Apple Pay vs Venmo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | Venmo |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Splitting bills with US friends |
| Ежемесячная комиссия | Free | Free |
| Курс обмена | Uses your card's FX terms | N/A (US-only) |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | Free from balance/bank/debit; instant 1.75% |
| Выводы средств | Standard Apple Cash free; instant 1.7% | Standard free; instant 1.75% |
| Карта | No standalone card; tokenises existing cards | Yes — Venmo Visa debit (and a Visa credit card) |
| Доступность | Apple Pay 80+ countries; Apple Cash US-only | United States only |
| Валюты | Local card currency; Apple Cash USD | USD |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | FinCEN (MSB), US state licences; PayPal-owned |
| Основан | 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.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Минусы
- 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.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.