Apple Pay vs Skrill: What’s the Difference?

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Apple Pay vs Skrill: What’s the Difference?

Key Points

  • Apple Pay and Skrill are two industry leaders in digital payments, but they differ in functionality, accessibility, security measures, and the markets they serve.
  • Apple Pay is exclusive to Apple devices, while Skrill is accessible on multiple platforms, making it more universally accessible.
  • Apple Pay functions as a digital wallet, while Skrill offers more diverse functions like peer-to-peer transfers and cryptocurrency transactions.
  • Apple Pay uses biometric authentication and secure element technology for security, while Skrill uses two-factor authentication and anti-fraud measures.
  • Apple Pay offers a seamless and fast user experience for Apple users, while Skrill provides a broader array of functionalities and versatility.

Apple Pay and Skrill are two industry leaders in the realm of digital payments, yet their similarities stop at their core function of enabling digital transactions. While both are highly effective and popular online payment solutions, they diverge significantly in terms of functionality, accessibility, security measures, and the markets they serve. Their unique characteristics cater to different user needs and preferences, highlighting the diversity in digital payment solutions available to consumers.

Whether you’re a tech-savvy user in the Apple ecosystem or a forex trader needing a versatile payment solution, understanding the key differences between Apple Pay and Skrill is crucial. So if you’re in search of a comprehensive comparison and deeper understanding of these two platforms, you’ve come to the right place. 

Apple Pay vs Skrill: Side by Side Comparison

Apple PaySkrill
What it isDigital WalletOnline payment & money transfer system
Primary UseIn-store, Online, and In-app transactionsOnline and peer-to-peer transactions
Initial ReleaseOctober 2014July 2001
OperatorApple Inc.Paysafe Group
AccessibilityAvailable on Apple devicesAvailable on multiple platforms
SecurityBiometric authentication, secure elementTwo-factor authentication, anti-fraud measures
Market FocusConsumer transactionsOnline gambling, forex trading, and overseas remittances
Apple pay
Contactless payments


effortless for Apple users due to Apple Pay.

©LightField Studios/Shutterstock.com

Apple Pay vs Skrill: What’s the Difference?

Below we will be comparing Apple Pay and Skrill under various criteria. Let’s take a look at how these digital payment platforms stack up against each other.


Apple Pay, as a product of the Apple ecosystem, is exclusively available on Apple devices like the iPhone, iPad, and Apple Watch. This means that, for non-Apple users, Apple Pay is simply inaccessible. This exclusivity can be limiting, especially in regions where Apple devices are not the majority.

On the other hand, Skrill’s platform is accessible on various operating systems, including iOS, Android, and Windows. This cross-platform compatibility means almost anyone with a smartphone or a computer can access Skrill, making it a more universally accessible option. Skrill, therefore, enjoys a wider user base due to its broader compatibility.


Apple Pay functions as a digital wallet, allowing users to add their credit or debit cards to the Apple Wallet app on their devices. This makes it a seamless part of the Apple ecosystem, facilitating easy contactless payments at physical stores, online purchases, and in-app payments. This ease of use enhances the user experience but can limit the functionality offered.

Skrill, however, offers more diverse functions. Besides functioning as an online payment gateway, Skrill allows peer-to-peer transfers and even supports transactions in cryptocurrencies. Further, it caters to niche markets that Apple Pay doesn’t directly cater to, such as forex trading and online gambling, further broadening its appeal and usability.

Security Measures

Apple Pay prides itself on its robust security features, using a combination of biometric authentication and secure element technology to protect users’ information. Card details are never shared with merchants, and transactions require fingerprint or facial recognition, adding a layer of physical security.

Skrill also takes safety seriously with its use of two-factor authentication and anti-fraud measures. While it doesn’t offer biometric authentication, Skrill’s robust security measures can mitigate the risks associated with online transactions. It continually updates its systems and measures to protect user information and ensure secure transactions.

User Experience

The user experience also varies greatly between Apple Pay and Skrill. Apple Pay is known for its clean, user-friendly interface while offering a hassle-free payment experience. It’s also tightly woven into the iOS experience. This means users can make payments with just a few taps on their devices. This seamless and fast experience, however, is only available to users of Apple devices.

Although Skrill is not as intuitive or aesthetically pleasing as Apple Pay, it still offers a fairly straightforward user interface. It does so by providing a broader array of functionalities that might appeal to users who need more than just a digital wallet. This may include peer-to-peer transactions, cryptocurrency support, and forex trading. While it might not offer the same streamlined experience as Apple Pay, its versatility certainly makes it a worthy contender in the world of digital payments.

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It’s easy to make online payments with both of these virtual payment options.


