Apple Pay Statistics (2025): Users, Market Share & Growth Rate

Highlights. In 2025, there are an estimated 65.6 million Apple Pay users in the United States; projections indicate that over 84 million consumers will use Apple Pay by 2030.

Apple Pay is the #1 most popular digital wallet with a 92% market share.
Apple Pay processed a global total of over $6 trillion in payments in 2022 and produced a revenue of $1.9 billion.
As of 2024, Apple Pay processed 14.2% of all online consumer payments and 5.6% of all in-store purchases.
Consumers use Apple Pay in 53.7% of in-store mobile wallet transactions.
Over 90% of U.S. retailers accept Apple Pay.

Bar Graph: American Apple Pay Users in millions consumers aged 14+, from 2022 (50.8) with projections to 2030 (84.7) according to eMarketer

Apple Pay Consumer Statistics

Apple Pay is one of the most popular digital wallets in the world.

22.3% of American consumers aged 14+ will use Apple Pay in 2025.
If trends continue, over 25% of consumers will use Apple Pay by 2030.
An estimated 624 million people worldwide are Apple Pay users in 2025.
If trends hold, over 635 million people will use Apple Pay by 2030.
Apple Pay consumers live in 90 countries and regions worldwide.
8.9% of Americans with access to Apple Pay use it for eligible in-store purchases.
48.7% of Americans owned iPhones in 2022.

Bar Graph: Global Apple Pay Users in millions from 2016 (67) to 2020 (507) according to Statista with estimates to 2027 (632)

Apple Pay Consumer Trends

Usership is up among iPhone owners, and there is room for growth.

By 2025 estimates, the number of global Apple Pay users has increased 23.0% since 2020 for a compound annual growth rate (CAGR) of 4.23%.
By 2025 estimates, the number of American Apple Pay users has increased 29.1% since 2022 for a CAGR of 8.90%.
In one quarter (2022 Q2), American consumers used Apple Pay to purchase $199 billion in consumer goods.
During Black Friday/Cyber Monday 2022, 12.7% of both online and in-store shoppers paid with Apple Pay, up from 7.8% of online shoppers and 8.1% of in-store shoppers the previous year.
During the COVID-19 pandemic in 2020, the global number of Apple Pay users grew by 66 million.
In 2019, 48% of global iPhone users had activated Apple Pay, up 45.5% from 2018.
In the first two years after its 2014 launch, just 9% of iPhone users had activated Apple Pay.

Bar Graph: American Apple Pay User Penetration among consumers aged 14+ from 2022 (18.1%) according to Insider Intelligence and projected to 2030 (25.7%)

Apple Pay Consumer Demographics

Among digital wallet users, Apple Pay is most popular with younger consumers.

2.5% of consumers born between 1997 and 2012 (often referred to as Generation Z) use Apple Pay.
73.1% of Generation Z digital wallet owners use Apple Pay at least once per week.
4.0% of consumers born between 1981 and 1996 (often called Millennials) use Apple Pay.
51.1% of Millennial digital wallet owners use Apple Pay weekly.
1.1% of consumers born between 1965 and 1980 (a.k.a. Generation X) use Apple Pay.
52.4% of Generation X digital wallet consumers use Apple Pay weekly.
Only 0.2% of consumers born prior to 1965 (including the Baby Boomer and Silent Generations) use Apple Pay.
43.9% of digital wallet users born prior to 1965 use Apple Pay weekly.
3.2% of consumers and 57% of digital wallet users earning over $100,000 annually use Apple Pay.

Pie Chart: Global Online Payments Market Share by the share of companies using each services according to Enlyft

Apple Pay dominates the U.S. digital wallet market.

In the U.S., Apple Pay is used in stores more than twice as often as any other competing wallet, aside from PayPal.
Among in-store consumers, PayPal is selected 8.0% of the time, while Google Pay is chosen 4.2% of the time.
In 2023, the global digital wallet market was valued at $269 billion.
The global digital wallet market is expected to expand at a compound annual growth rate of 22%, reaching $1.97 trillion by 2033.
In the online payments market in 2025, Apple Pay held a 14.22% share.
In comparison, PayPal held a 47.43% share and Stripe held 8.09%.
Among mobile wallets, Apple Pay had a 92% market share in 2020.
Its competitors made up the remaining mobile wallet share, with Samsung Pay at 5% and Google Pay at 3%.

