Apple Pay Statistics 2026: Users, Market Share, Fraud and Fees

Apple Pay accounts for only 10% of eligible in-person purchases and under 5% of transactions overall, according to a PYMNTS Intelligence survey of US consumers. Even so, its total sales volume grew to $450 billion from $268 billion. Apple Pay is available in more than 90 countries and regions, and works with more than 11,000 bank and network partners worldwide. Taken together, these Apple Pay statistics show reach running well ahead of habit.

A federal judge certified a class of payment card issuers in the antitrust case over Apple Pay fees. In the UK, about 58% of UK adults used mobile payments at least once a month in 2025, a sign of where US checkout habits could head next.

Key Takeaways

• In the US, PYMNTS Intelligence reports 85% of merchants accept Apple Pay, and almost 60% of consumers use iPhones, yet among US shoppers with an eligible phone buying at an eligible merchant, the share who used Apple Pay for their last in-store transaction rose from 8.9% to 10.2%.
• Google Pay’s US in-store use rose to 8.9% from 3.5% a year earlier, while PayPal reached 12.8% from 7.3%, against Apple Pay at 15.9% among US consumers.
• 31% of US shoppers now use mobile wallets in stores weekly, compared with 14% in August 2024.
• Apple charges US card issuers 15 basis points on credit and 0.5 cents on debit for all Apple Pay transactions, according to the issuers’ lawyers at Hagens Berman.
• Over the past year, Apple Pay eliminated well over $1 billion in fraud globally and generated more than $100 billion in incremental merchant sales globally, according to Apple and industry data.
• Approximately 37.6 million UK consumers, more than six in ten adults, were registered to use at least one mobile wallet service in 2025, according to UK Finance.

Editor’s Choice

• Total sales volume: $450 billion, up from $268 billion.
• Countries and regions: more than 90.
• Bank and network partners: more than 11,000 worldwide.
• US retailer acceptance: Apple Pay is available at 90% of retailers in the United States.
• Fraud reduction: Apple Pay can reduce fraud levels by over 60% compared with traditional credit and debit card transactions.
• Apps using Apple payment technology: Over 680,000 apps employ Apple’s secure payment technologies.

Apple Pay Statistics at a Glance

• In its January 12, 2026 services review, Apple said Apple Pay was available in 89 markets, with more than 11,000 banks and network partners, including more than 20 local payment networks.
• By September 30, 2026, Apple Pay was available in more than 90 countries and regions.
• Apple Pay’s total sales volume grew to $450 billion from $268 billion, an increase of about 67.9%.
• Apple Wallet provides hundreds of millions of users around the globe with access to Apple Pay and other tools. Apple has not published a firmer user count, so iPhone ownership figures remain the usual proxy for the wallet’s reach.
• Apple Pay in-store usage among US consumers has doubled over the past year, while mobile wallet use overall has more than doubled.
• During the peak holiday shopping weekend, purchases made through Apple Pay significantly outpaced the overall growth in consumer spending levels.

Source: Apple 2026, PYMNTS Intelligence 2025

About This Data

• Sources: 17, including 7 Apple press releases and SEC filings, 4 PYMNTS Intelligence reports and articles, 2 UK Finance publications, 2 central bank surveys from the ECB and the Federal Reserve, 1 law-firm press release and 1 court order.
• Publication window: 2024 to 2026-09.
• Selection: only company-published, official, court- or survey-based figures qualify.
• Updates: reviewed on a rolling basis and updated when sources publish new editions.

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How many people use Apple Pay?

Apple does not publish a precise count. Apple Wallet provides hundreds of millions of users around the globe with access to Apple Pay, and in the US, 16% of consumers reported using Apple Pay in stores in the last week, double the 8% share from 2024. Weekly use is the better yardstick than installs.

Apple Pay vs Google Pay, PayPal and Cash App In Stores

• Apple Pay remains ahead at 15.9% in-store use, the headline figure in the chart below.
• Google Pay’s in-store use rose to 8.9% from 3.5% a year earlier, roughly 2.5 times its earlier level.
• PayPal reached 12.8% from 7.3%, and Cash App reached 10% from 5.9%.
• Google Pay usage more than doubled, while PayPal and Cash App both nearly doubled their in-store usage over the same period.
• Apple Pay led this growth, with 16% of consumers reporting they used the service in stores in the last week, double the 8% share from 2024.
• The figures come from a survey of 3,339 U.S. consumers fielded by PYMNTS Intelligence. Peer-to-peer apps built their checkout habits elsewhere first, as the Venmo and Cash App comparison details.

Recent Developments

• September 30, 2026: Apple Pay launched in India, where customers with Axis Bank-issued Visa and Mastercard credit cards can add their cards to Apple Pay, per Apple’s India launch announcement.
• September 23, 2026: U.S. District Judge Jeffrey S. White certified a class of payment card issuers and denied Apple’s motion to exclude expert testimony in the Apple Pay fee case.
• August 4, 2026: Apple Pay launched in the Philippines, and Maya Business will begin enabling Apple Pay for over 5,000 online merchants.
• July 30, 2026: Apple reported Services net sales of $30,739 million for its fiscal 2026 third quarter ended June 27, 2026, up from $27,423 million a year earlier.
• May 20, 2026: Apple prevented more than $2.2 billion in fraudulent transactions and stopped more than 5.4 million stolen credit cards from being used last year, per its App Store fraud report.

