Apple Pay Reviews & Complaints

Apple Pay Logo
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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Easy integration with Apple devices. Limited rewards programs.
Enhanced security features. Limited to Apple users.
Convenient, fast transactions. Possible privacy concerns.
No additional fees. Merchant adoption varies.
Wide acceptance globally. Device dependency.

Apple Pay Payment Processing

Apple Pay is a mobile wallet application for all iPhone models after the iPhone 6 and for the Apple Watch. It utilizes the iPhone's NFC capability in conjunction with a built-in fingerprint scanner to enable customers to pay for products with their phones at physical retail locations and within various iPhone and iPad apps. In September 2018, Apple also added the ability to send money to other Apple Pay users in the Messages app (known as “Apple Pay Cash”), similar to Venmo or Square Cash.

Apple Card

On August 20, 2019 Apple launched the Apple Card. The card integrates into Apple Pay users' digital wallets. The card also provides users with similar benefits to conventional credit cards. Those benefits include 3% cashback for purchases from Apple, and 2% for any purchase made using Apple Pay.

Competes with Samsung and Google

Before they can use the service, Apple Pay users are first required to enter their card information into each device's Wallet application, where the card information is tokenized and stored. They can then use Apple Pay to make purchases at all NFC-enabled credit card terminals with just a tap of their phones. Apple Pay's primary competitors are Samsung Pay and Google Pay. Tim Cook is the CEO of Apple, whose headquarters are located at 1 Infinite Loop, Cupertino, California.

Apple Pay payment processing
Apple Pay offers a mobile payment processing service similar to Google Pay and Samsung Pay

Apple Pay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint User Abuse

Largely Positive Feedback

Apple Pay is widely praised for its ease of use, robust security features, and convenience. Both users and experts find it a useful payment method, performing as expected. However, a limited number of participating locations is frequently mentioned as a drawback. Additionally, several users express a desire for the service’s compatibility with older iPhone models.

Room for Improvement

Many reviews suggest that loyalty card integration could enhance Apple Pay’s functionality. There is also some inconsistency in the payment process across different terminals, affecting aspects like tip interfaces and payment confirmations. Earlier issues, such as double charging for Bank of America card users, have been resolved. Moreover, some users have reported issues with in-app purchases and the overall performance of the service in this context.

More Reviews to Come

As Apple Pay is integrated within the Apple Wallet app, it doesn’t have an independent App Store profile. However, with NFC payments growing in popularity, it is expected that more consumer reviews will emerge over time.

Apple Pay Lawsuits

There are no outstanding class-action lawsuits or FTC complaints specifically against Apple Pay. While Apple has faced patent lawsuits regarding Apple Pay, they have been mostly won or dismissed by the company. Merchants with grievances against Apple Pay are encouraged to report them to relevant supervisory organizations for non-litigious resolution. Notably, Apple settled litigation in early 2020 for up to $500 million, related to allegations of intentionally slowing down older iPhones.

Apple Pay Customer Service Options

Apple provides dedicated customer service specifically for Apple Pay, assisting users with troubleshooting, and addressing security and privacy concerns. Direct communication with a customer service representative can be accessed through Apple’s general customer support services.

Apple Pay Online Ratings

Here's How They Rate Online

No Dedicated Profile

The Better Business Bureau does not maintain a profile specifically for Apple Pay at this time. We therefore will not factor a BBB rating into our review at this time.

Apple Pay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Apple Pay Cash Debit Rate 0%
Apple Pay Cash Credit Rate 3%
Apple Pay Cash Transaction Limit $3,000
Apple Pay Cash Monthly Limit $10,000
Merchant Fee 0%

Simple To Use

Apple Pay is recognized for its straightforward transaction process among smartphone mobile wallets. Customers hold their phone near an NFC-compatible terminal, use a finger to authenticate via the iPhone’s home button as prompted, and complete the transaction in just a few moments without needing to unlock the phone, choose a card, enter a PIN, or input card details. For debit transactions, Apple Pay charges no fees, but a fee of 3% is applied to credit card purchases.

Touch ID Feature

The convenience of Apple Pay is significantly enhanced by the iPhone’s Touch ID, which confirms the user’s identity through a preauthorized fingerprint. This feature ensures that Apple Pay cannot process payments unless the device is held by the authorized user. Users can designate a default card for transactions, allowing the iPhone to automatically communicate with any NFC-enabled payment terminal securely, as no transactions will proceed without fingerprint authentication.