Grouped Bar Graph: Apple Pay & Competitor User Penetration, 24-hour user penetration among mobile wallet users, from 2020 to 2022, including Apple Pay, PayPal, Google Pay, and Samsung Pay according to PYMNTS.com

Apple Pay Competitor Statistics

Although Apple Pay is the most popular digital wallet for in-store transactions, it trails behind PayPal in online digital wallet transactions and electronic payments.

Among online payment methods, Apple Pay is the 5th most popular in terms of the number of websites accepting.
2.40 million live websites use Apple Pay.
PayPal is the most-used and is live on 11.9 million websites.
88% of Apple Pay users also use PayPal.
63% of Apply Pay users also use Cash App; 59% use Venmo, and 58% use Google Pay.
34% of PayPal users also use Apple Pay, compared to 51% of Cash App users, 50% of Venmo users, and 49% of Google Pay users.

Percentage of Top 100 U.S. Retailers Using Apple Pay in-app, on a for mobile website or a for desktop from 2018, 2019, and 2020 according to Deepwater Asset Management

Apple Pay Revenue Statistics

Apple Pay generates revenue through fees charged to banks that support it, as well as interest and late fees from Apple Pay Cash and Apple Card.

In 2022, Apple Pay produced a revenue of $1.9 billion.
Apple Pay’s 2023 revenue is expected to double to $4 billion.
In 2022, Apple Pay processed a global total of over $6 trillion in payments.
Apple Pay’s global payment volume is second only to Visa, which processed $10 trillion in digital payments.
5% of all global transactions used Apple Pay in 2020.
In 2021, U.S. consumers spent an annual average of $2,439.70 on contactless payments; by 2025, this is expected to increase to $4,064.30.

10 Major Retailer Websites Using Apple Pay
Company	Monthly Visits (in millions)
target.com	172.8
lowes.com	140.3
nike.com	116.6
hm.com	96.6
bestbuy.com	91.4
uniqlo.com	87.5
asos.com	60.5
walgreens.com	54.9
chewy.com	48.1
oldnavy.gap.com	43.3

Apple Pay Compatibility Statistics

Apple Pay is available to anyone with an iPhone in 90 countriesand is accepted by over 90% of U.S. retailers.

As of 2025, over 8,000 banks around the world support Apple Pay, 72.5% of which serve U.S. customers.
5,480 banks supported Apple Pay globally in 2020, up 29% from 2019, when it was supported by 4,250 banks globally.
Apple Pay can be activated on 96% of iPhones.
Although not all accept Apple Pay, over 82% of all payment terminals in the world now accept contactless payments.
In 2020, Apple Pay’s acceptance on the top 100 U.S. desktop sites grew by 22%.
In 2020, Apple Pay’s acceptance on the top 100 U.S. mobile sites grew by 39%; acceptance on the top 100 U.S. mobile apps grew by 20%.
In 2016, Apple Pay was accepted at over 40,000 vending machines.

Grouped Bar Graph: Apple Pay Consumer Spending In-Store and Online based on most recent purchases withing 24 hours according to PYMNTS.com

Apple Pay Corporate Use Statistics

Many businesses globally accept Apple Pay, in particular online stores and companies based in the United States.

Nearly 574,200 companies worldwide accept Apple Pay; nearly 80,140 of them are retailers.
41.5% of companies that accept Apple Pay are based in the United States.
41.4% of companies that use Apple Pay are small businesses (with fewer than 10 employees).
Apple Pay is used on 7.74% of the global top 10,000 high-traffic websites.

Grouped Bar Graph: Apple Pay International Penetration Rates, the Top 5 countries by in-store user penetration, including Point of sale and Online user penetration, according to Statista

Apple Pay Use by Country Statistics

Apple Pay’s penetration is typically higher in Western countries and for in-store use.

