{"slug": "apple-pay", "name": "Apple Pay", "category": "other", "category_name": "Other software", "description": "Apple's contactless and online payment service for iPhone, Apple Watch, and Mac.", "recommenders": 7, "commenters": 12, "warners": 0, "score": 7.818, "rising": 3.02, "first": "2026-01-10", "latest": "2026-10-20", "why": "Commenters like it for quick, easy checkout in stores and online, for working almost everywhere including abroad, and for fewer unauthorized card charges.", "why_is_quote": false, "has_verdict": true, "sentiment": {"recommend": 7, "neutral": 5, "compare": 0, "warn": 0}, "spark": [0, 0, 3, 0, 0, 0, 0, 0, 0, 2, 1, 1], "listed": true, "loved": ["Easy checkout", "Wide acceptance"], "caveat": "Little in-store gain", "short_quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "icon": false, "domain": null, "github_repo": null, "official_url": "https://www.apple.com/apple-pay/", "pricing": "free", "aliases": ["Apple Pay"], "verdict": [{"text": "Commenters like it for quick, easy checkout in stores and online", "cites": [{"id": 745147760, "item_id": 46571735, "url": "https://news.ycombinator.com/item?id=46571735", "by": "para_parolu", "date": "2026-01-10", "stance": "recommend", "quote": "Every time shop allows apple pay I pick it.", "excerpt": "US: apple pay. It knows address, only requires face id check. Adds shipping tracking. Works on every device I use. Every time shop allows apple pay I pick it. When not available I usually pick credit card.", "context": "US", "use_case": "online payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 746988640, "item_id": 46686790, "url": "https://news.ycombinator.com/item?id=46686790", "by": "jameskilton", "date": "2026-01-19", "stance": "recommend", "quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "excerpt": "The article misses the other reason that Walmart has invested in multiple attempts at electronic payments: not paying merchant fees to Visa and Mastercard. That's why their system requires you hooking up to your bank account directly. All of Walmart's attempts at this have been focused on making Walmart's bottom line better, which is why every one of them has failed, whereas Apple Pay is making my payment experience ", "context": "", "use_case": "mobile payments", "switched_from": "", "story": "Why Walmart still doesn't support Apple Pay"}, {"id": 802666689, "item_id": 50166668, "url": "https://news.ycombinator.com/item?id=50166668", "by": "rpozarickij", "date": "2026-10-20", "stance": "recommend", "quote": "adding a card from a different bank to Apple Pay was quick and painless", "excerpt": "I couldn't pay for groceries with Revolut in a store. Staff asked if I was using Revolut, but luckily adding a card from a different bank to Apple Pay was quick and painless (I had neither my wallet nor cash with me). Another reminder that we need redundancy for all essential services that we rely on.", "context": "", "use_case": "payments fallback", "switched_from": "", "story": "Google Cloud outage affects almost all banking and other operations in Europe"}]}, {"text": ", for working almost everywhere including abroad", "cites": [{"id": 745156016, "item_id": 46572251, "url": "https://news.ycombinator.com/item?id=46572251", "by": "raw_anon_1111", "date": "2026-01-10", "stance": "recommend", "quote": "Apple Pay.  Why would I use anything else?", "excerpt": "Apple Pay. Why would I use anything else? I used it in four countries last year outside of the US - Costa Rica, Canada, UK and France without a problem. Even my barber takes Apple Pay right from his Android Phone by tapping. The only difference is outside of the US and the UK, Amex isn\u2019t frequently accepted.", "context": "travels internationally", "use_case": "digital payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 791593473, "item_id": 49474592, "url": "https://news.ycombinator.com/item?id=49474592", "by": "mjrbrennan", "date": "2026-08-28", "stance": "recommend", "quote": "I use it less and less since Apple Pay is available pretty much everywhere", "excerpt": "Yes it's basically every website in Australia you can pay via PayPal now. I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.", "context": "lives in Australia", "use_case": "online payments", "switched_from": "PayPal", "story": "Stripe said to abandon $50B pursuit of PayPal"}, {"id": 791474912, "item_id": 