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Google Pay

Google Pay

Android Mobile Payments

VS

Apple Pay

Mobile & contactless payments

Apple Pay
Fees from
Free for consumers, merchant fees via processor vs Custom
Features

1 shared

2 unique to Apple Pay
Regions

4 shared

4 unique to Apple Pay
Pay methods

2 shared

2 unique to Google Pay · 3 unique to Apple Pay

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3 features · 7 payment methods · 8 regions. We don't rank these — they're here for reference.
Google Pay Google Pay
Apple Pay Apple Pay
Quick Facts
Fees
Standard transaction rate
Free for consumers, merchant fees via processor
Custom
Settlement
Time to receive funds
Same day
Varies by payment processor
Founded
2015
2014
Headquarters
Mountain View, California
Cupertino, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
—
Features
Apple Pay leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
—
✓
Payment Methods
Apple Pay leads (5 vs 4)
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Google Pay Unique
✓
—
Nfc Unique
—
✓
Regions
Apple Pay leads (8 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

Google Pay is best when you...

Android Mobile Payments
View Google Pay

Apple Pay is best when you...

Mobile & contactless payments
Need Enterprise
Not available with Google Pay
Need Low Fees
Not available with Google Pay
Want coverage in Africa, Latin America, Middle East, Southeast Asia
Google Pay doesn't cover these regions
View Apple Pay

Frequently Asked Questions

What is the difference between Google Pay and Apple Pay?
They share 2 payment methods and 4 regions. Google Pay adds Bank Transfer, Google Pay that Apple Pay does not list; Apple Pay adds Apple Pay, Contactless, NFC that Google Pay does not list; Apple Pay also covers Africa, Latin America and 2 more; only Apple Pay offers Enterprise, Low Fees.
Which is cheaper, Google Pay or Apple Pay?
Google Pay has published rates from Free for consumers, merchant fees via processor; Apple Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Google Pay and Apple Pay?
Google Pay lists 4 regions and 4 payment methods; Apple Pay lists 8 and 5. both cover Asia, Europe, North America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Google Pay and Apple Pay compare on integration and settlement?
both offer a sandbox; Google Pay supports webhooks; Google Pay settles in Same day, Apple Pay in Varies by payment processor.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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