Apple Pay Share of US In-Store Purchases

• Apple Pay accounts for only 10% of eligible in-person purchases and under 5% of transactions overall.
• Among US shoppers with an eligible phone buying at an eligible merchant, the share who reported using Apple Pay for their last in-store transaction increased from 8.9% to 10.2%.
• Nearly half of millennials reported using a mobile wallet in a store in the last week, up 112% from last year.
• Only 7.9% of baby boomers used mobile wallets in the last week, but this figure marks a 147% increase from 2024.
• The PYMNTS Intelligence survey covered 3,339 U.S. consumers from Aug. 14, 2025, to Sept. 22, 2025.

Source: PYMNTS Intelligence 2025

What percentage of people use Apple Pay?

16% of US consumers reported using Apple Pay in stores in the last week. 10.2% of US shoppers with an eligible phone at an eligible merchant used Apple Pay for their last in-store transaction.

Mobile Wallets vs Cash at US Checkouts

• Between 2022 and 2025, the share of consumers who made their most recent in-store payment using digital wallets rose from 0.9% to 11.8%.
• Cash usage fell from 17.6% to 12.1% over the same period, leaving wallets close behind cash in the chart below.
• Between 2023 and 2025, the share of consumers who used digital wallets for their last in-store transaction funded by digital balances rose from 1.0% to 3.7%.
• For about 1 in 7 payments, consumers still pay with cash, with credit and debit cards accounting for two-thirds of all payments, according to the Federal Reserve’s 2026 Diary of Consumer Payment Choice.
• 38% of consumers prefer using credit cards in person, compared with 24% in 2016, nearly equal to the 40% who prefer debit.

Why are people not using Apple Pay?

Most shoppers still default to plastic. Physical cards still dominate how consumers pay. Credit and debit cards account for two-thirds of all payments in the Federal Reserve’s diary data. A wallet that sits on top of a card has to beat the card itself on habit, a pattern the wider digital wallet statistics also track.

Apple Pay Countries and Bank Partners

• In October 2025, Apple Pay was live in 89 markets around the world and supported by more than 11,000 banks and networks.
• Apple’s January 2026 count included more than 20 local payment networks among its bank and network partners.
• Apple Pay was available in more than 90 countries and regions and worked with more than 11,000 bank partners worldwide at its Philippines launch.
• Apple worked with payment service providers including BillDesk, Cashfree, Juspay, Mswipe, Paytm, PayU, Pine Labs and Razorpay to bring Apple Pay to their merchant networks in India.

Apple Pay India and Philippines Launch Statistics

• Customers with Axis Bank-issued Visa and Mastercard credit cards can use Apple Pay at thousands of in-store and online merchants across India, as well as anywhere that accepts NFC transactions.
• Apple Pay in India works in stores, in apps, and on the web without the need to type in PINs or use OTPs at checkout.
• At launch, credit and debit cardholders from banks including Chinabank, GoTyme Bank, Metrobank, and UnionBank were able to use Apple Pay in the Philippines.
• Thousands of in-store and online merchants in the Philippines accept Apple Pay across major credit and debit networks.
• Maya Business, a payment processor in the Philippines, will begin enabling Apple Pay for over 5,000 online merchants.

Source: Apple Newsroom 2026

Apple Pay Fraud Prevention Statistics

• According to Apple data, as well as industry data, over the past year, Apple Pay has eliminated well over $1 billion in fraud globally.
• Apple Pay has shown it can reduce fraud levels by over 60% compared to traditional credit and debit card transactions.
• When consumers make a purchase with Apple Pay or StoreKit, their payment information is protected by encryption.
• Apple banned nearly 2 million user accounts from transacting again in its App Store fraud figures. Card-not-present losses, the other side of this picture, are tracked in online payment fraud data.

Source: Apple 2026, PYMNTS 2025

Key finding: Over the past year, Apple Pay has eliminated over $1 billion in fraud and generated over $100 billion in incremental merchant sales by delivering higher authorization rates and greater cardholder engagement, according to data from Apple, Apple Pay partners and industry sources. Tokenized payments help reduce fraud exposure, though no method removes it, and these figures come from Apple and its partners.

Apple Pay Fees and the Issuer Antitrust Case

• Via Apple Pay, Apple charges U.S. card issuers 15 basis points on credit and 0.5 cents on debit for all transactions.
• The certified class includes all U.S. entities that issued any payment card enabled for Apple Pay and paid Apple a fee for Apple Pay transactions on that payment card.
• The court order, filed 09/23/26, grants the motion for class certification and denies the motion to exclude the expert testimony.

Source: Hagens Berman 2026, court order of September 23, 2026

How much does Apple Pay take out of $1000?

Take a $1,000 Apple Pay credit purchase as an example. The card issuer’s 15 basis point fee on it comes to $1.50. Debit transactions carry a 0.5-cent fee. These figures are what issuers say they pay; the shopper’s checkout total does not show them.

