Apple Pay vs. Google Pay – Comparison to Choose the Best One

P2P payment apps

Apple Pay vs. Google Pay – Comparison to Choose the Best One

P2P money transfer apps are gaining popularity as they are highly convenient to use and more secure than carrying physical cash and cards in a wallet. 

It is easy to pay for any purchase with a few clicks, once you store all the information of your reward cards, credit cards, debit cards, and coupons in the app. 

Two of the renowned and widely adopted P2P payment apps are Apple Pay and Google Pay. Both perform well with modern smartphones and have the same functionalities, but differ more or less when it comes to advantages and limitations. So which one to pick for a secure P2P money transfer? 

According to Statista, Apple Pay was expected to be the highest used digital wallet with 227 million users, and Google Play to reach 100 million users in 2020. 

Deciding between Apple or Google Pay for peer-to-peer payment is not child’s play. It requires a thorough analysis of both platforms based on your needs. 

In this post, we have compared Apple Pay and Google Pay platforms. So let’s get going

Google Pay 

Google Pay is a digital payment system and digital wallet rolled into one. 

Advantages for Customers 

  • Ussr can use mobile to book tickets, boarding passes, as well as transit cards.
  • It includes multiple layers of advanced security that prevent fraudulent activities and attempts.
  • Users can send money or request cash through the app.
  • Money transfer to your bank account is possible through the app without having to cash out. 

Advantages for Merchants 

  • It is easy to integrate with Google Pay API.
  • It enables easy checkouts which can lead to higher cart conversion and boost sales.
  • It improves traffic, customer engagement, and brand connection to users.
  • No additional cost.  
  • Better security against exposure to fraudulent activities and malware.   


  • It is not always accepted, especially when it comes to smaller retailers.
  • It is not 100% safe or protected from any privacy concerns 

Apple Pay 

Apple Pay is the tech giant’s mobile payment software solution that enables card-free, cashless payment after any purchase. It works in physical stores and enables shoppers to make payments with a smartphone if the retailer has installed the NFC terminals. Apple Pay also works with mobile  payment apps on iOS and supports all leading credit cards. 

Advantages for Customers

  • Enhanced security as it is designed with privacy in mind.  
  • It enables one-click payments. 
  • Making payments through mobile apps is highly convenient. 
  • Recurring payments that streamline the payment process. 
  • There is no internet required and it also works in Airplane mode.
  • Lower risk.
  • Compatibility with major banks.
  • It is easy to use.  
  • Supports all crest cards.

Advantages for Merchants 

  • Provide services to mobile-preferred customers.
  • Get funds quicker and reconcile easier. 
  • Attract new customers. 
  • Deliver better user experience. 
  • No extra fees for retailers. 


  • Apple pay is available in the higher versions above iPhone 6 and iPad 2.
  • It is not always accepted, especially when it comes to smaller retailers.
  • No support for online shopping.
  • It is tough to convince the shoppers and merchants to use it.
  • Higher charges as credit card organizations may stop sharing the fees with Apple.  

Even with the accelerated growth that the FinTech industry is experiencing, payments through mobile are still not the customer’s first choice. Americans still make five out of six payments every month through a credit/debit card compared to mobile wallets. 

As the market is constantly growing and more businesses are enabling mobile payments, these numbers are likely to change. 

Apple Pay vs. Google Pay – Deciding the Best 

Both apps enable users to validate their payments from normal phone unlocking. 

With Apple Pay, you will have options such as passcode, fingerprint, Face and Touch ID whereas with Google Pay there is a PIN, password, pattern, or fingerprint. 

However, your choice of Apple Pay or Google Pay will depend entirely on the device you own that will add convenience to your money transfer.  

Summing Up

When Apple Pay was first announced for the iOS platform, it seemed like an innovative idea that might take some time to catch on. However, after five to six years, almost 50% of the iPhone users out there start paying with Apple Pay. Similarly, Google Pay and Samsung pay are also growing for the Android platform. 

It should be even more popular than it is right now. If you are not using Apple or Google Pay, now is the right time to start leveraging its benefits. It is much more convenient compared to credit/debit cards in every way. 

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