Apple Pay vs Venmo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Apple Pay | Venmo |
|---|---|---|
| Note | 4.4 / 5 | 4.1 / 5 |
| Idéal pour | Contactless payments on Apple devices | Splitting bills with US friends |
| Frais mensuels | Free | Free |
| Taux de change | Uses your card's FX terms | N/A (US-only) |
| Envoyer / recevoir | Apple Cash P2P free; instant 1.7% | Free from balance/bank/debit; instant 1.75% |
| Retraits | Standard Apple Cash free; instant 1.7% | Standard free; instant 1.75% |
| Carte | No standalone card; tokenises existing cards | Yes — Venmo Visa debit (and a Visa credit card) |
| Disponibilité | Apple Pay 80+ countries; Apple Cash US-only | United States only |
| Devises | Local card currency; Apple Cash USD | USD |
| Réglementation | Apple Cash via Green Dot Bank (US); rides card networks | FinCEN (MSB), US state licences; PayPal-owned |
| 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%
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
En résumé
Globalement, Apple Pay prend l'avantage avec une note de 4.4 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.