49467182, "url": "https://news.ycombinator.com/item?id=49467182", "by": "jjice", "date": "2026-08-27", "stance": "recommend", "quote": "I used the Apple Pay version and it worked flawlessly.", "excerpt": "Suica was excellent when I had the chance to use it. I used the Apple Pay version and it worked flawlessly. I think I do prefer what I'm seeing more and more in the US with a tap-to-pay so I don't have to learn a new system, but Suica was so universal that I really couldn't complain. Makes sense especially with the larger diversity of digital payment methods and cash prevalence in Japan.", "context": "", "use_case": "Suica transit payments in Japan", "switched_from": "", "story": "Suica, Japan's First IC Transit Card"}]}, {"text": ", and for fewer unauthorized card charges.", "cites": [{"id": 797756528, "item_id": 49859783, "url": "https://news.ycombinator.com/item?id=49859783", "by": "cosmic_cheese", "date": "2026-09-26", "stance": "recommend", "quote": "Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges", "excerpt": "Importantly, this provides a degree of protection from compromised PoS terminals. Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges, whereas back when I was still tapping, inserting, or swiping my card I\u2019d need to call and get a card or two replaced almost every year.", "context": "", "use_case": "physical shopping payments", "switched_from": "physical card", "story": "Banks and Credit Unions to Team Up Against Apple Pay Fees"}]}, {"text": " Complaints are scattered: one commenter says it adds little in stores over contactless cards", "cites": [{"id": 796859552, "item_id": 49803722, "url": "https://news.ycombinator.com/item?id=49803722", "by": "klardotsh", "date": "2026-09-22", "stance": "neutral", "quote": "The unique value add of Apple Pay in the physical world is nearly zero to me", "excerpt": "Funny enough, the only part of Apple Pay I use with any frequency is the browser/app integration part, basically as a much more convenient alternative to PayPal sometimes. IRL I do use it on occasion but everything I use it for, I could just fall back to the contactless chips in my physical plastic CCs - just like I did for all those years on a deGoogled Android phone with no Google Wallet support. The unique value a", "context": "", "use_case": "browser/app payments", "switched_from": "", "story": "Apple has added persistent 'ads' to iOS, and it's driving users crazy"}]}, {"text": ", and some big retailers like Walmart held out against it.", "cites": [{"id": 790423280, "item_id": 49401455, "url": "https://news.ycombinator.com/item?id=49401455", "by": "anon7000", "date": "2026-08-22", "stance": "neutral", "quote": "Walmart tried to invent their own mobile pay solution instead of Apple Pay when Apple Pay came out", "excerpt": "I use tap to pay probably 90% of the time in the US these days. The 10% of holdouts are either very old mom&pop shops (though many of these have largely migrated to Toast or similar systems) or\u2026 massive retailers who didn't want to give up control. (Or various restaurants who don\u2019t have a payment terminal to bring to you.) For example, Walmart tried to invent their own mobile pay solution instead of Apple Pay when Ap", "context": "", "use_case": "tap to pay", "switched_from": "", "story": "Tap to Pay Is Coming to Walmart and Sam's Club"}, {"id": 746988640, "item_id": 46686790, "url": "https://news.ycombinator.com/item?id=46686790", "by": "jameskilton", "date": "2026-01-19", "stance": "recommend", "quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "excerpt": "The article misses the other reason that Walmart has invested in multiple attempts at electronic payments: not paying merchant fees to Visa and Mastercard. That's why their system requires you hooking up to your bank account directly. All of Walmart's attempts at this have been focused on making Walmart's bottom line better, which is why every one of them has failed, whereas Apple Pay is making my payment experience ", "context": "", "use_case": "mobile payments", "switched_from": "", "story": "Why Walmart still doesn't support Apple Pay"}]}], "praise": [{"label": "Easy checkout", "summary": "Paying and adding cards is quick, with Face ID and saved address details.", "quotes": [{"id": 745147760, "item_id": 46571735, "url": "https://news.ycombinator.com/item?id=46571735", "by": "para_parolu", "date": "2026-01-10", "stance": "recommend", "quote": "Every