Highlights. In 2022, there were 50.8 million Apple Pay users in the United States; projections indicate that 67 million consumers will use Apple Pay by 2026.

  • Apple Pay is the #1 most popular digital wallet with a market share of 92%.
  • In 2022, Apple Pay processed a global total of $6 trillion in payments and produced a revenue of $1.9 billion.
  • Apple Pay is available in 76 countries at 5,480 banks, and with over 90% of retailers in the U.S.
  • 88% of in-store digital wallet payments in the U.S. are made using Apple Pay, but only 6% of all debit payments in the U.S. are made with digital wallets.

Grouped Bar Graph: Projected U.S. Apple Pay Users and Penetration from 2022 with projections to 2026 from Insider Intelligence/eMarketer

Apple Pay Consumer Statistics

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

  • In 2022, 18.1% of U.S. shoppers used Apple Pay; projections indicate that by 2026, 23.3% of Americans will use Apple Pay.
  • In 2020, there were 507 million Apple Pay users globally; estimates indicate just over 700 million users in 2022.
  • In 2019, 48% of global iPhone users had activated Apple Pay, up 33% from 2018.
  • In 2016, a few years after its 2014 launch, just 9% of global iPhone users had activated Apple Pay.
  • 48.7% of Americans owned iPhones in 2022, but only 9.3% of Americans with access to Apple Pay used it for in-store purchases.
  • During the COVID-19 pandemic in 2020, the global number of Apple Pay users grew by 66 million.
  • During Black Friday/Cyber Monday 2022, 12.7% of both online and in-store shoppers paid with Apple Pay, up from 7.8% and 8.1% the previous year.

Bar Graph: Global Apple Pay Users from 2016 (67 million) to 2020 (507 million) according to Statista with estimates to 2022

Apple Pay Market Share Statistics

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

  • In the online payments market in 2023, Apple Pay held a 12.62% share.
  • In comparison, PayPal held a 56.15% share and Stripe held 8.94%.
  • Among U.S. digital wallets in 2020, Apple Pay led with a market share of 92%.
  • Its competitors made up the rest, with Samsung Pay at 5% and Google Pay at 3%.
  • 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.

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

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 $6 trillion in payments,
  • Apple Pay’s global payment volume is second only to Visa, which processed $10 trillion in digital payments.
  • Out of $4.9 trillion in 2022 U.S. retail sales that accepted the digital wallet, In 2022, Apple Pay captured  $199 billion (4.1%).
  • 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 Websites Using Apple Pay
Ranking Company Monthly Visits
1 docomo.ne.jp 1,800
2 ebay.com 728
3 paypal.com 534.5
4 etsy.com 525.5
5 apple.com 479.8
6 github.com 415.7
7 wordpress.com 298.1
8 telegram.org 253.2
9 target.com 247.9
10 allegro.pl 224.9

Apple Pay Compatibility Statistics

Apple Pay is available to anyone with an iPhone in 76 countries and is accepted by over 90% of U.S. retailers.

  • 5,480 banks around the world supported Apple Pay 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, 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.

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 Corporate Use Statistics

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

  • Over 372,000 companies worldwide accept Apple Pay.
  • 56% of companies that accept Apple Pay are based in the United States.
  • 82% of companies that accept Apple Pay make under $50 million in revenue annually.
  • 2,192,993 websites worldwide use Apple Pay, 1,379,817 or 62.9% of which are based in the United States.
  • Apple Pay is used on 6.35% of the global top 10,000 high-traffic websites.

Grouped Bar Graph: U.S. Adoption of Apple Pay from 2019 to 2021 including merchants that accept apple pay and eligible transactions that use Apple Pay according to PYMNTS.com

Apple Pay U.S. Consumer Use 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.

  • Only 5.4% used contactless payment for their last purchase and only 11.5% in the last week, but 45.7% used contactless payment in the last month.
  • In 2021, 5 out of 10 used Apple Pay in a store and 2 out of 10 used it online.
  • In 2021, American consumers made $91.7 billion in physical Apple Pay purchases, up 96% from $46.9 billion in 2019.
  • 29.1% of said they wanted contactless payment to be available more often at checkout.
  • 24.7% wanted greater assurance that contactless payment was safe and secure.
  • 49.9% reported contactless payments not working for them at least once.

