Apple Pay Statistics 2026: Sales, Markets, Fraud Data

Apple Pay processed an estimated $450 billion in annual in-store sales volume on its 11th anniversary, according to PYMNTS Intelligence research, up from an estimated $268 billion in 2024. The service is now live in 89 markets and supported by more than 11,000 banks and networks worldwide, with about 90% of U.S. retailers accepting it.

That scale makes Apple Pay one of the most widely available payment instruments in global e-commerce. The harder question is whether merchant acceptance still translates into transactions, and as the data below shows, the gap between availability and habit is the most interesting story in mobile payments today.

Key Takeaways

• Apple Pay’s share of eligible U.S. in-store transactions reached 10.2% in 2025, up from 8.9% the prior year, even though acceptance is near-universal at U.S. retail.
• Weekly in-store digital wallet usage more than doubled year over year, with over 30% of consumers using a wallet in-store weekly compared to 14% the previous year.
• Apple Pay eliminated more than $1 billion in fraud over the past year and runs a fraud rate roughly 60% lower than traditional credit and debit card transactions, per Apple.
• UK Finance reports 57% of UK adults were registered for mobile wallets in 2024, a sharp increase from the 42% recorded in 2023.
• In the U.S., adults aged 18 to 24 used phones for 45% of all payments in 2024, per the Federal Reserve 2025 Diary of Consumer Payment Choice.
• Apple Wallet’s digital ID feature is now live in 12 U.S. states plus Puerto Rico, with Japan’s My Number Card marking international expansion.
• Tap to Pay on iPhone is operational in 48 markets and supported by 15 million merchants, turning iPhones into merchant terminals at scale.

Editor’s Choice

• Annual in-store sales volume: approximately $450 billion (PYMNTS Intelligence, 11-year mark).
• Apple Pay drove more than $100 billion in incremental merchant sales over the past year through higher authorization rates and engagement, per Apple.
• Apple Pay holds an estimated 14.22% share of the online payments market in 2025, with PayPal at 47.43% and Stripe at 8.09%, per PYMNTS Intelligence.
• Roughly 54% of U.S. in-store mobile wallet taps in 2024 carried the Apple Pay logo, with Google Pay at 30.1%.
• Apple’s installed base exceeds more than 2.5 billion active devices worldwide, the addressable hardware base for Apple Pay.
• U.S. consumers made an average of 11 mobile-phone payments per month in 2024, up from 4 payments per month in 2018 (Federal Reserve).
• The Euro area online wallet share, including PayPal and Apple Pay, reached 29% of online transactions in 2024 (up from 26% in 2022) across an n=50,000 consumer survey, per ECB SPACE.

Recent Developments

• January 2026: Apple reported quarterly revenue of $143.8 billion, up 16% year over year, with Services revenue setting an all-time record, up 14% from a year ago in Q1 FY2026.
• October 2025: Apple marked Apple Pay’s 11th anniversary with more than $1 billion in fraud eliminated over the past year, and Tap to Pay on iPhone reached 48 markets.
• October 2025: Apple Pay Services revenue reached a new all-time high during the September 2025 quarter as Apple closed FY2025 at $416 billion in total revenue.
• October 2025: UK Finance’s Payment Markets 2025 report found 50% of UK adults used mobile contactless at least once a month in 2024, the first time regular mobile payment users reached half of the adult population.
• May 2025: The Federal Reserve published its 2025 Diary of Consumer Payment Choice, showing 11 average monthly mobile-phone payments in 2024 versus 4 in 2018.
• December 2024: The European Central Bank’s SPACE 2024 study found e-payment solutions reached 38% of small-value online purchases below five euros across the euro area.