time shop allows apple pay I pick it.", "excerpt": "US: apple pay. It knows address, only requires face id check. Adds shipping tracking. Works on every device I use. Every time shop allows apple pay I pick it. When not available I usually pick credit card.", "context": "US", "use_case": "online payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 802666689, "item_id": 50166668, "url": "https://news.ycombinator.com/item?id=50166668", "by": "rpozarickij", "date": "2026-10-20", "stance": "recommend", "quote": "adding a card from a different bank to Apple Pay was quick and painless", "excerpt": "I couldn't pay for groceries with Revolut in a store. Staff asked if I was using Revolut, but luckily adding a card from a different bank to Apple Pay was quick and painless (I had neither my wallet nor cash with me). Another reminder that we need redundancy for all essential services that we rely on.", "context": "", "use_case": "payments fallback", "switched_from": "", "story": "Google Cloud outage affects almost all banking and other operations in Europe"}, {"id": 746988640, "item_id": 46686790, "url": "https://news.ycombinator.com/item?id=46686790", "by": "jameskilton", "date": "2026-01-19", "stance": "recommend", "quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "excerpt": "The article misses the other reason that Walmart has invested in multiple attempts at electronic payments: not paying merchant fees to Visa and Mastercard. That's why their system requires you hooking up to your bank account directly. All of Walmart's attempts at this have been focused on making Walmart's bottom line better, which is why every one of them has failed, whereas Apple Pay is making my payment experience ", "context": "", "use_case": "mobile payments", "switched_from": "", "story": "Why Walmart still doesn't support Apple Pay"}]}, {"label": "Wide acceptance", "summary": "Accepted nearly everywhere, including in several countries outside the US.", "quotes": [{"id": 745156016, "item_id": 46572251, "url": "https://news.ycombinator.com/item?id=46572251", "by": "raw_anon_1111", "date": "2026-01-10", "stance": "recommend", "quote": "Apple Pay.  Why would I use anything else?", "excerpt": "Apple Pay. Why would I use anything else? I used it in four countries last year outside of the US - Costa Rica, Canada, UK and France without a problem. Even my barber takes Apple Pay right from his Android Phone by tapping. The only difference is outside of the US and the UK, Amex isn\u2019t frequently accepted.", "context": "travels internationally", "use_case": "digital payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 791593473, "item_id": 49474592, "url": "https://news.ycombinator.com/item?id=49474592", "by": "mjrbrennan", "date": "2026-08-28", "stance": "recommend", "quote": "I use it less and less since Apple Pay is available pretty much everywhere", "excerpt": "Yes it's basically every website in Australia you can pay via PayPal now. I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.", "context": "lives in Australia", "use_case": "online payments", "switched_from": "PayPal", "story": "Stripe said to abandon $50B pursuit of PayPal"}, {"id": 791474912, "item_id": 49467182, "url": "https://news.ycombinator.com/item?id=49467182", "by": "jjice", "date": "2026-08-27", "stance": "recommend", "quote": "I used the Apple Pay version and it worked flawlessly.", "excerpt": "Suica was excellent when I had the chance to use it. I used the Apple Pay version and it worked flawlessly. I think I do prefer what I'm seeing more and more in the US with a tap-to-pay so I don't have to learn a new system, but Suica was so universal that I really couldn't complain. Makes sense especially with the larger diversity of digital payment methods and cash prevalence in Japan.", "context": "", "use_case": "Suica transit payments in Japan", "switched_from": "", "story": "Suica, Japan's First IC Transit Card"}]}, {"label": "Online payments", "summary": "Browser and app checkout is a convenient alternative to PayPal and card entry.", "quotes": [{"id": 796859552, "item_id": 49803722, "url": "https://news.ycombinator.com/item?id=49803722", "by": "klardotsh", "date": "2026-09-22", "stance": "neutral", "quote": "The unique value add of Apple Pay in the physical world is nearly zero to