Apple Pay Usage Statistics In 2024
Since its launch in October 2014, Apple Pay has led the digital payment industry. Initially available in the United States, it quickly gained traction, with over 1 million payment cards activated within the first 72 hours. By the end of 2016, Apple Pay had around 67 million users worldwide.
Now in 2024, Apple Pay is anticipated to have over 638 million users globally, with approximately 51.5 million in the United States alone. Currently, Apple Pay holds a 92% share of the global mobile payment market.
For a closer look at these numbers, read on to explore the latest Apple Pay statistics and trends.
Apple Pay Statistics (Top Picks)
- It is estimated that Apple Pay will have 638 million users globally by the end of 2024.
- In the US, Apple Pay is anticipated to have 51.5 million users in 2024.
- Apple Pay holds 92% of the global digital wallet market
- Apple Pay Later achieved a 19% usage rate within three months of its release.
- Annually, Apple Pay processes $6 trillion in transactions.
How Many People Use Apple Pay?
Apple Pay is expected to have 638 million users in 2024, which will be an 852.24% increase from 2016. The number of users is further projected to grow to 705 million by 2027.
Over the past decade, the Apple Pay user base has grown at an average annual rate of about 37%.
For a detailed year-by-year breakdown of Apple Pay users, refer to the table below:
| Year | Apple Pay Users |
| 2016 | 67 million |
| 2017 | 137 million |
| 2018 | 292 million |
| 2019 | 441 million |
| 2020 | 507 million |
| 2021* | 553 million |
| 2022* | 584 million |
| 2023* | 617 million |
| 2024* | 638 million |
| 2025* | 659 million |
| 2026* | 681 million |
| 2027* | 705 million |
Source: Capital One
Apple Pay Users In The US
As of 2024, Apple Pay is expected to have 51.5 million users in the US, a significant growth of 91.4% from 2019. The user base is projected to increase by 11.3 million from 2022 to 2026.
5 out of 10 Americans used Apple Pay at restaurants or stores between 2020 and 2021.
Explore the growth of Apple Pay users in the US from 2019 to its projected growth in 2026 in the table below:
| Year | Apple Pay Users |
| 2026* | 56.7 |
| 2025* | 54.2 |
| 2024* | 51.5 |
| 2023 | 48.7 |
| 2022 | 45.4 |
| 2021 | 41.7 |
| 2020 | 35.5 |
| 2019 | 26.9 |
Source: Statista
Apple Pay Usage By Country
The United Kingdom leads in Apple Pay usage for in-store payments at 67%, notably higher than the US at 60%. As of early 2024, the use of Apple Pay in the United States was higher than in France and Canada, except for in-store transactions. In France, 6 out of 10 people use Apple Pay either in stores or at restaurants.
The table below shows Apple Pay’s payment usage statistics across various countries for both in-store and online transactions:
| Country | In-Store Payments | Online Payments |
| United Kingdom | 67% | 40% |
| Canada | 65% | 34% |
| United States | 60% | 38% |
| Australia | 52% | 39% |
| France | 59% | 19% |
| Sweden | 47% | 29% |
| Switzerland | 43% | 31% |
| Austria | 53% | 19% |
| Netherlands | 46% | 25% |
| Germany | 43% | 17% |
| Finland | 39% | 17% |
| Italy | 39% | 15% |
| Spain | 30% | 15% |
Source: Statista
Apple Pay’s Rise In The US Market
In 2024, Apple Pay had 51.5 million users in the US, leading Google Pay by approximately 83.9%. By 2026, Apple Pay’s user base is expected to grow by 10.1%, while Starbucks, closely behind, is predicted to grow by 9.1%.
From 2019 to 2024, Apple Pay’s user base saw a solid 91.5% increase. Although Google Pay experienced a larger growth rate, rising 104.4%, Apple Pay still led with the highest number of users in 2024.
Source: Statista
Apple Pay User Demographics
Apple Pay usage is highest among younger generations. Generation Z leads, with 73.1% of digital wallet users using Apple Pay weekly. Generation X follows closely, with 52.4% using it weekly, and Millennials are slightly behind at 51.1% weekly usage.
Baby Boomers and the Silent Generation have much lower usage, with only 0.2% using Apple Pay. Overall, just 43.9% of digital wallet users born before 1965 use Apple Pay weekly.
Explore how Apple Pay usage varies by generation in the table below:
| Generation | Birth Years | Apple Pay Users | Weekly Users Among Digital Wallet Owners |
| Generation Z | 1997-2012 | 2.5% | 73.1% |
| Millennials | 1981-1996 | 4.0% | 51.1% |
| Generation X | 1965-1980 | 1.1% | 52.4% |
| Baby Boomers and Silent Gen | Before 1965 | 0.2% | 43.9% |
Source: Capital One
Apple Pay Market Share Statistics
As of 2024, Apple Pay holds 92% of the global digital wallet market. In the United States, Apple Pay holds a 43.9% share of the mobile payment market, and most people have used it at least once. Surprisingly, Starbucks ranks second, with 31.2 million users in the US, surpassing Google Pay.
Source: BusinessofApps
Website Market Share Of Apple Pay
Apple Pay’s market share on websites is significantly higher in the United States and Canada, compared to Europe. As of 2024, Canada leads with 11.91% of websites featuring Apple Pay. The United States and New Zealand follow closely with 10.85% of their websites integrating Apple Pay.