In December 2024, the United Kingdom led Apple Pay in user penetration for both in-store and online transactions, at 63% and 39% respectively.
France saw user penetration reach 60% in-store and 23% online.
Canada had 57% in-store Apple Pay use and 33% online use.
The United States has the 4th-highest user penetration at 54% in-store and 33% online.
Austria had 52% in-store Apple Pay user penetration and 24% online.
Sweden had 50% in-store user penetration and 32% online.
Australia had 46% in-store user penetration and 37% online user penetration.
The Netherlands had 46% in-store and 26% online Apple Pay penetration.
Germany’s Apple Pay penetration was 43% in-store and 18% online.
Finland had 43% in-store user penetration and 19% online.
Switzerland had 39% in-store Apple Pay user penetration and 32% online.
Italy had 38% in-store and 16% online Apple Pay penetration; Spain had 32% in-store and 19% online.
Mexico had an in-store user penetration rate of 22% and 14% online.
Poland had 21% in-store user penetration and 18% online user penetration.
Brazil had 16% in-store and 5% online Apple Pay use.
Apple Pay penetration in China was only 9% in-store and 15% online.
Similarly, Japan’s online use was higher than its in-store use, at 15% and 10% respectively.

Grouped Bar Graph: Apple Pay International Annual User Growth, the Top 5 countries by in-store user penetration growth, including Point of sale and Online user penetration, according to Statista

Apple Pay Digital Wallet Use Statistics

Apple Pay is the most popular contactless payment platform, but only a small share of in-store transactions take place through digital wallets.

61.3 million U.S. iPhone owners actively used Apple Pay in 2024, and 111.9 million U.S. consumers used a mobile payment platform.
54.8% of U.S. mobile payment platform users chose Apple Pay in 2024.
Apple Pay accounted for 3.2% of in-store U.S. transactions in 2023, up 52.4% from 2022.
6.2% of U.S. consumers had recently used a digital wallet for an in-store transaction in 2023, up 14.8% from 2022.
The number of U.S. consumers who used a digital wallet for an in-store transaction increased by 33% between 2022 and 2024.
41% of global consumers are likely to use digital wallets in the next year; 40% say they are likely to store payment methods in digital wallets.

Grouped Bar Graph: U.S. Adoption of Apple Pay from 2019 to 2023 including eligible transactions that use Apple Pay and Apple Pay share of all in-store sales according to PYMNTS.com

Contactless Pay Consumer Statistics

Although many Americans use Apple Pay, most use it infrequently. Obstacles include security fears, convenient contactless credit cards, and competing retailers like Amazon and Walmart.

5.4% of American consumers used contactless payment for their most recent purchase.
11.5% of consumers use contactless payment in a week.
45.7% of consumers use contactless payment at least once per month.
In 2024, 5 out of 10 Americans use Apple Pay in stores and 3 out of 10 use it online.
American consumers used Apple Pay for over $268 billion in in-store purchases in 2024.
In 2023, consumers made $212.9 billion in physical Apple Pay purchases, up 57.9% from $134.9 billion in 2022.

Apple Pay, Apple Card, and Apple Cash

In addition to storing their cards, ID, and more in Apple Wallet, users can access payment options like Apple Pay, Apple Card, and Apple Cash through the Wallet app.

Apple Pay enables users to pay with any of the cards in their Apple Wallet, either online or by holding their phone near a near-field communication (NFC) terminal.
Apple Card is a credit card backed by Mastercard and Goldman Sachs that offers 3% cash back; it is primarily intended for online use alongside Apple Wallet.
Users can pay online with their Apple Card details or through Apple Wallet and Apple Pay, or order a physical card to use in locations that don’t accept Apple Pay.
There are over 12 million Apple Card cardholders as of 2024.
In 2024, Apple Card had 12 million users, up from 6.7 million in 2022.
Apple Cash is a peer-to-peer payment platform like Venmo, PayPal, or Zelle.
Apple Cash is effectively a prepaid debit card that can be loaded and unloaded seamlessly with other cards in the Apple Wallet app.

These data and insights were compiled by the Capital One Shopping team based on publicly available data.

Apple Pay Statistics