With 38 million users in the United States as of year-end 2017, Apple Pay has become one of the most popular digital wallets among U.S. consumers, allowing users to make payments using an iPhone, Apple Watch, iPad or Mac. Apple Pay allows users to make payments in person, in iOS apps, and on the web and with around 127 million users ranks among the top mobile payment platforms worldwideworldwide, as well as the most commonly accepted mobile payment method by both small and middle sized businesses (SMB) in the United States.
In a January 2017 survey on adoption rate of selected mobile wallets, 34 percent of respondents indicated that they were registered with Apple Pay, second only to the Starbucks app. Apple Pay is also the second most popular mobile wallet app among affluent users in the U.S. behind PayPal. As of December 2016, 36 percent of North America retailers already accepted payment with Apple Pay. However, due to provisioning differences between countries, users may encounter acceptance issues when travelling to a different country.
In a survey on the level of familiarity with Apple Pay among U.S. internet users, 86 percent of respondents were aware of the digital payment service and 12 percent of them had made use of the service although traditional banking still has the highest level of overall consumer opinion regarding user-friendliness and trustworthiness among payment system providers. A total of 20.5 percent of respondents in a March 2017 survey stated that security concerns were the reason for why they had yet to try Apple Pay.
Apple Pay implements the Contactless EMV standards from the major payment card networks and should work at any merchant that supports contactless payments worldwide, regardless if they specifically advertise Apple Pay acceptance or if Apple Pay support is offered by card issuers in that country.