Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Apple Pay statistics

Research and facts for Apple Pay in the US including users, transactions and retailer adoption.

Elizabeth Barry's headshot

By

Elizabeth Barry

Edited by

Melanie Huddart

Updated

Fact checked

What is Apple Pay?

Apple Pay is Apple’s mobile payment service, allowing you to make contactless payments with an Apple device such as an iPhone or Apple Watch. Link your credit card, debit card or bank account in the app, choose your payment method and tap your device to pay.

Use Apple Pay at millions of in-store and online locations where merchants accept contactless payments — or Apple Pay if the purchase is online.

Key statistics

  • Apple Pay was launched in the US on September 9, 2014.
  • There are 507 million Apple Pay users worldwide.
  • The US comes second only to the UK for Apple Pay adoption.
  • Over 85% of retailers in the US accept Apple Pay.

Number of Apple Pay users globally

  • 48% of iPhone owners use Apple Pay globally.
  • Worldwide, Apple Pay had 507 million users as of September 2020.
  • Global Apple Pay users grew by 65 million between 2019 and 2020.
YearGlobal users
201667 million
2017137 million
2018292 million
2019441 million
2020507 million

Contactless payment uptake is slow, but Apple Pay is the go-to choice

  • Contactless transactions only represented 6% of debit card transactions in 2022.
  • In 2021, Apple Pay represented 88% of mobile wallet transaction volume.

Apple Pay is on US phones, but usage is still low

  • The US is second only behind the UK in Apple Pay adoption out of 17 countries ranked for adoption rates globally.
  • However, 93.9% of American consumers with Apple Pay activated on their phones don’t use it in-store to pay for purchases.
  • An analysis found that Apple Pay had the potential to facilitate $889 billion in brick-and-mortar sales in 2020, but it was only used for $64.8 billion worth of sales.
UsersPercentage
Do not use in-store93.9%
Use in-store6.1%

How Americans use Apple Pay

  • Five out of 10 Americans said they had used Apple Pay in a store or restaurant between August 2020 and August 2021.
  • Two out of 10 Americans said they had used Apple Pay while online shopping between August 2020 and August 2021.
  • As of 2020, 28% of America’s top 100 retailers offer Apple Pay on desktop.
  • 39% of the top 100 retailers offered Apple Pay on mobile in 2020.
  • 43% of the top 100 retailers offer Apple Pay on their apps in 2020.
YearDesktopMobileApps
20179%13%22%
201814%24%24%
201923%28%36%
202028%39%43%

Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.

Name Product USFMT Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX International Money Transfers (Business)
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Go to siteView details
Xe
Xe
Within minutes
From $0
Xe has fast transfers with low fees and a range of foreign currency tools.
Go to siteView details
MoneyGram
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Go to siteView details
Instarem
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
Go to siteView details
Xe Money Transfer for Business
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Go to siteView details
Remitly
Remitly
Within minutes
From $0
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to siteView details
CurrencyTransfer
CurrencyTransfer
24 hours
$0
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Go to siteView details
WorldRemit - 4free
WorldRemit - 4free
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
View details
OFX
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Go to siteView details
PayPal (business)
PayPal (business)
Within minutes
$0
Provides business solutions for small business owners in over 24 currencies worldwide. Try 3 months free of Spotify Premium when you sign up with PayPal.
Go to siteView details
Wise (TransferWise) International Money Transfers Business
Wise (TransferWise) International Money Transfers Business
Within minutes
From $8.16
Enjoy high maximum transfers into more than 40 currencies, while saving up to 90% over local banks.
Go to siteView details
Wise (TransferWise)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Go to siteView details
Wise (TransferWise)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Go to siteView details
CurrencyTransfer for Business
CurrencyTransfer for Business
24 hours
$0
Increase business efficiency with zero transaction fees and same-day transfers.
Go to siteView details
WorldRemit
WorldRemit
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
View details
CurrencyFair
CurrencyFair
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to siteView details
OFX
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Go to siteView details
CurrencyFair
CurrencyFair
24 hours
€3
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to siteView details
Remitly
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to siteView details
Remitly
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to siteView details
Remitly
Remitly
Within minutes
From $0
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to siteView details
PayPal
PayPal
Within minutes
From $0
Use PayPal to safely send money and receive payments from around the world in over 25 currencies with just an email address or mobile number. Try 3 months free of Spotify Premium when you sign up with PayPal.
Go to siteView details
Xe
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
Go to siteView details
loading

Are you visiting from outside the US?

Select an option to continue

Melanie Huddart's headshot
To make sure you get accurate and helpful information, this guide has been edited by Melanie Huddart as part of our fact-checking process.
Elizabeth Barry's headshot
Lead editor

Elizabeth Barry is Digital Managing Editor for Entertainment at Are Media and formerly the lead editor for Finder's global financial niches which includes banking, crypto and investments. She has written about finance for 10 years and is regularly featured in a range of publications and media including Seven News, the ABC, MSN, the Irish Times and Singapore Business Review. See full bio

Elizabeth's expertise
Elizabeth has written 2 Finder guides across topics including:
  • Banking
  • Personal finance
  • Crypto banking
  • Investing
More resources on Finder

More guides on Finder

Ask a question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site