me", "excerpt": "Funny enough, the only part of Apple Pay I use with any frequency is the browser/app integration part, basically as a much more convenient alternative to PayPal sometimes. IRL I do use it on occasion but everything I use it for, I could just fall back to the contactless chips in my physical plastic CCs - just like I did for all those years on a deGoogled Android phone with no Google Wallet support. The unique value a", "context": "", "use_case": "browser/app payments", "switched_from": "", "story": "Apple has added persistent 'ads' to iOS, and it's driving users crazy"}, {"id": 745147760, "item_id": 46571735, "url": "https://news.ycombinator.com/item?id=46571735", "by": "para_parolu", "date": "2026-01-10", "stance": "recommend", "quote": "Every time shop allows apple pay I pick it.", "excerpt": "US: apple pay. It knows address, only requires face id check. Adds shipping tracking. Works on every device I use. Every time shop allows apple pay I pick it. When not available I usually pick credit card.", "context": "US", "use_case": "online payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 791593473, "item_id": 49474592, "url": "https://news.ycombinator.com/item?id=49474592", "by": "mjrbrennan", "date": "2026-08-28", "stance": "recommend", "quote": "I use it less and less since Apple Pay is available pretty much everywhere", "excerpt": "Yes it's basically every website in Australia you can pay via PayPal now. I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.", "context": "lives in Australia", "use_case": "online payments", "switched_from": "PayPal", "story": "Stripe said to abandon $50B pursuit of PayPal"}]}, {"label": "Fraud protection", "summary": "One user says switching to it ended yearly card replacements from compromised terminals.", "quotes": [{"id": 797756528, "item_id": 49859783, "url": "https://news.ycombinator.com/item?id=49859783", "by": "cosmic_cheese", "date": "2026-09-26", "stance": "recommend", "quote": "Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges", "excerpt": "Importantly, this provides a degree of protection from compromised PoS terminals. Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges, whereas back when I was still tapping, inserting, or swiping my card I\u2019d need to call and get a card or two replaced almost every year.", "context": "", "use_case": "physical shopping payments", "switched_from": "physical card", "story": "Banks and Credit Unions to Team Up Against Apple Pay Fees"}]}], "caveats": [{"label": "Little in-store gain", "summary": "One user sees almost no in-store benefit over contactless physical cards.", "quotes": [{"id": 796859552, "item_id": 49803722, "url": "https://news.ycombinator.com/item?id=49803722", "by": "klardotsh", "date": "2026-09-22", "stance": "neutral", "quote": "The unique value add of Apple Pay in the physical world is nearly zero to me", "excerpt": "Funny enough, the only part of Apple Pay I use with any frequency is the browser/app integration part, basically as a much more convenient alternative to PayPal sometimes. IRL I do use it on occasion but everything I use it for, I could just fall back to the contactless chips in my physical plastic CCs - just like I did for all those years on a deGoogled Android phone with no Google Wallet support. The unique value a", "context": "", "use_case": "browser/app payments", "switched_from": "", "story": "Apple has added persistent 'ads' to iOS, and it's driving users crazy"}]}, {"label": "Retailer holdouts", "summary": "Some large retailers such as Walmart pushed their own payment systems instead.", "quotes": [{"id": 790423280, "item_id": 49401455, "url": "https://news.ycombinator.com/item?id=49401455", "by": "anon7000", "date": "2026-08-22", "stance": "neutral", "quote": "Walmart tried to invent their own mobile pay solution instead of Apple Pay when Apple Pay came out", "excerpt": "I use tap to pay probably 90% of the time in the US these days. The 10% of holdouts are either very old mom&pop shops (though many of these have largely migrated to Toast or similar systems) or\u2026 massive retailers who didn't want to give up control. (Or various restaurants who don\u2019t have a payment terminal to bring to you.) For example, Walmart tried to invent their own mobile pay solution instead of Apple Pay when Ap", "context": "", "use_case": "tap to pay", "switched_from": "", "story": "Tap