Apple Pay vs AstroPay
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Apple Pay | AstroPay |
|---|---|---|
| Note | 4.4 / 5 | 3.5 / 5 |
| Idéal pour | Contactless payments on Apple devices | Payments in LatAm & emerging markets |
| Frais mensuels | Free | No annual maintenance/card fee |
| Taux de change | Uses your card's FX terms | Conversion margin varies |
| Envoyer / recevoir | Apple Cash P2P free; instant 1.7% | P2P supported; varies by corridor |
| Retraits | Standard Apple Cash free; instant 1.7% | Bank-transfer charges may apply |
| Carte | No standalone card; tokenises existing cards | Yes — virtual & physical debit cards |
| Disponibilité | Apple Pay 80+ countries; Apple Cash US-only | LatAm, Asia, Africa & beyond |
| Devises | Local card currency; Apple Cash USD | Multiple currencies |
| Réglementation | Apple Cash via Green Dot Bank (US); rides card networks | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Création | 2014 | 2009 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay accepted in 80+ countries with no usage fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Avantages
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Inconvénients
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
AstroPay
AstroPay is a London-headquartered, Uruguay-born wallet specialising in Latin American and emerging-market payments, offering local funding options, virtual/physical debit cards and multi-currency balances with no card or maintenance fees. It is a natural fit for cross-border payments into the region, though FX and withdrawal pricing varies. Best for users transacting in or with Latin America.
Avantages
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Inconvénients
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
En résumé
Globalement, Apple Pay prend l'avantage avec une note de 4.4 contre 3.5 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.