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Apple Pay vs Mint

Apple Pay logo

Apple Pay

Software

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
Mint logo

Mint

Software

All your money in one app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Apple Pay covers Digital wallet, Mint covers Expense tracking.

Where they differ

Only the attributes on which Apple Pay and Mint actually diverge.

Attributes where Apple Pay and Mint differ
AttributeApple PayMint
PlatformsIOS, WatchOS, MacOSWeb, iOS, Android
Founded20142006

Identical on both: starting price (Free), pricing model (free), free tier (Yes), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • IOS support

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

What people use each for

The jobs each tool is most often brought in to do.

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Mint
  • Paying in apps and on the web without entering card detailsnot Mint
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Mint

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Apple Pay
  • Users transitioning to Credit Karma for continued money management featuresnot Apple Pay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Pricing, plan by plan

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Mint

Free

No published plan breakdown. See the Mint review.

Which should you pick?

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Questions people ask

Is Apple Pay or Mint better?
Neither clearly leads. Apple Pay starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Mint?
Apple Pay starts at Free and Mint at Free.
Does Apple Pay or Mint run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Mint runs on Web, iOS, Android.
Can I use Apple Pay for free?
Both have a free tier, so you can try either at no cost before committing.
What is Apple Pay best used for?
Apple Pay is most often used for contactless in store payment from iphone and apple watch, paying in apps and on the web without entering card details, sending money between apple users with apple cash and tap to cash. Of those, contactless in store payment from iphone and apple watch and paying in apps and on the web without entering card details are not what Mint is typically brought in for.
What can Apple Pay do that Mint cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring.
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