to Pay Is Coming to Walmart and Sam's Club"}, {"id": 746988640, "item_id": 46686790, "url": "https://news.ycombinator.com/item?id=46686790", "by": "jameskilton", "date": "2026-01-19", "stance": "recommend", "quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "excerpt": "The article misses the other reason that Walmart has invested in multiple attempts at electronic payments: not paying merchant fees to Visa and Mastercard. That's why their system requires you hooking up to your bank account directly. All of Walmart's attempts at this have been focused on making Walmart's bottom line better, which is why every one of them has failed, whereas Apple Pay is making my payment experience ", "context": "", "use_case": "mobile payments", "switched_from": "", "story": "Why Walmart still doesn't support Apple Pay"}]}, {"label": "Early rollout", "summary": "Early on it was slow in the US and confused checkout staff.", "quotes": [{"id": 797780832, "item_id": 49861302, "url": "https://news.ycombinator.com/item?id=49861302", "by": "MBCook", "date": "2026-09-26", "stance": "neutral", "quote": "when I started using Apple Pay I got confusion from the person checking me out", "excerpt": "I know it was in Europe FAR before the US too. I\u2019m speaking from a very US centric perspective as that\u2019s all I personally experienced. No one wanted to put on EMV terminals because they didn\u2019t want to pay the upgrade cost. Even if they bought them because they were the only thing, they wouldn\u2019t turn any of the EMV stuff on. You still did everything like 1995. It was the liability shift that finally forced people to s", "context": "", "use_case": "tap-to-pay at retailers", "switched_from": "", "story": "Banks and Credit Unions to Team Up Against Apple Pay Fees"}]}, {"label": "Amex abroad", "summary": "Amex cards in Apple Pay are often not accepted outside the US and UK.", "quotes": [{"id": 745156016, "item_id": 46572251, "url": "https://news.ycombinator.com/item?id=46572251", "by": "raw_anon_1111", "date": "2026-01-10", "stance": "recommend", "quote": "Apple Pay.  Why would I use anything else?", "excerpt": "Apple Pay. Why would I use anything else? I used it in four countries last year outside of the US - Costa Rica, Canada, UK and France without a problem. Even my barber takes Apple Pay right from his Android Phone by tapping. The only difference is outside of the US and the UK, Amex isn\u2019t frequently accepted.", "context": "travels internationally", "use_case": "digital payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}]}], "who": [{"by": "mjrbrennan", "context": "lives in Australia", "url": "https://news.ycombinator.com/item?id=49474592", "date": "2026-08-28"}, {"by": "raw_anon_1111", "context": "travels internationally", "url": "https://news.ycombinator.com/item?id=46572251", "date": "2026-01-10"}, {"by": "para_parolu", "context": "US", "url": "https://news.ycombinator.com/item?id=46571735", "date": "2026-01-10"}], "tags": ["for international travel", "for online checkout", "for transit cards like Suica"], "use_cases": ["online payments", "payments fallback", "tap-to-pay at retailers", "physical shopping payments", "browser/app payments", "daily payments"], "compared": [{"slug": "paypal", "name": "PayPal", "co": 3, "switched_from": 1, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=49857651", "title": "Banks and Credit Unions to Team Up Against Apple Pay Fees", "mentions": 2}, {"url": "https://news.ycombinator.com/item?id=49473483", "title": "Stripe said to abandon $50B pursuit of PayPal", "mentions": 2}, {"url": "https://news.ycombinator.com/item?id=46557129", "title": "Ask HN: What's your preferred digital payment method?", "mentions": 2}, {"url": "https://news.ycombinator.com/item?id=50163961", "title": "Google Cloud outage affects almost all banking and other operations in Europe", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=49801939", "title": "Apple has added persistent 'ads' to iOS, and it's driving users crazy", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=49466894", "title": "Suica, Japan's First IC Transit Card", "mentions": 1}], "sentiment_by_month": {"2025-11": {}, "2025-12": {}, "2026-01": {"recommend": 3}, "2026-02": {}, "2026-03": {}, "2026-04": {}, "2026-05": {"neutral": 1}, "2026-06": {}, "2026-07": {}, "2026-08": {"neutral": 2, "recommend": 