Apple card reader review 2026: tap to pay fees and rating
Based on the Mobeewave technology acquired in 2020; merchants can only use Tap to Pay through licensed PSP apps.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Apple offers Tap to Pay on iPhone for iOS. Transaction fee: on request; monthly fee: n/a. Security certification: n/a. Available in: over 50 countries/regions (incl. USA, Canada, Mexico, Brazil, Chile, Japan, Singapore, Australia.
Apple terms in full
| Product name | Tap to Pay on iPhone |
|---|---|
| Provider type | Infrastruktur-Enabler |
| Headquarters | USA |
| Founded | 1976 (Mobeewave acquired in 2020) |
| Platforms | iOS |
| Certification | proprietary Apple security model (Secure Element), no PCI MPoC statement |
| Transaction fee | n/a |
| Monthly fee | n/a (no direct merchant relationship) |
| Setup cost | n/a |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, American Express, Apple Pay, Google Pay |
| PIN entry on screen | yes (PIN entry on the iPhone display, with accessibility options) |
| Transaction limit | market-dependent, set by issuers/PSPs |
| Target customers | Payment platforms and acquirers as licensees (no direct customers) |
| Available markets | over 50 countries/regions (incl. USA, Canada, Mexico, Brazil, Chile, Japan, Singapore, Australia, New Zealand, UAE, Egypt, South Africa) |
| Website | apple.com |
| Data source | Open primary source ↗ |
Alternatives to Apple
Comparable providers in global:
- Visa — on request, Rating 2.6
- Vipps MobilePay — on request, Rating 2.7
- Aevi — on request, Rating 2.8
- Mastercard — on request, Rating 3.0
- JCB — on request, Rating 3.1
Compare all providers in global →
Frequently asked questions
Apple tap to pay: do I need any extra hardware?
Apple is infrastructure rather than a merchant product. It makes tap to pay possible in the first place; you take payments through a provider built on top of it. Supported platforms: iOS. market-dependent, set by issuers/PSPs.
Which countries is Apple available in?
By our records: over 50 countries/regions (incl. USA, Canada, Mexico, Brazil, Chile, Japan, Singapore, Australia, New Zealand, UAE, Egypt, South Africa). Availability changes, and the date above the table is when we last checked.