Apple Pay

Apple Pay is a mobile payment service developed by Apple Inc. It was started on October 20, 2014. It allows people to make payments in person and works with iPhone, iPad, Apple Watch, Mac and Vision Pro.^[1]

Developer(s)	Apple Inc.
Initial release	20 October 2014; 11 years ago (2014-10-20)
Operating system	iOS 8.1 or newer (iOS 10 or later for Apple Pay on the web) (iOS 11.2 or later for Apple Cash) All watchOS versions macOS Sierra or later All visionOS versions
Platform	In store: iPhone 6 or newer Apple Watch paired with an iPhone, or Series 3 or newer with cellular On the web (Safari): iPhone 6 or newer with iOS 10 or later 2014 iPads (Air 2, Mini 3) or newer with iOS 10 or later 2016 MacBook Pro with Touch ID or newer with macOS High Sierra or later 2018 MacBook Air or newer with macOS Catalina or newer Macs based on Apple silicon paired with a Magic Keyboard with Touch ID Macs working Handoff running on macOS Sierra or later paired with an Apple Watch or iPhone 6 or newer Apple Vision Pro On the web (3rd party browser using WebKit): iPhone 8 or newer with iOS 16 or later macOS Sequoia or later
License	Proprietary
Website	apple.com/apple-pay

Service

Device Works

The service works with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID and Apple Watch Series 1 and newer. In iOS 17 or later, the number of cards that can be added depends on the secure element capacity, which varies by device.

Apple Cash

Apple Cash, formerly Apple Cash Pay is a feature in Apple Pay that allows to transfer of money from one user to another user via iMessage. When users get a payment, the money will be added to their apple cash card and can be used right away in the store that accepts Apple Pay, This will work only United States.^[2][3] It was required to people with 18 years old or older. If they are under 18, they are required to have an Apple Cash family app.^[4][5]

Availability

Worked countries

Worldwide card works of Apple Pay

  Available

  Suspended

Apple Pay can be worked with any EMV contactless terminal worldwide as long as the people are using a working card. There is at least one card and bank in each of these 86 countries and regions issued these cards.^[6]

Date launched	Worked for payment cards Issued in
October 20, 2014	United States (except  Puerto Rico & other unincorporated territories)
July 14, 2015	United Kingdom[7] (except British Overseas Territories)
November 17, 2015	Canada
November 19, 2015	Australia
February 18, 2016	China (in-app and online payments only)
April 19, 2016	Singapore
July 7, 2016	Switzerland
July 19, 2016	France
	Monaco
July 20, 2016	Hong Kong
October 4, 2016	Russia (Suspended on March 25, 2022)[note 1]
October 13, 2016	New Zealand
October 25, 2016	Japan
December 1, 2016	Spain
March 7, 2017	Guernsey
	Ireland
	Isle of Man
	Jersey
March 29, 2017	Taiwan
May 17, 2017	Italy
	San Marino
	Vatican City
October 24, 2017	Denmark
	Greenland
	Finland
	Sweden
	United Arab Emirates
April 4, 2018	Brazil[10]
May 17, 2018	Ukraine
June 19, 2018	Poland
June 20, 2018	Norway
November 28, 2018	Kazakhstan
	Belgium
December 11, 2018	Germany
February 19, 2019	Czech Republic
	Saudi Arabia[11]
April 24, 2019	Austria
May 8, 2019	Iceland
May 21, 2019	Hungary
	Luxembourg
June 11, 2019	Netherlands
June 26, 2019	European Union (All Parts)
	Bulgaria
	Croatia
	Cyprus (except  Turkish Republic of Northern Cyprus)
	Estonia
	Greece
	Latvia
	Liechtenstein
	Lithuania
	Malta
	Portugal
	Romania
	Slovakia
	Slovenia
July 2, 2019	Faroe Islands
August 6, 2019	Macau
September 3, 2019	Georgia
November 19, 2019	Belarus
January 28, 2020	Montenegro
June 30, 2020	Serbia
February 23, 2021	Mexico[12]
March 30, 2021	South Africa [13]
May 5, 2021	Israel
August 17, 2021	Qatar
October 5, 2021	Bahrain[14]
	Palestine
November 2, 2021	Azerbaijan
	Colombia
	Costa Rica
January 18, 2022	Armenia
March 15, 2022	Argentina
	Peru[15]
April 5, 2022	Moldova
August 9, 2022	Malaysia[16]
December 6, 2022	Kuwait
	Jordan
March 21, 2023	South Korea[17]
May 2, 2023	El Salvador
	Guatemala
May 16, 2023	Panama
	Honduras
July 18, 2023	Morocco
August 8, 2023	Chile
	Vietnam
April 16, 2024	Ecuador
August 6, 2024	Dominican Republic
September 24, 2024	Oman[18]
November 5, 2024	Paraguay[19]

Worked payment networks and card schemes

• Visa (worldwide. Japanese Visa cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)^[20]
• Visa Electron (worldwide)
• V Pay (only in Europe)^[21]
• Mastercard (worldwide. Japanese Mastercard cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)^[22]
• Maestro (worldwide)
• American Express (worldwide. Japanese American Express cards in Apple Pay also function as FeliCa-based QUICPay cards in addition to EMV contactless cards.)^[23]
• Discover Card (only in the United States)^[24]
• U.S. Debit (only in the U.S. CDCVM may not be supported, requiring the customer to enter their PIN on the terminal.)
• Diners Club International (only in Japan. Only function as FeliCa-based QUICPay cards and do not support the global EMV contactless standard.)
• JCB (worldwide. Japanese JCB cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)
• Cartes Bancaires (CB) (only in France)^[25]
• Hyundai Card (only in South Korea)
• Interac (only in Canada)^[26]
• EFTPOS (only in Australia)^[27]
• China UnionPay (only in China, Hong Kong and Macau)^[28]
• China T-Union (select cities in China)
• Dankort (only in Denmark)^[29][30]
• Suica, PASMO, ICOCA, iD, QUICPay, WAON, and nanaco (only in Japan. FeliCa-worked iPhone and Apple Watch models only.)^[31][32][33]
• SPTC transit card (only in Shanghai)^[34]
• Yikatong (only in Beijing)^[35]
• mada (only in Saudi Arabia)^[36]
• Clipper (only in San Francisco Bay Area, California, United States)^[37]
• Hop Fastpass (only in Portland, Oregon, United States)^[38]
• SmarTrip (only in Washington, D.C., United States)^[39]
• TAP (only in Los Angeles, California, United States)^[40]
• Navigo (only in Île-de-France, France)^[41]
• Ventra (only in Chicago, Illinois, United States)^[42]
• Elo (only in Brazil)^[43]
• Octopus (only in Hong Kong. FeliCa-supported iPhone and Apple Watch models only.)^[44]
• girocard (only in Germany)^[45]
• Mir (only in Russia,^[46] suspended as of March 26, 2022^[9])
• Bancontact (only in Belgium)^[47]

Upcoming

• BankAxept (only in Norway)^[48]
• Meeza (only in Egypt)^[49]
• NAPAS (only in Vietnam)^[50]
• T-money (only in South Korea)^[51]

Notes

1. In March 2022, Apple no longer works Apple Pay for Mastercard and Visa in Russia until more notice because of sanctions imposed for the 2022 Russian invasion of Ukraine and due to financial uncertainty in Russia.^[8] Mir disabled later on March 26, 2022.^[9]