Apple Pay Global Users and Market Reach

• Apple Pay is live in 89 markets and supported by more than 11,000 banks and networks worldwide, per Apple’s October 2025 update.
• Apple’s installed base reached more than 2.5 billion active devices in Q1 FY2026, providing the hardware reach for Apple Pay.
• Nearly 60% of U.S. consumers own an iPhone, the addressable base for Apple Pay in its largest market and a key driver of Apple customer loyalty data, per PYMNTS Intelligence.
• About 90% of U.S. retailers accept Apple Pay, with terminal coverage near-universal at large chains, per Apple.
• Apple Services revenue reached a new all-time high during the September 2025 quarter and rose 14% year over year in Q1 FY2026.
• Wallet ecosystem features (transit, Car Key, hotel keys, digital ID) extend the active footprint beyond payments alone.

Source: Apple, PYMNTS Intelligence

By the numbers: Apple Pay reaches 89 markets and more than 11,000 banks and networks worldwide, with about 90% U.S. retailer acceptance, while Apple’s more than 2.5 billion active devices form the addressable hardware base, per Apple’s October 2025 figures and Q1 FY2026 earnings.

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Apple Pay Annual Transaction Volume and Sales

• Annual in-store sales volume reached an estimated $450 billion in 2025, up from an estimated $268 billion in 2024, per PYMNTS Intelligence at the 11-year mark.
• Apple Pay’s share of eligible in-store transactions hit 10.2% in 2025, up from 8.9% the prior year.
• Weekly in-store digital wallet use more than doubled year over year, with over 30% of consumers using a wallet weekly compared to 14% the prior year.
• Between 2022 and 2025, the share of consumers whose most recent in-store payment used a digital wallet rose from 0.9% to 11.8%, putting digital wallets nearly equal to cash at 12.1%.
• Digital balance payments (stored value rather than card pass-through) rose from 1.0% to 3.7% of in-store transactions between 2023 and 2025.
• Apple Pay drove more than $100 billion in incremental merchant sales over the past year through higher authorization rates, per Apple.

Source: PYMNTS Intelligence, Apple

Apple Pay US Market Share and Adoption

• Apple Pay accounts for 49% of US mobile wallet users, the single largest share of the U.S. wallet user base, per PYMNTS Intelligence.
• Roughly 54% of U.S. in-store mobile wallet taps in 2024 carried the Apple Pay logo, with Google Pay at 30.1%.
• Apple Pay processes approximately 14.2% of online consumer payments in the U.S., per PYMNTS Intelligence.
• Even with about 85% of U.S. merchants accepting Apple Pay and nearly 60% of consumers owning an iPhone, the wallet accounts for less than 5% of total transactions overall.
• U.S. consumers made an average of 11 mobile-phone payments per month in 2024, up from 4 in 2018 (Federal Reserve 2025 Diary).
• Credit cards accounted for 35% of consumer payments, debit 30%, and cash 14% of all consumer payments by number in 2024, per the Federal Reserve.

The takeaway: Mobile payment frequency tripled between 2018 and 2024, with U.S. consumers averaging 11 mobile-phone payments per month versus 4 in 2018, per the Federal Reserve; yet Apple Pay still captures only 10.2% of eligible in-store transactions, suggesting that the bottleneck on its share is consumer habit, not merchant rails.

Apple Pay vs Google Pay: Mobile Wallet Competition

• Apple Pay holds 14.22% of the online payments market in 2025, with PayPal at 47.43% and Stripe at 8.09%, per PYMNTS Intelligence.
• Apple Pay accounts for 49% of U.S. mobile wallet users versus Google Pay’s 30.1%, a wider lead than Google maintains in Google search market share data.
• Mobile wallet use in stores surged to 31% of consumers, up from 14% a year earlier, per PYMNTS Intelligence.
• Competing wallets Google Pay’s user base more than doubled, and PayPal and Cash App nearly did the same, per PYMNTS at the 11-year mark.
• The competition is narrowing the lead: PayPal still leads in pure online checkout share at almost half the market.
• Stripe, a payments processor rather than a consumer wallet, captures 8.09% of online flows on its own.

