
BP
Bryn P.
Jun 5, 2022
May or may not recommend
We love ApplePay! It is so easy to pay at the store when we can simply scan our phone or watch. We also believe it is better to not get your card stolen this way. We highly reccomend ApplePay and will continue to use it long term.
KS
Kaya S.
May 24, 2022
May or may not recommend
Yes! I love apple pay. A lot of places are using it now and even at small local organizations where they usually only take cash I am able to use my apple pay card instead.
Showing 20 of 36 reviews