Bar Graph: Most Popular Contactless Payment Platforms by share of U.S. online shoppers including Apple Pay, Google Pay, etc. according to PYMNTS.com

Apple Pay Use by Country Statistics

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

  • The United Kingdom led in both in-store and online Apple Pay use, at 69% and 35% of respectively.
  • France was close behind for in-store use at 63% and 20% online, and Switzerland was second in online use at 34% and 41% in-store.
  • Canada had 57% in-store use, the third highest, and 28% online use.
  • The United States was 4th in both in-store and online use at 54% and 31% respectively.
  • Australia, the only Oceanian country surveyed, had 50% in-store use and 33% online use.
  • The Netherlands had 44% in-store use and 23% online use, Sweden had 40% in-store use and 23% online use, and Finland had 35% in-store use and 18% online use.
  • Austria had a high in-store use of 48% but a low online use of 18%; Germany was similar, with an in-store use of 45% and an online use of 15%.
  • Spain had the lowest use of European countries surveyed, at 25% in-store use and 12% online use; Italy had a similarly low online use of 12% and an in-store use of 35%.
  • Apple Pay penetration in China was only 13% in-store and 21% online; China’s digital payment market remains dominated by services like WeChat Pay and Alipay.
  • Poland had only 17% in-store use and only 14% online use.
  • Mexico, the only Central American country surveyed, had an in-store use of 18% and an online use of 12%.
  • Unlike most other countries surveyed, Japan’s online use was higher than its in-store use, at 20% and 9% respectively.
  • Although South Africa had 25% in-store use, it had 0% online use.
  • Brazil used Apple Pay least of all countries surveyed, with just 12% in-store use and 9% online use.

Grouped Bar Graph: Global Apple Pay 12-Month Penetration Rates among selected countries at point of sale and online according to Statista

Apple Pay Demographic Statistics

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

  • 73.1% of digital wallet users aged 25 and under used Apple Pay in the last week, compared to 51.1% of those aged 26 to 40 and 52.4% of those aged 41 to 56.
  • Only 43.9% of digital wallet users over 57 used Apple Pay.
  • 57% of digital wallet users earning over $100,000 annually used Apple Pay.

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.

  • In 2022, Apple Pay captured 44% of U.S. in-store digital wallet transactions; the runner-up, Google Pay, captured 15%.
  • In 2022, in-store Apple Pay use in the U.S. was 3 times higher than any other competing wallet.
  • In electronic payments, Apple Pay is 4th most popular in the United States and 5th most popular in the world, behind major players like PayPal and Visa.
  • PayPal is used on 7,246,542 live websites, 230% more than Apple Pay, which is used on 2,192,993 live websites.
  • 88% of Apple Pay users also use PayPal, while 63% 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.

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.

  • 43.9 million U.S. iPhone owners actively used Apple Pay in 2021, and 101.2 million U.S. consumers used a mobile payment platform in 2021.
  • 43.4% of U.S. mobile payment platform users chose Apple Pay in 2021.
  • Apple Pay only made up 2.4% of in-store U.S. transactions in 2022.
  • Only 5.4% of U.S. consumers had recently used a digital wallet for an in-store transaction in 2022.
  • 44.4% say they are likely to majorly increase their digital wallet use in the next year, and 30% say they will use digital wallets slightly more.

Apple Pay, Apple Card, and Apple Cash

While users can access payment options like Apple Pay In their Apple Wallet, additional payment options, including Apple Card and Apple Cash, are accessible via 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.
  • In 2022, Apple Card had 6.7 million users, up from 6.4 million in 2021.
  • 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.

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


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  2. Insider Intelligence
  3. Apple.com
  4. Deepwater Asset Management, Apple Pay availability growing 20% plus
  5. Pymnts.com
  6. Pulse Network, Consumer Preference for Debit Persists, Diversifies
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  9. Statista, Industry Overview
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  15. NFCW, Eight in ten payment terminals across the world now accept contactless payments
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