Apple Pay
Apple's contactless and online payment service for iPhone, Apple Watch, and Mac.
Commenters like it for quick, easy checkout in stores and online123, for working almost everywhere including abroad456, and for fewer unauthorized card charges.7 Complaints are scattered: one commenter says it adds little in stores over contactless cards8, and some big retailers like Walmart held out against it.910
Why people recommend it
Easy checkout · 3
Paying and adding cards is quick, with Face ID and saved address details.
“Every time shop allows apple pay I pick it.”
“adding a card from a different bank to Apple Pay was quick and painless”
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“Apple Pay is making my payment experience better, and why I use it all the time.”
Wide acceptance · 3
Accepted nearly everywhere, including in several countries outside the US.
“Apple Pay. Why would I use anything else?”
“I use it less and less since Apple Pay is available pretty much everywhere”
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“I used the Apple Pay version and it worked flawlessly.”
Online payments · 3
Browser and app checkout is a convenient alternative to PayPal and card entry.
“The unique value add of Apple Pay in the physical world is nearly zero to me”
“Every time shop allows apple pay I pick it.”
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“I use it less and less since Apple Pay is available pretty much everywhere”
Fraud protection · 1
One user says switching to it ended yearly card replacements from compromised terminals.
“Ever since I switched to nearly exclusively using Apple Pay for physical shopping I’ve had no unauthorized charges”
Caveats and dissent
Little in-store gain · 1
One user sees almost no in-store benefit over contactless physical cards.
“The unique value add of Apple Pay in the physical world is nearly zero to me”
Retailer holdouts · 2
Some large retailers such as Walmart pushed their own payment systems instead.
“Walmart tried to invent their own mobile pay solution instead of Apple Pay when Apple Pay came out”
“Apple Pay is making my payment experience better, and why I use it all the time.”
Early rollout · 1
Early on it was slow in the US and confused checkout staff.
“when I started using Apple Pay I got confusion from the person checking me out”
Amex abroad · 1
Amex cards in Apple Pay are often not accepted outside the US and UK.
“Apple Pay. Why would I use anything else?”
Often compared with
Who recommends it in their own words
Threads where it came up
- Banks and Credit Unions to Team Up Against Apple Pay Fees 2 mentions
- Stripe said to abandon $50B pursuit of PayPal 2 mentions
- Ask HN: What's your preferred digital payment method? 2 mentions
- Google Cloud outage affects almost all banking and other operations in Europe 1 mention
- Apple has added persistent 'ads' to iOS, and it's driving users crazy 1 mention
- Suica, Japan's First IC Transit Card 1 mention
Data: apple-pay.json. Quotes are verbatim; the verdict and theme labels are written by a model from these comments, and every clause links to its sources.
All comments 12
“adding a card from a different bank to Apple Pay was quick and painless”
“when I started using Apple Pay I got confusion from the person checking me out”
“Ever since I switched to nearly exclusively using Apple Pay for physical shopping I’ve had no unauthorized charges”
“The unique value add of Apple Pay in the physical world is nearly zero to me”
“The Girocard naturally has ApplePay, which is what I use daily.”
“I use it less and less since Apple Pay is available pretty much everywhere”
“I used the Apple Pay version and it worked flawlessly.”
“Walmart tried to invent their own mobile pay solution instead of Apple Pay when Apple Pay came out”
“It's always been Apple pay and I really don't care which card is being used by Apple Pay”
“Apple Pay is making my payment experience better, and why I use it all the time.”
“Apple Pay. Why would I use anything else?”
“Every time shop allows apple pay I pick it.”