Nasz werdykt
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.
Zalety
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
- Apple Cash enables easy P2P in iMessage (US)
- No fee for in-store or online tap-to-pay
Wady
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
- Relies on your underlying card's FX fees
Opłaty i kluczowe fakty
| Rejestracja | Free |
|---|---|
| Opłata miesięczna | Free |
| Wysyłanie / odbiór | Apple Cash P2P free; instant 1.7% |
| Kurs wymiany | Uses your card's FX terms |
| Wypłaty | Standard Apple Cash free; instant 1.7% |
| Karta | No standalone card; tokenises existing cards |
| Dostępność | Apple Pay 80+ countries; Apple Cash US-only |
| Waluty | Local card currency; Apple Cash USD |
| Założono | 2014 |
| Siedziba | Cupertino, USA |
| Regulacja | Apple Cash via Green Dot Bank (US); rides card networks |
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Odwiedź Apple PayCompare Apple Pay with other wallets
Apple Pay — frequently asked questions
Is Apple Pay safe to use?
Apple Pay is regulated by Apple Cash via Green Dot Bank (US); rides card networks and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Apple Pay charge?
Account/monthly fee: Free. Sending or receiving: Apple Cash P2P free; instant 1.7%. Currency conversion: Uses your card's FX terms. Withdrawals: Standard Apple Cash free; instant 1.7%. Fees can change and may vary by country, so always confirm the latest terms on the official Apple Pay site.
Which countries can use Apple Pay?
Apple Pay is available in Apple Pay 80+ countries; Apple Cash US-only. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Apple Pay offer a card?
No standalone card; tokenises existing cards. It supports Local card currency; Apple Cash USD.
What is Apple Pay best for?
Apple Pay is best for contactless payments on apple devices. 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.
Who is behind Apple Pay and where is it based?
Apple Pay launched in 2014 and is based in Cupertino, USA, regulated by Apple Cash via Green Dot Bank (US); rides card networks.
Comments 7
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Super secure since it doesn't share my actual card number with the merchant. It works on my Apple Watch too. The integration is perfect.
Very safe, and setups are simple. Sometimes double-clicking the button on older iPhones is a bit laggy, but overall very good.
Super secure since it doesn't share my actual card number with the merchant. It works on my Apple Watch too. The integration is perfect.
Excellent payment system. It works on almost all modern contactless terminals. The only limit is that it requires the Apple ecosystem to work.
Super secure since it doesn't share my actual card number with the merchant. It works on my Apple Watch too. The integration is perfect.
Flawless and fast. I haven't carried a physical wallet in months. Press the power button twice, scan my face, and payment is done. So secure.
Flawless and fast. I haven't carried a physical wallet in months. Press the power button twice, scan my face, and payment is done. So secure.