Why it matters: Apple Pay leads U.S. mobile wallet user share at 49% versus Google Pay’s 30.1%, but trails PayPal 3.3x on raw online payment share (47.43% to 14.22%), per PYMNTS Intelligence, a reminder that wallet leadership at the till does not automatically convert to checkout-page leadership online.

Apple Pay Fraud Prevention and Security Metrics

• Apple Pay eliminated more than $1 billion in fraud over the past year, per Apple’s October 2025 update.
• Apple Pay’s fraud rate is approximately 60% lower than traditional credit and debit card transactions.
• Apple Pay’s tokenized architecture means card numbers are never shared with merchants, materially reducing the surface area for breach-driven card-data theft compared with card-present and card-not-present transactions.
• The wallet’s biometric authentication layer (Face ID, Touch ID) adds a transaction-level identity check absent from traditional swipe and contactless card payments.
• Apple Pay drove more than $100 billion in incremental merchant sales through higher authorization rates, per Apple.

Source: Apple

Is Apple Pay safer than credit cards?

Apple Pay’s tokenized architecture and biometric authentication contribute to a fraud rate that is approximately 60% lower than traditional credit and debit card transactions, per Apple’s October 2025 figures. The wallet eliminated more than $1 billion in fraud over the past year. Card numbers are never shared with merchants, which reduces breach-driven card-data theft risk relative to plastic-card payments.

Apple Pay UK Adoption and Mobile Wallet Trends

• 57% of UK adults were registered for mobile wallets in 2024, a sharp increase from the 42% recorded in 2023, per UK Finance Payment Markets 2025.
• 50% of the UK adult population used mobile contactless payments at least once a month in 2024, the first time regular mobile payment users reached half of the adult population.
• Of those who used mobile payments, half used them monthly and 44% weekly or more often, per UK Finance.
• UK consumers made 18.9 billion contactless card payments in 2024, with around 62% of debit card payments and 55% of credit and charge card payments being contactless.
• At the end of 2024, there were 153 million contactless cards in circulation in the UK, meaning 89% of cards in circulation had contactless functionality.
• UK Finance observes that contactless mobile payments appear to be replacing contactless payments initiated using a physical card, a step beyond the prior cash-to-card transition.

Key finding: Per UK Finance Payment Markets 2025, 57% of UK adults were registered for mobile wallets in 2024, up from 42% in 2023, and 50% used mobile contactless at least monthly, the first time UK regular mobile payment users reached half of the adult population.

Apple Pay in the Euro Area and Europe

• ECB SPACE 2024 found e-payment solutions, including PayPal, payment wallets, and other mobile applications, reached 29% of online transactions in 2024, up from 26% in 2022.
• For small-value online purchases below five euros, e-payment solutions accounted for 38% of payments, per ECB SPACE.
• At the point of sale across the euro area, cash remained the most frequently used payment method by number of transactions at 52%, down from 59% in 2022.
• In terms of point-of-sale transaction value, cards were predominant at 45% of total value, while cash accounted for 39%.
• The ECB SPACE 2024 survey gathered data from 50,000 euro area consumers in two rounds between September 2023 and June 2024 via Ipsos.
• Apple Pay is one of the e-payment solutions inside the 29% online share, alongside PayPal and bank-issued wallets; the survey does not split shares by individual wallet brand.

Apple Pay Demographics: Age and Frequency of Use

• In the U.S., adults aged 18 to 24 used phones for 45% of all payments in 2024, the highest mobile share of any age bracket, per the Federal Reserve.
• U.S. consumers averaged 11 mobile-phone payments per month in 2024, up from 4 payments per month in 2018, per the Federal Reserve 2025 Diary, a faster phone-engagement shift than seen in social media screen time data.
• In the UK, 88% of 16 to 24-year-olds use mobile wallets, per UK Finance.
• UK mobile wallet registration among those aged 65 and over rose from 14% in 2023 to 25% in 2024, per UK Finance.
• Federal Reserve data shows that households earning less than $25,000 per year and adults 55 and older relied more on cash than other cohorts in 2024.
• U.S. consumers made an average of 48 payments per month overall in 2024, with mobile and remote payments fueling growth in total payment volume, per the Federal Reserve.