Apple Services Net Sales

• Apple reported Services net sales of $30,739 million for the three months ended June 27, 2026, against $27,423 million a year earlier, a gain of about 12.1%.
• Services net sales reached $91,728 million for the nine months ended June 27, 2026, up from $80,408 million.
• Services net sales were $30,976 million for the three months ended March 28, 2026, compared with $26,645 million.
• Services net sales were $30,013 million for the three months ended December 27, 2025, compared with $26,340 million.
• Apple posted quarterly revenue of $109.4 billion, up 16% year over year, in its fiscal 2026 third quarter.
• Apple’s condensed statements of operations report net sales on two lines, Products and Services. The full Apple revenue and segment breakdown sets that line next to iPhone and Mac.

Apple Wallet Transit, Keys and Digital ID Statistics

• Apple Wallet can now be used for transit in 250 regions and 800 cities, the first row in the table below.
• ID in Wallet is now live in 13 U.S. states and Puerto Rico, up from 12 U.S. states and Puerto Rico in October 2025.
• State IDs and driver’s licenses in Wallet were enabled last year by Illinois, Montana, North Dakota and West Virginia.
• Apple introduced support for Japan’s My Number Card on iPhone, the first international ID in Wallet, and in the U.S., its Digital ID lets users add a Digital ID to Apple Wallet using information from a U.S. passport, starting with TSA airport security checkpoints for domestic travel.
• Tap to Pay on iPhone is live in a total of 50 markets, with more than 15 million merchants across the world accepting contactless payments using just an iPhone.

Source: Apple 2026, PYMNTS 2025

UK Mobile Wallet Registration by Age

• In 2025, approximately 37.6 million consumers, more than six in ten in the adult population, were registered to use at least one mobile wallet service and 58% used mobile payments at least once a month.
• 89% of 25-34 year olds were registered to use mobile payments in 2025, against 29% of those aged 65 and over, as the chart below shows.
• Over half of UK adults (57%) used mobile wallets in 2024, up from 42% in 2023.
• Among those aged 65 and over, registration rose from 14% in 2023 to 25% in 2024.
• UK Finance market research found that younger people are more likely than older people to use mobile payment services such as Apple Pay or Google Pay. Phone-first habits in UK and global mobile banking form the backdrop to this wallet uptake.

By the numbers: Of those who used mobile payments in 2024, half used them monthly, and 44% weekly or more often, according to UK Finance.

UK Contactless and Cash Share of Payments

• Contactless cards accounted for 39% of all UK payments in 2025, up from 3% in 2015, as the chart below shows.
• Contactless debit and credit card payments totalled 19.2 billion in 2025, but growth has slowed compared with the previous decade as the market has matured.
• Cash fell to 8% of all payments in 2025, from 45% in 2015.
• By 2035, contactless payments are expected to be 41% of all payments, accounting for 26 billion payments.
• Cash use is expected to decline to only 4% of all UK payments in 2035, or 2 billion transactions.

Mobile Payments in the Euro Area

• The share of point-of-sale payments made with mobile devices in the euro area remained quite low at 6% in 2024 but has almost doubled compared with 2022.
• In terms of value, the share of payments made with mobile devices increased from 4% to 7%.
• Payments with mobile devices accounted for more than 10% of POS transactions in the Netherlands, Finland and Ireland, and less than 5% in seven euro area countries.
• Cards were the most frequently used instrument for online payments, and the share of e-payment solutions, meaning payment wallets and mobile apps, was 29%.
• The ECB survey reached a total sample of 40,981 respondents in 18 euro area countries.

Cash was used for 52% of point-of-sale payments in the euro area in 2024, down from 59% in 2022, 72% in 2019 and 79% in 2016.

Worth noting: In terms of payment value, card payments accounted for a larger share (45%) of point-of-sale transactions than cash payments (39%) in the ECB’s 2024 study. Euro area shoppers still pick cash for small purchases, so wallet growth there depends on low-value tap payments more than on larger baskets.

Is there a downside to paying with Apple Pay?

The main limits are coverage and cost. In India, Apple Pay launched for customers with Axis Bank-issued Visa and Mastercard credit cards.

Apple charges U.S. card issuers 15 basis points on credit and 0.5 cents on debit for all transactions, a cost the issuers are contesting in court. Shoppers also need an Apple device, which limits in-store payments to iPhone and Apple Watch owners, a split covered in iPhone versus Android market data.

Conclusion

Apple Pay’s total sales volume grew to $450 billion from $268 billion, yet it accounts for just 10% of eligible US in-store purchases. Habit is now the main constraint. Apple’s customer loyalty gives the wallet a head start, but rival wallets are gaining on the same habit Apple helped build.

In India, customers with Axis Bank-issued Visa and Mastercard credit cards can add their cards to Apple Pay, and the certified class includes all U.S. entities that issued any payment card enabled for Apple Pay and paid Apple a fee for Apple Pay transactions on that payment card. Both will shape how many people tap and how much of each tap Apple keeps.