Currency Support

Currency support is an essential aspect to consider when comparing digital payment platforms. Apple Pay, primarily catering to a global audience, supports numerous currencies. However, the availability of the service is subject to the specific countries in which Apple has launched the service, somewhat restricting its global reach.

Conversely, Skrill has an edge over Apple Pay with its wider range of currency support. Skrill supports over 40 different currencies, thus catering to a more international user base. This makes Skrill a popular choice among users who often need to make cross-border transactions or deal with less commonly used currencies.

Fees and Charges

While both Apple Pay and Skrill offer free account setup and digital wallet services, they differ significantly in terms of transaction fees. Apple Pay does not charge the end-user for using the service. However, a small fee is taken from the merchant during each transaction. This practice keeps the service free for consumers but could potentially discourage smaller merchants from adopting the service.

Skrill, on the other hand, charges a fee for certain types of transactions. For instance, uploading funds to a Skrill account or conducting currency conversions will incur a fee of some sort. Moreover, Skrill’s fee structure is more complex and varies depending on factors like the user’s location. It may also depend on the destination of the transfer and the method of payment. This could make it less attractive for casual users who are looking for simplicity and predictability in fees.

Integration with Other Services

Apple Pay has been integrated into the larger Apple ecosystem. This provides seamless payment experiences across various Apple services, such as the App Store, iTunes, and iCloud. It also integrates well with other third-party apps and online shopping platforms that support Apple Pay. This widespread integration makes Apple Pay a more convenient option for those who are heavily invested in the Apple ecosystem.

In contrast, Skrill also allows integration with various online platforms. The most notable ones are online gambling and forex trading websites. Further, Skrill offers a Skrill card that can be used just like a debit card. This provides users with greater flexibility in accessing their funds. This wide integration offers Skrill users more ways to utilize their funds. Therefore, enhancing the overall utility of the service.

Yishan Wong - Paypal
Skrill is one of many digital payment platforms, but stands out for its diverse range of services.

©Andrey Solovev/Shutterstock.com

Apple Pay vs Skrill: 5 Must-Know Facts

  • Apple Pay is restricted to Apple devices. Meanwhile, Skrill is available on multiple platforms.
  • Skrill offers more diverse services. This includes peer-to-peer transfers and support for cryptocurrency transactions.
  • Apple Pay utilizes biometric authentication. Therefore, it is one of the most secure digital payment platforms.
  • Skrill is widely used in online gambling and forex trading. These are markets not directly catered to by Apple Pay.
  • Both Apple Pay and Skrill offer top-notch security features to protect user information and ensure secure transactions.

Apple Pay vs Skrill: Which One Is Better? Which One Should You Use?

Choosing between Apple Pay and Skrill depends largely on your needs and device compatibility. Apple Pay is a fantastic choice for Apple users looking for a seamless and secure way to make in-store, online, or in-app transactions. It integrates well with the Apple ecosystem and offers superior security thanks to biometric authentication.

However, if you require a more versatile payment platform, Skrill may be a better fit. That’s because it supports online gambling, forex trading, cryptocurrency transactions, and peer-to-peer transfers. It’s accessible across multiple platforms and provides robust security measures to protect your transactions.

At the end of the day, both Apple Pay and Skrill provide reliable and secure payment solutions. But your personal needs and device compatibility will ultimately dictate the best choice for you.

For more comparisons, read our Apple Pay vs PayPal review!

Frequently Asked Questions

Can I use Skrill on an Apple device?

Yes, Skrill is available as an app on the Apple App Store and you can use it on any Apple device, including the iPhone, iPad, and iPod Touch, making it easy to conduct transactions on the go.

Does Apple Pay support cryptocurrency transactions?

As of now, Apple Pay does not support cryptocurrency transactions. While Apple is known for embracing technological advancements, there hasn’t been any official announcement about incorporating cryptocurrency into its payment system yet.

Can I use Apple Pay if I don't have an Apple device?

Unfortunately, no. Apple Pay is exclusively available to Apple users. It’s tightly woven into the Apple ecosystem, and you need an Apple device like an iPhone or Apple Watch to use this payment service.

Which is safer, Apple Pay or Skrill?

Both Apple Pay and Skrill have robust security features. Apple Pay uses biometric authentication, offering fingerprint or face recognition for transaction confirmation, while Skrill employs two-factor authentication and anti-fraud measures, offering secure digital transactions.

Which service supports more currencies, Apple Pay or Skrill?

Skrill supports a wider range of currencies than Apple Pay, with over 40 different options available. This makes it a favorable choice for international users and those dealing with cross-border transactions more frequently.

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