2}, "2026-09": {"neutral": 2, "recommend": 1}, "2026-10": {"recommend": 1}}, "quotes": [{"id": 802666689, "item_id": 50166668, "url": "https://news.ycombinator.com/item?id=50166668", "by": "rpozarickij", "date": "2026-10-20", "stance": "recommend", "quote": "adding a card from a different bank to Apple Pay was quick and painless", "excerpt": "I couldn't pay for groceries with Revolut in a store. Staff asked if I was using Revolut, but luckily adding a card from a different bank to Apple Pay was quick and painless (I had neither my wallet nor cash with me). Another reminder that we need redundancy for all essential services that we rely on.", "context": "", "use_case": "payments fallback", "switched_from": "", "story": "Google Cloud outage affects almost all banking and other operations in Europe"}, {"id": 797780832, "item_id": 49861302, "url": "https://news.ycombinator.com/item?id=49861302", "by": "MBCook", "date": "2026-09-26", "stance": "neutral", "quote": "when I started using Apple Pay I got confusion from the person checking me out", "excerpt": "I know it was in Europe FAR before the US too. I\u2019m speaking from a very US centric perspective as that\u2019s all I personally experienced. No one wanted to put on EMV terminals because they didn\u2019t want to pay the upgrade cost. Even if they bought them because they were the only thing, they wouldn\u2019t turn any of the EMV stuff on. You still did everything like 1995. It was the liability shift that finally forced people to s", "context": "", "use_case": "tap-to-pay at retailers", "switched_from": "", "story": "Banks and Credit Unions to Team Up Against Apple Pay Fees"}, {"id": 797756528, "item_id": 49859783, "url": "https://news.ycombinator.com/item?id=49859783", "by": "cosmic_cheese", "date": "2026-09-26", "stance": "recommend", "quote": "Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges", "excerpt": "Importantly, this provides a degree of protection from compromised PoS terminals. Ever since I switched to nearly exclusively using Apple Pay for physical shopping I\u2019ve had no unauthorized charges, whereas back when I was still tapping, inserting, or swiping my card I\u2019d need to call and get a card or two replaced almost every year.", "context": "", "use_case": "physical shopping payments", "switched_from": "physical card", "story": "Banks and Credit Unions to Team Up Against Apple Pay Fees"}, {"id": 796859552, "item_id": 49803722, "url": "https://news.ycombinator.com/item?id=49803722", "by": "klardotsh", "date": "2026-09-22", "stance": "neutral", "quote": "The unique value add of Apple Pay in the physical world is nearly zero to me", "excerpt": "Funny enough, the only part of Apple Pay I use with any frequency is the browser/app integration part, basically as a much more convenient alternative to PayPal sometimes. IRL I do use it on occasion but everything I use it for, I could just fall back to the contactless chips in my physical plastic CCs - just like I did for all those years on a deGoogled Android phone with no Google Wallet support. The unique value a", "context": "", "use_case": "browser/app payments", "switched_from": "", "story": "Apple has added persistent 'ads' to iOS, and it's driving users crazy"}, {"id": 791613584, "item_id": 49475849, "url": "https://news.ycombinator.com/item?id=49475849", "by": "whstl", "date": "2026-08-28", "stance": "neutral", "quote": "The Girocard naturally has ApplePay, which is what I use daily.", "excerpt": "I do have a credit card for emergencies but I haven't used in years. It's in the drawer, I didn't even integrate it with Apple Pay. My Girocard has Maestro integration, so I can use it overseas, but no number. Apparently this is gonna go away. The Girocard naturally has ApplePay, which is what I use daily.", "context": "", "use_case": "daily payments", "switched_from": "", "story": "Stripe said to abandon $50B pursuit of PayPal"}, {"id": 791593473, "item_id": 49474592, "url": "https://news.ycombinator.com/item?id=49474592", "by": "mjrbrennan", "date": "2026-08-28", "stance": "recommend", "quote": "I use it less and less since Apple Pay is available pretty much everywhere", "excerpt": "Yes it's basically every website in Australia you can pay via PayPal now. I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.", "context": "lives in Australia", "use_case": "online