Secure Apple Watch Use

For Apple Watch, payments are enabled by double-pressing the side button and bringing the watch close to a contactless terminal until the payment completes. Initially, users are asked to create a PIN for Apple Pay access. The PIN must be entered each time the watch is worn after being removed to secure the app against unauthorized access, reducing the frequency of PIN requests.

Widely Compatible

Apple Pay works with nearly all major card issuers, including American Express, Bank of America, Capital One, Chase, Wells Fargo, Citibank, Barclaycard, Navy Federal Credit Union, PNC, USAA, and US Bank. It also supports many regional banks and credit unions (full list available here). However, not all card-issuing banks are currently compatible with Apple Pay.

Loyalty Card Integration

Apple Pay now supports loyalty card integration for several retailers, such as JCPenny, Walgreens, and various restaurants, through the Apple Wallet. This feature allows users to store and use their loyalty cards on their phones, with Apple Pay automatically applying any discounts associated with these cards at participating merchants.

Solid Security Measures

Apple Pay’s security requires either the authorized user’s fingerprint or a PIN for transaction processing, preventing unauthorized use. In case of theft, Apple Pay allows for the remote deactivation of user accounts to prevent unauthorized in-app or online purchases. This level of security is consistent with some of the top-ranked merchant service providers for fraud prevention.

Tokenized System

If a user’s phone is accessed by an unauthorized individual, the credit card information remains secure since Apple Pay does not store the actual card data on the device. Instead, it uses tokenization, converting each card’s data into a meaningless sequence that can only be decrypted by Apple and the card networks. This ensures that intercepted tokens cannot be used fraudulently.

Apple has stated that it does not save or share users’ transaction information, a claim that underscores its commitment to user privacy.

Apple Pay security
Apple Pay’s advanced tokenization enhances payment security.

Apple Pay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

Straightforward Free Service

Apple markets Apple Pay as a free service for anyone with a compatible iPhone. Apple Pay comes pre-installed on compatible Apple devices, but users will need to add their payment details to the app in order to activate it. The service is free for iPhone users, so it doesn’t even seem possible for Apple to somehow misrepresent its costs in its advertising. This compares favorably in its category to our list of best credit card processors.

The Next Generation of Payment Processing

Like all other products that Apple offers, the company predicates its marketing of this service on its innovative nature. Cut from the cloth of its typical “the future is now” marketing approach, Apple Pay is marketed as a method for payment processing that is already becoming ubiquitous, making traditional merchant accounts all but obsolete. The service is beneficial for merchants who are not charged a fee for debit transactions while credit card payments are charged a flat rate of only 3%. One component of the service is its reliance on NFC technology which allows customers to use their iPhones to process payments. This requires merchants to use payment processing terminals that are NFC compatible, though Apple Pay does not provide that hardware to merchants at this time.

Our Apple Pay Review Summary

Our Final Thoughts

Apple Pay may not be the most universally compatible or innovative mobile wallet available, but it holds a unique position as the first mobile wallet to rival actual credit cards in terms of convenience and security. Its seamless integration with Apple’s ecosystem and robust security features, such as biometric authentication and tokenization, provide a level of trust and ease of use that appeals to a wide range of consumers. While Apple Pay may not currently outpace other mobile money transfer apps in terms of flexibility and features, its sleek design and widespread adoption position it favorably within the competitive landscape of mobile payments.

As the market for mobile wallets continues to evolve, Apple Pay’s prominence is likely to grow, especially as more merchants and financial institutions adopt the technology. Its potential for further innovation and increased compatibility makes it a noteworthy player to watch. We will continue to update this review as more information and developments become available, ensuring that our assessment reflects the latest advancements and trends in the mobile payments arena.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Apple Pay Treat You?

23 User Reviews

  • Tracy Hall


    The most RIDICULOUS customer service I’ve ever encountered! After noticing that my package was delivered to someone I sent a gift to five years prior, I contacted Apple support. Asking them to correct the problem! That was two months ago. Yesterday, I placed an order only to have the SAME ISSUE happen again. I had no choice but to cancel it. Contacted Apple Support again. Same thing. Transferred me over and over again. I finally invoked my rights and asked for the Agent of Service and the Legal Department. Instead they made a phone appointment which I specifically said NO to. They called anyway. At 6:00 AM! Immediately placed on hold for ten minutes and disconnected. Apple support again. Transfers again. Request for Agent and Legal Department again, denied again. I’m positive that now this is sick amusement at my expense. Litigation seems like the only option at this point. Any other options would be appreciated. Maybe I should call the CEO while he’s asleep so he knows how it feels

