Apple Pay vs Google Wallet
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Apple Pay | Google Wallet |
|---|---|---|
| Note | 4.4 / 5 | 4.3 / 5 |
| Idéal pour | Contactless payments on Apple devices | Contactless payments & passes on Android |
| Frais mensuels | Free | Free |
| Taux de change | Uses your card's FX terms | Uses your card's FX terms |
| Envoyer / recevoir | Apple Cash P2P free; instant 1.7% | No Google fee; send money only in India and Singapore |
| Retraits | Standard Apple Cash free; instant 1.7% | N/A |
| Carte | No standalone card; tokenises existing cards | No standalone card; stores cards, passes & tickets |
| Disponibilité | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | Countries on Google supported-countries list; tap to pay varies by country |
| Devises | Local card currency; Apple Cash USD | Local card currency |
| Réglementation | Apple Cash via Green Dot Bank (US); rides card networks | Rides card networks; licences by region |
| Création | 2014 | 2011 (Wallet rebrand 2022) |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple 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
- Available in 100+ countries and regions
Inconvénients
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Avantages
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
En résumé
Globalement, Apple Pay prend l'avantage avec une note de 4.4 contre 4.3 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.