Source: Federal Reserve Diary of Consumer Payment Choice, UK Finance Payment Markets report

Apple Pay Merchant Acceptance and Bank Partnerships

• About 90% of U.S. retailers accept Apple Pay, per Apple’s October 2025 update.
• Apple Pay is supported by more than 11,000 banks and networks worldwide.
• Apple Pay drove more than $100 billion in incremental merchant sales over the past year through higher authorization rates and greater cardholder engagement, per Apple.
• About 85% of U.S. merchants accept Apple Pay in PYMNTS Intelligence’s per-transaction sample, with the slight 5-point difference reflecting weighted-by-transaction versus headcount methodology.
• The merchant footprint includes major U.S. chains across grocery, retail, fuel, and quick-service restaurants.
• Despite near-universal acceptance, Apple Pay accounts for less than 5% of total transactions overall in PYMNTS Intelligence’s broader transaction sample, a paradox that defines the wallet’s growth ceiling.

Source: Apple, PYMNTS Intelligence

Worth noting: Per PYMNTS Intelligence, Apple Pay reaches about 85% U.S. merchant acceptance and roughly 60% iPhone ownership, while less than 5% of total transactions run on it; among eligible in-store transactions, the share is 10.2%, the most striking adoption-versus-usage gap in consumer payments.

Apple Wallet Ecosystem: Digital ID, Transit, Car Keys, and Hotel Rooms

• Apple Wallet supports transit payments in 250 regions and 800 cities worldwide, per Apple’s October 2025 update.
• The Wallet has provisioned 2 million hotel room keys across 65,000 hotel rooms, per Apple.
• The Car Key feature is supported by 29 car manufacturers across 300 models.
• Digital ID in Wallet is live in 12 U.S. states plus Puerto Rico, with Japan’s My Number Card marking international expansion and a U.S. passport rollout coming.
• Tap to Pay on iPhone is operational in 48 markets and supported by 15 million merchants.

Source: Apple newsroom

Tap to Pay on iPhone Statistics

• Tap to Pay on iPhone is operational in 48 markets, per Apple’s October 2025 update.
• The service is supported by 15 million merchants.
• Tap to Pay turns iPhones into contactless payment terminals without requiring separate hardware, lowering the rollout cost for small and seasonal merchants that previously required leased card readers.
• The 48-market footprint complements Apple Pay, which is live in 89 markets.
• Adoption is fastest where existing Apple Pay rails are mature and where merchant categories include high concentrations of micro-merchants and field sales.
• The feature shifts merchant onboarding from terminal procurement to a software toggle, eroding one of the historical moats around dedicated point-of-sale hardware vendors.

Source: Apple newsroom

Conclusion

Apple Pay’s approximately $450 billion in annual in-store sales and more than $1 billion in fraud eliminated over the past year frame a paradox: acceptance is near-universal at U.S. retail and globally extensive across 89 markets and more than 11,000 banks and networks, yet the wallet still captures only 10.2% of eligible in-store transactions. The growth ceiling for Apple Pay is consumer habit, not rails, and the UK’s 2024 57% mobile-wallet registration milestone offers the clearest precedent for how that ceiling lifts when mobile contactless starts replacing card-based contactless rather than only cash.

The next leg of Wallet expansion looks less like payments and more like identity: digital ID across 12 U.S. states plus Puerto Rico, Japan’s My Number Card, and 250 regions of transit reach. SQ Magazine’s reading is that the share-of-eligible-transactions number will be the metric to watch over the next 18 months. If it crosses 15% in the U.S. while Tap to Pay expands beyond its current 15-million-merchant footprint, the platform crosses from accepted-everywhere to used-by-default for a meaningful share of consumers.