  • jason


    I double-clicked my apple pay to pay £15.19 then the screen froze, later I found they took an additional £6.99 & another £13.99. I only double-clicked my apple pay once when it said £15.19 they (mad muscles app)then took all this extra without me asking for or authorising the transaction.
    mad muscles are only in it for the money and don’t care about customers I understand that but how does apple pay let this happen

  • Kelly

    No wonder Tim Cook is so rich, ripping people off like they do. My grandson wanted something to do with a game and as it was just a couple of bucks I said ok. When I checked my account Apple had taken about 50 bucks total out of my account for an additional 3 other charges. I contacted Apple and requested my money back but they kept it anyway. Crooks!

  • Nancy Ronk

    Apple wallet/pay is a joke. Used it for 1st time several transactions they locked the account with my money in it. Get the round about every time I call. Told different things. Told to they not gonna give me my money back $653.70. Said when account goes dormant in 2 to 5 years will send to my state’s treasurer and I would have to get my money from the state treasurer. I’m on a fixed income and for them to not give me my money back has devasted us. And they don’t care Each person says sorry nothing they can do. Big scam artists

  • jimmie canabera

    Cancelled when I began to see a lot of unauthorized charges to my credit card for Grand Harvest Solitaire game I had played for years. I would now and then buy coins but not what was being charged so cancelled Apple Pay entirely.

  • Sandra

    Do not use. I was on a dating app going through some chats when an ad popped up. I tried swiping away the app, which did not work. So I went to close the entire window and when I did that it scanned my finger print and purchased a $130 of some sort of credits. Who would spend that kind of money on a dating app! I contacted them twice about the situation and they would not give a refund. Disappointing. I will never purchase another Apple product in my life. I am now an android girl!

  • Johnny Long

    Apple are thieves. They claim I owe them $14. They locked me out now of getting free apps like games etc. until I pay them $14 they say I owe. I have now left my 4 iPhones and 1 iPad to move over to android and Google play.

    • John Doe

      -Ditto- some sorts. Returned Apple merchandise due to misleading information by Apple Card which got the full refund, immediately. Weeks later, GS Bank sent me a payment notice for $40.00. Have no clue what is it for?
      My credit history has been threatened…Contacting Apple Support, as well as, Government Consumer Protection Agencies with no avail, as they act as business-not consumer- protection. For some reason, Apple Card now continues their harassment to pay-only-$38.00 !

      I was an avid Apple products, Now, I’m pissed off !!! Peace Man…!

  • Gary Walker Jackson

    A potential client approached me about the drop in his credit score. It happened after he had accepted a solicitation from ApplePay/Goldman Sachs about receiving a credit card with a “soft” inquiry. He was approved, and then the inquiry became “hard,” which showed up on his credit report and brought his score down several points. Is there some way to stop this scam?

  • Naomi

    I wish I read these reviews BEFORE I was scammed by Apple Pay. I was a
    New user and suddenly I saw -$1,700 on the Apple Cash card I never used! When I contacted Apple Customer Service to resolve this issue they totally blew me off! I called 4 times and even talked to a “specialist.” Absolutely USELESS!!! As it stands now (after months of trying to get this resolved) my Apple Cash card still shows -$1,700!!!! Very Scary Scam Apple Pay is running!!!

  • Karen Champ

    Don’t use Apple Card. I couldn’t get Apple support to tell me what a charge was for so I closed the card. I used another VISA to pay monthly charges with Apple. Apple’s bank reported that I failed to pay $13 (which was paid on the Visa) and my credit score dropped!!!! I have written to credit agency and Apple’s bank and am being ignored. I still have $30.25 Apple cash that I cannot get transferred to my bank. I called Apple support and zero help. Frustrating. Stick with the conventional charge card companies that will resolve issues — Apple Card sucks.

  • David Burke

    My iPhone 6S Plus broke and I took it to the Apple Store and they informed me that it could not be repaired. I asked the employee what he recommends which he did and I might add he did a terrible job. I applied to pay for the phone by the opening a new account with Apple Pay and it was approved. I did this because I wanted to pay in installments. To make a long story short when I got home I quickly found out that this phone wold not meet my needs. I went back to the store and got a phone that was adequate. They punched the new numbers for the phone in which as more expensive. When I looked at my account on Apple Pay and their appeared to be several discrepancies. so I called their call center. The people at the call center could not answer my questions, I then found a another big discrepancy and called back to the call center who appeared to be extremely inexperience. I got so discussed because I couldn’t get any answers. I finally asked him what it would take to completely pay off the debt. All least he could do that. I then told him to cancel my account immediately. It appears to me that this is a shoddy company and I will not deal with this kind of company.

