Apple Pay Statistics (2026): Users, Market Share & Growth Rate

Highlights. Worldwide, 785 million people use Apple Pay, making it the #1 most popular digital wallet.

Projections indicate U.S. Apple Pay usership will grow from 65.6 million in 2025 to over 84 million by 2030.
Apple Pay is accepted at over 90% of U.S. retailers and available in 95 countries worldwide.
Consumers use Apple Pay in 14.2% of all online payments.
Apple Pay processed $8.5 trillion in payments in 2024.
In the U.S., Apple Pay has a 92% market share.

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 dominates the U.S. digital wallet market.

As of 2024, Apple Pay processed 5.6% of all in-store purchases.
Consumers use Apple Pay in 53.7% of in-store mobile wallet transactions.
In the U.S., Apple Pay is used in stores more than one and a half times as often as any other competing wallet, aside from PayPal.
Among in-store consumers, PayPal is selected 12.8% of the time, while Cash App is chosen 4.2% of the time.
In 2024, the total value of global digital wallet e-commerce transactions was $3.60 trillion.
Online digital wallet transactions are expected to increase at a compound annual growth rate of 18.1%, reaching $7.02 trillion by 2030.
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%.

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

Apple Pay Consumer Statistics

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

90% of mobile wallet users prefer Apple Pay due to ease of use.
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 818 million people worldwide are Apple Pay users in 2025.
If trends hold, over 1.3 billion people will use Apple Pay by 2030.
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: 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 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 61.5% since 2020 for a compound annual growth rate (CAGR) of 10.1%.
By 2025 estimates, the number of American Apple Pay users has increased 25.8% since 2022 for a CAGR of 7.95%.
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: Global Apple Pay Users in millions from 2016 (67) to 2024 (744) according to Statista and PYMNTS with estimates to 2028 (1,092)

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.

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 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 2024 revenue was an estimated $2.7 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.

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.
2.17 million live websites use Apple Pay.
PayPal is the most-used and is live on 13.2 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.

10 Major Retailer Websites Using Apple Pay
Company	Monthly Visits (in millions)
target.com	204.4
lowes.com	107.9
hm.com	106.4
nike.com	105.6
uniqlo.com	101.8
bestbuy.com	98.1
walgreens.com	59.5
asos.com	54.7
oldnavy.gap.com	48.7
chewy.com	41.5

Apple Pay Compatibility Statistics

Apple Pay is available to anyone with an iPhone in 95 countries and is accepted by over 90% of U.S. retailers.

As of 2025, over 8,300 banks around the world support Apple Pay, 72.0% 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.

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.

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 6.30% of the global top 10,000 high-traffic websites.

Grouped Bar Graph: U.S. Adoption of Apple Pay by share of eligible transactions that use Apple Pay from 2019 to 2025 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.

In the second fiscal quarter (Q2) of 2025, the United Kingdom led Apple Pay in user penetration, at 47% among consumers who use payment services and 26% among all consumers.
The United States has the 2nd-highest user penetration at 42% among payment services users and 20% of all consumers.
Among consumers using payment services, Canada saw user penetration reach 42% or 18% of all consumers.
Australia had 39% Apple Pay user penetration in payment services and 23% among all consumers.
18% of all consumers in Switzerland, 17% of consumers in Sweden, and 15% of consumers in Austria use Apple Pay.
The Netherlands, Germany, and Finland have an Apple Pay consumer penetration rate of 12%.
France and Poland’s Apple Pay penetration is 11%.
Spain and China have 10% Apple Pay consumer penetration.
9% of Italian and 8% of South African consumers use Apple Pay.
Apple Pay consumer penetration is 6% in Brazil, 5% in Mexico, and 4% in Japan.

Grouped Bar Graph: Apple Pay International Penetration Rates, the Top 5 countries by use among payment service consumers 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.

65.6 million U.S. iPhone owners actively used Apple Pay in 2025, and 117.4 million U.S. consumers used a mobile payment platform.
55.9% of U.S. mobile payment platform users chose Apple Pay in 2025.
Apple Pay accounted for 10.2% of in-store U.S. transactions in 2025, up 14.6% from 2024.
31.2% of U.S. consumers had recently used a digital wallet for an in-store transaction in 2025, up 116.7% from 2024.
The number of U.S. consumers who used a digital wallet for an in-store transaction increased by 228.4% between 2022 and 2025.
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.

Bar Graph: U.S. Apple Pay In-Store Purchase Volume in billions from 2019 to 2025 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 at least once per week.
45.7% of consumers use contactless payment at least once per month.
15.9% of consumers use Apple Pay for in-store purchases weekly, while 12.2% use Apple Pay online weekly.
American consumers used Apple Pay for over $450 billion in in-store purchases in 2025.
In 2024, consumers made $268.0 billion in physical Apple Pay purchases, up 28.9% from $212.9 billion in 2023.

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.
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

Apple Pay Market Share Statistics