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Apple Pay
The easier way to pay and send money
As of 30 August 2026, Apple Pay is free to use. Apple Pay is Apple's digital payment platform enabling secure contactless payments, online transactions, and peer-to-peer money transfers through iOS devices. Softwr lists it under Personal Finance. Apple Pay is made by Apple Inc., launched in 2014, available on iOS, Wearable, macOS.
Overview
What Apple Pay does
Apple Pay is Apple's digital payment platform enabling secure contactless payments, online transactions, and peer-to-peer money transfers through iOS devices.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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
Cross-shopped
What people choose instead of Apple Pay
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- Apple PayvsKraken
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- Apple PayvsCash App
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Pricing
What Apple Pay costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Free
Free
- Secure payments
- P2P transfers
- Transit passes
Capabilities
Features
Digital wallet
Secure payments
Contactless transactions
P2P money transfers
Credit cards
Integration with Credit cards
Debit cards
Integration with Debit cards
Bank accounts
Integration with Bank accounts
IOS support
Available on iOS
WatchOS support
Available on watchOS
MacOS support
Available on macOS
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Does Apple Pay charge fees?
No. Apple does not charge any fees when you pay with Apple Pay in stores, online, or in apps.
SourceWhat are the transaction limits for Apple Cash Family?
Apple Cash Family accounts have a maximum transaction limit of $2,000 within any rolling seven-day period for sending or receiving money. The same $2,000 rolling 7-day limit applies to Tap to Cash peer-to-peer transfers.
SourceBehind it
Who makes Apple Pay
- Company
- Apple Inc.
- Based in
- Cupertino, California
Keep looking
Where to go from Apple Pay
- Apple Pay alternativesEvery product people weigh against it
- Apple Pay pricingPlans, floors and what the tiers exclude
- Apple Pay badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Apple Pay with
- PayPal
- Cash App
- Kraken
- Coinbase
- Google Pay
- Zelle
- Skrill
- WorldRemit
- Remitly
- Affirm
- Afterpay
- Expense Manager
- GnuCash
- Goodbudget
- Investopedia Stock Simulator
- IRS2Go
- Venmo
- Google Pay
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Softwr does not host reviews and shows no star rating for Apple Pay, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Apple Pay
Apple Pay alternatives
What people switch to, and what they give up
Apple Pay pricing
Every tier, and where the cost actually lands
Compare Apple Pay
Put it head to head with anything we hold
Apple Pay badge
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Best Personal Finance software alternatives
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