  • Louis P

    Apple Pay doesn’t offer any support for any transactions made with Apple Pay or An Apple Cash card. I was recently scammed and after over an hour online I was told to go to my local law enforcement authorities to file a complaint, that there was no way of disputing the transaction, although the other party must have had a bank or some sort of financial account linked to their apply pay account they were unable to reach out to them to assist me in retrieving my funds. So using Apple Pay is not safe, be careful when using your Apple Pay Apple Cash card it’s any of form of payment methods affiliated with Apple, they will not support, or assist you if you have any issues.

  • ralph conner

    I have discontinued the use of all apple pay functions. Recently, I tried two different apps. Both offered free trials. I cancelled both within the free trial period and APPLE PAY charged me for both. I have sent multiple emails to APPLE. Somehow this communications technology company has not replied. I am directing my staff to also discontinue the use of APPLE PAY and APPLE WALLET. If APPLE can not or will not resolve improper charges, why would anyone do business with such an organization.

  • Jack

    Contrary to Apple’s claim that they value their customer’s privacy, they give your email address to each and every merchant you do business with. This includes both Apple Pay and Apple Card.

    It doesn’t matter whether you give the merchant a different email, Apple will always give them the one you have on file with Apple. You don’t have a choice in the matter. You may not opt out of giving a merchant your Apple email address. Apple makes that decision for you.

    As for Apple Card, you cannot receive a paper statement. You may not review your transactions online or see your statement on the large screen of your computer or iPad. You may only see it on your iPhone. That’s it! Should your iPhone be lost, stolen, broken, etc,, you’re screwed!

    I will never again trust Apple with my personal information, and I’ll never again use Apple Pay.

  • Melanie

    Two women I know have been scammed through using Apple Pay, they sent money and never received what they had bought.

    Apple Pay doesn’t offer any protection for the buyer/individual at all.

    Do NOT use Apple Pay.

    600 dollars in 2 days from the two women I know of. God knows how many more they have scammed through using Apple Pay.

    This post will help: Best Mobile Payment Processing Apps


  • Kris

    The app is crap. You aren’t protected. If you know something I don’t, help me recover the $1850 that was taken from me. You can take people’s money. Apple Pay, your bank and the police will do nothing for you.

    From The Editor
    This Post Might Help: NFC Definition

    • Helen Pohl

      Happened to me on 10-30-19. Attempted to make a partial payment and every time it rejected it and filled in full amount owed. Couldn’t go back to retry partial payment,, accidentally touched my home button and the whole amount payment was processed. Immediately contacted customer service who refused to cancel.

  • Roger

    Horrible. Falling apart like the company. All my cards got declined and was stuck with only the phone. :(. Bad on me for trusting a apple. They will not even answer the phone. The credit card company’s did. :(. Embarrassing for me owning Apple for years. Do you not trust Apple Pay. And do not leave the house without your cards. In this able all your Apple Pay from all the different places automatically take from your credit cards every month. Because are all being declined. And then to find out the Apple can’t even answer the phone at night with all the billions of dollars they can’t hire somebody for minimum wage answer her damn phone

  • Debbie I

    Run! Do not get hooked into Apple Pay with Global Payments stl. Robbery! Since May of 2015 I have asked them over a dozen times in writing and over the phone to close my account to no avail. They have refused over and over to honor my request. They always tell me a supervisor will contact me within three business days but that has yet to happen. Now they keep fraudulently charging my account even though they promise me every time I call that they won’t charge my card. “Ma’am, I assure you we won’t charge your account again” has been told to me on five or six separate occasions but still they keep taking my money every single month and today they tried to steal another $295. from me!!!!!!!!! The last conversation I had with them they promised to have a supervisor to call me and officially close my account. That was weeks ago. Bad, bad business. I am going to write as many reviews possible on Apple and Global Systems to spread the word. I can’t afford this. I put a stop payment on these frauds and they changed the name of their company to try and get my money on the sly. Fortunately I was able to get that money back thanks to my awesome bank! Beware folks! Beware!

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