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Apple Pay vs. Google Pay: What’s the Difference?

apple pay vs google pay

Apple Pay vs. Google Pay: What’s the Difference?

Key Points

  • Apple Pay is exclusive to the Apple ecosystem of devices, while Google Pay is available to a wider range of devices including Android smartphones and smartwatches.
  • Both Apple Pay and Google Pay offer peer-to-peer payment options, but Apple Pay has a more seamless integration for completing transactions.
  • There are no transaction fees associated with both Apple Pay and Google Pay for customers, although credit card companies may charge fees for using these services.
  • Apple Pay has a dedicated security chip on its devices and utilizes tokenization and encryption for secure transactions, while Google Pay requires NFC functionality and unlocking the phone for transactions.
  • The choice between Apple Pay and Google Pay ultimately depends on device compatibility and personal preference, with Apple Pay offering a seamless experience and strong digital security.

Apple Pay vs. Google Pay: what’s the better service? Contactless payment methods have grown significantly in the last few years. It used to be that you’d have to go through the motions of pulling out your payment card at the time of transaction.

These days, you can complete transactions at supported shops with the simple touch of a button on your smartphone. Apple Pay and Google Pay have some striking similarities, especially in their overall method of use. However, one of them has a distinct edge, which will be explored a little further.

Apple Pay vs. Google Pay: Side-by-Side Comparison

Apple PayGoogle Pay
Supported CardsDebit cards, credit cards, and prepaid cardsDebit cards, credit cards, and prepaid cards
Method of PaymentOnline and supported NFC payment terminalsOnline and supported NFC payment terminals
Method of AuthenticationFace ID or Touch IDNFC function must enabled in phone settings, payment is done by unlocking the phone to complete the transaction
SecurityA dedicated security chip on the device and all transactions are encryptedAll transactions are encrypted
Peer-to-Peer Transaction SupportYesYes
Devices SupportediPhone, iPad, and Apple WatchAndroid smartphones, Android watches, iPhone
Online PurchasesYesYes
Age Required for Enrollment13 with parental approval, 18 for solo usage18 years or older

While the overall goal is the same with both of these services, there are some notable differences.

Apple Pay vs. Google Pay: What’s the Difference?

Available Devices

apple pay vs. google pay
Google Pay is available for Android and iPhone devices.

Apple Pay is exclusive to the Apple ecosystem of devices. You will need a Touch ID or Face ID-enabled iPhone or iPad. The payment service is also available to the Apple Watch line of products. You can use Apple Pay with a laptop or desktop computer in supported online shops. However, if you’re looking to use the service in stores, you’ll need an Apple device.

Google Pay is available to a wider range of devices. Since Google services are typically included on all Android phones, that opens it up to a wider range of manufacturers with the likes of Google, Samsung, LG, and others. You can also use it with any Android smartwatch, like the Samsung Galaxy Watch.

Google Pay is also available to Apple devices, provided you don’t mind installing the app. As such, this makes Google Pay a more flexible service. Apple Pay has first-mover advantage, but it is rather restrictive if you don’t own many devices from the manufacturer.

Peer-to-Peer Payments

While not a requirement, it is always handy to have peer-to-peer options available for any digital payment service. Thankfully, both of these services offer peer-to-peer transactions, meaning you can pay friends on the go whenever you feel the need.

Apple’s integration is done through the Apple Cash app. You can send funds on the Messages app or using Siri when sending funds from a card stored in the app. This can make it fairly fast to complete a transaction for your half of dinner or cab fare.

Google Pay is a little more legwork to get going. You can send payments to others in the United States, just like Apple Pay. However, you’ll have to launch the app and go through entering a phone number or email address for the individual you want to pay. Apple has the overall edge when it comes to completing peer-to-peer transactions. As the service is built directly into the device, it’s a seamless process.

Transaction Fees

apple pay vs. google pay
You won’t experience any transaction fees using either Apple Pay or Google Pay.

There aren’t any transaction fees associated with Apple Pay. For customers, this is a huge boon, as you can use it in place of your debit or credit cards to complete transactions. If you’re a vendor, there are fees associated, but these are minimal at best. Transaction fees for businesses are around 1% — significantly less than using the likes of Stripe, Square, or PayPal to handle digital payments.

Google Pay also doesn’t have any transaction fees for the customer. Like Apple Pay, you can use it in place of your debit or credit cards for any in-person or online transactions in supported shops. Do be aware that your credit card company may charge fees for using either one of these services, though.

While you might reap the benefits of zero fees with your debit card, some credit card companies will charge a minimal fee for every transaction conducted with Apple Pay or Google Pay. The highest you’ll see is going to be about 5%, which isn’t ideal.

Security and Authentication

Apple and Google are companies that are at the forefront of technology. As such, it only makes sense that their payment services would leverage the full brunt of their resources and technological prowess. Apple Pay has an edge here, as there is a security chip built into every Apple device that supports the service.

This works in conjunction with the likes of your Face or Touch ID information to provide a smooth experience when conducting a transaction. Each transaction also goes through a process of tokenization and encryption before being sent to the vendor for processing. The whole process is seamless, but there is quite a bit of security in the background to make sure your funds aren’t compromised.

Google Pay also operates in a similar fashion, utilizing a process of tokenization and encryption to safeguard every transaction. However, the payment method is slightly different. You’ll need to enable NFC functionality in your phone’s settings. From there, the actual transaction process is as simple as just unlocking your phone.

Apple Pay vs. Google Pay: 5 Must-Know Facts

  1. Apple Pay relies on a built-in chip on all Apple devices for security.
  2. Apple Pay is restricted to Apple devices.
  3. Apple Pay is usable on iPhones, iPads, and Apple Watch devices.
  4. Google Pay can be used on both Android and iPhone.
  5. Google Pay can integrate with Android wearables.

Apple Pay vs. Google Pay: Which One Is Better? Which One Should You Choose?

So, which of these services is the cream of the crop for touchless transactions? Both have their strong suits, especially when you consider native integration on their intended devices. Google Pay has a definite advantage when it comes to device compatibility, supporting all major smartphones on the market currently.

However, if you’re looking for a seamless method of contacting digital transactions, Apple Pay is hard to beat. Apple has been at the forefront of digital security for its customers for a number of years now, and this service is no exception.

Once you’ve factored in the integration with the default messaging app and Siri, it makes for a great overall experience. If you’re looking for something you can run on multiple devices, Google Pay is the way to go. Really, it will come down more to a matter of choice, as the overall aim is identical.

apple pay vs. google pay

Frequently Asked Questions

Does Apple Pay work on Android devices?

No, Apple Pay is only for Apple devices. The service itself relies on a proprietary security chip only found on Apple products. As such, you’ll need an iPhone, iPad, or Apple Watch to use the service.

Does Google Pay work on Apple devices?

Yes, you simply need to download the Google Pay app and add some payment cards to start using the service with your mobile phone.

Is Apple Pay secure?

Yes, Apple Pay has multiple layers of security to even conduct a basic transaction. All data is encrypted and tokenized, and you also have to use your own biometric data to authorize the transaction in the first place.

Is Google Pay secure?

Yes, Google Pay also utilizes encryption and tokenization to conduct any transaction. Any time you make a payment, it is going to be a secure experience.

How does a payment service work?

It effectively functions in the same manner as using a touchless debit card. There are a few extra steps depending on your service of touch, but you don’t have to insert the card to actually complete a transaction.

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