In Europe, adoption rates are lower. For example, only 6.16% of German websites with payment technologies include Apple Pay.
Check out the table for Apple Pay usage by merchants on websites worldwide:
| Country | Number of Websites | Share of Websites |
| United States | 1,232,262 | 10.85% |
| United Kingdom | 113,938 | 8.53% |
| Australia | 93,198 | 9.38% |
| Canada | 61,080 | 11.91% |
| Germany | 57,730 | 6.16% |
| France | 31,609 | 7.69% |
| Italy | 25,604 | 6.19% |
| Netherlands | 20,963 | 6.58% |
| Japan | 20,410 | 10.78% |
| New Zealand | 16,112 | 10.85% |
| Spain | 13,325 | 5.02% |
| Switzerland | 10,590 | 6.72% |
| Sweden | 10,182 | 4.35% |
Source: Statista
Apple Pay Adoption Statistics
Apple Pay is accepted in 84 countries globally, with over 90% of US retailers now accepting it. As of 2024, Apple Pay is supported by over 6,200 banks globally, with 88.2% of these banks serving customers in the US.
Retail companies make up the largest portion of businesses that accept Apple Pay, accounting for 23% of all businesses. The apparel and fashion sector is the second-largest, with 6% of businesses accepting Apple Pay.
Sources: Statista, MoneyTransfers
| Company | Monthly Visits |
| target.com | 247.9 million |
| bestbuy.com | 189.5 million |
| nike.com | 185.5 million |
| hm.com | 132.0 million |
| lowes.com | 133.0 million |
| asos.com | 104.5 million |
| uniqlo.com | 85.6 million |
| walgreens.com | 67.7 million |
| oldnavy.gap.com | 62.4 million |
| jcpenney.com | 62.3 million |
Source: Capital One
Apple Pay Is The Top Choice For In-Store Transactions
In the US, people use Apple Pay in stores nearly three times more than any other digital wallet. Google Pay, the second most popular option, is chosen 17% of the time by in-store digital wallet users. Globally, the digital wallet market was valued at $269 billion in 2023 and is projected to grow at a CAGR of 22%, reaching $1.97 trillion by 2033.
Spending Habits Of US Consumers With Apple Pay
American consumers spent over $213 billion with Apple Pay in 2023.
As of 2024, 6 out of 10 Americans use Apple Pay in-store while 4 out of 10 Americans use it for online shopping. During Black Friday/Cyber Monday, 12.7% of shoppers used Apple Pay for both online and in-store purchases in 2022.
Apple Pay's Annual Revenue
Apple Pay earns money through Apple Pay Cash and Apple Card.
Apple Pay was expected to generate $4 billion in global revenue in 2023, up from $1.9 billion in 2022. This forecasted revenue would be about 110.5% higher than in 2022 and shows notable growth from the $988 million earned in 2019.
See the table below for a breakdown of Apple Pay’s year-on-year revenue growth:
| Year | Annual Revenue |
| 2019 | $0.998 billion |
| 2020 | $1.05 billion |
| 2021 | $1.00 billion |
| 2022 | $1.90 billion |
| 2023* | $4.00 billion |
What Is Apple Pay’s Global Payment Volume?
Apple Pay has seen rapid growth since its launch in 2013, now processing $6 trillion annually and accounting for 92% of mobile wallet debit transactions. In fact, Apple Pay is now the second most popular digital payment system, following Visa.
Visa remains the leader, handling over $10 trillion in transactions annually. Meanwhile, Apple Pay’s transactions exceed Mastercard’s $4.8 trillion and match Alipay’s $6 trillion.
Source: Statista
Apple Pay Later Adoption Stats
Apple Pay Later quickly gained traction within three months of its release, nearing Affirm’s BNPL penetration in the United States. PayPal leads the Buy Now Pay Later (BNPL) market with 39% of respondents using it, followed by Afterpay at 33%.
Affirm was used by 27% of respondents, while Apple Pay Later had a 19% usage rate. This highlights the growing popularity of alternative installment payment options in the U.S.
| Payment Platform | Share of Respondents |
| PayPal | 39% |
| Afterpay | 33% |
| Affirm | 27% |
| Apple Pay Later | 19% |
Source: Statista
Apple Pay Security Stats
Apple has heavily invested in secure payment technologies like Apple Pay and StoreKit, which are used by nearly 943,000 apps to sell goods and services on the App Store. With Apple Pay, credit card numbers are never shared with merchants, reducing the risk of fraud.
In 2022, Apple blocked nearly 3.9 million stolen credit cards and banned 714,000 accounts from making fraudulent purchases, preventing $2.09 billion in fraudulent transactions on the App Store.
Source: Apple
Looking Ahead
Looking ahead, Apple Pay plans to introduce new features like automatic receipts and multi-purpose tap functionality, making it even more convenient for users. With more countries adopting Apple Pay in their retail and banking systems, this reinforces its leadership in the digital wallet market.
Additionally, Apple will focus on sustainability, introducing eco-friendly initiatives such as digital receipts and incentives for environmentally conscious use. These advancements will keep Apple Pay at the forefront of the digital payment industry, setting new standards and offering innovative solutions worldwide.