payments", "switched_from": "PayPal", "story": "Stripe said to abandon $50B pursuit of PayPal"}, {"id": 791474912, "item_id": 49467182, "url": "https://news.ycombinator.com/item?id=49467182", "by": "jjice", "date": "2026-08-27", "stance": "recommend", "quote": "I used the Apple Pay version and it worked flawlessly.", "excerpt": "Suica was excellent when I had the chance to use it. I used the Apple Pay version and it worked flawlessly. I think I do prefer what I'm seeing more and more in the US with a tap-to-pay so I don't have to learn a new system, but Suica was so universal that I really couldn't complain. Makes sense especially with the larger diversity of digital payment methods and cash prevalence in Japan.", "context": "", "use_case": "Suica transit payments in Japan", "switched_from": "", "story": "Suica, Japan's First IC Transit Card"}, {"id": 790423280, "item_id": 49401455, "url": "https://news.ycombinator.com/item?id=49401455", "by": "anon7000", "date": "2026-08-22", "stance": "neutral", "quote": "Walmart tried to invent their own mobile pay solution instead of Apple Pay when Apple Pay came out", "excerpt": "I use tap to pay probably 90% of the time in the US these days. The 10% of holdouts are either very old mom&pop shops (though many of these have largely migrated to Toast or similar systems) or\u2026 massive retailers who didn't want to give up control. (Or various restaurants who don\u2019t have a payment terminal to bring to you.) For example, Walmart tried to invent their own mobile pay solution instead of Apple Pay when Ap", "context": "", "use_case": "tap to pay", "switched_from": "", "story": "Tap to Pay Is Coming to Walmart and Sam's Club"}, {"id": 771362064, "item_id": 48210129, "url": "https://news.ycombinator.com/item?id=48210129", "by": "sajithdilshan", "date": "2026-05-20", "stance": "neutral", "quote": "It's always been Apple pay and I really don't care which card is being used by Apple Pay", "excerpt": "If it's p2p transfers why not just use SEPA instant transfers? As for online payments and POS payments, I don't even remember the last time I used a physical card. It's always been Apple pay and I really don't care which card is being used by Apple Pay", "context": "", "use_case": "payments", "switched_from": "", "story": "Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment"}, {"id": 746988640, "item_id": 46686790, "url": "https://news.ycombinator.com/item?id=46686790", "by": "jameskilton", "date": "2026-01-19", "stance": "recommend", "quote": "Apple Pay is making my payment experience better, and why I use it all the time.", "excerpt": "The article misses the other reason that Walmart has invested in multiple attempts at electronic payments: not paying merchant fees to Visa and Mastercard. That's why their system requires you hooking up to your bank account directly. All of Walmart's attempts at this have been focused on making Walmart's bottom line better, which is why every one of them has failed, whereas Apple Pay is making my payment experience ", "context": "", "use_case": "mobile payments", "switched_from": "", "story": "Why Walmart still doesn't support Apple Pay"}, {"id": 745156016, "item_id": 46572251, "url": "https://news.ycombinator.com/item?id=46572251", "by": "raw_anon_1111", "date": "2026-01-10", "stance": "recommend", "quote": "Apple Pay.  Why would I use anything else?", "excerpt": "Apple Pay. Why would I use anything else? I used it in four countries last year outside of the US - Costa Rica, Canada, UK and France without a problem. Even my barber takes Apple Pay right from his Android Phone by tapping. The only difference is outside of the US and the UK, Amex isn\u2019t frequently accepted.", "context": "travels internationally", "use_case": "digital payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}, {"id": 745147760, "item_id": 46571735, "url": "https://news.ycombinator.com/item?id=46571735", "by": "para_parolu", "date": "2026-01-10", "stance": "recommend", "quote": "Every time shop allows apple pay I pick it.", "excerpt": "US: apple pay. It knows address, only requires face id check. Adds shipping tracking. Works on every device I use. Every time shop allows apple pay I pick it. When not available I usually pick credit card.", "context": "US", "use_case": "online payments", "switched_from": "", "story": "Ask HN: What's your preferred digital payment method?"}]}