Ostateczne porównanie Google Pay vs. Apple Pay. Dowiedz się więcej o kluczowych funkcjach i różnicach między wiodącymi na świecie portfelami mobilnymi.
Spis treści
Did you know that over 60% of the population is predicted to switch over to mobile wallets instead of traditional credit cards and cash before 2026?
This market has only a few competitors, with Google Pay and Apple Pay occupying the largest share.
While both offer secure, contactless payment solutions and additional features like loyalty cards and peer-to-peer transfers, each has its unique advantages and limitations.
In this article, we’ll examine the strengths and weaknesses of Google Pay and Apple Pay, and take a look into their key features.
Kluczowe wnioski
- Google Pay is a user-friendly mobile payment service for Android users, allowing in-app, online, and contactless purchases.
- Apple Pay is a digital wallet that uses NFC technology to facilitate in-person, in-app, and web payments.
- Google Pay is compatible with a wide range of Android and Fitbit devices, supporting major payment networks, while Apple Pay is exclusive to Apple devices.
- Both Google Pay and Apple Pay do not charge users for standard mobile payments, though any fees from card issuers still apply.
- Google Pay provides a flexible and user-friendly experience across Android devices and limited iOS features, while Apple Pay offers a sleek, minimalistic interface deeply integrated within the Apple ecosystem.
- Both Google Pay and Apple Pay use tokenization and biometric authentication for secure transactions.
- Google Pay offers various merchant loyalty programs and cashback deals directly through the app, while Apple Pay provides a Daily Cash rewards system with up to 3% cashback.
- Google Pay’s customer support is mainly provided through online resources and has received mixed reviews, with some users experiencing difficulties in resolving issues, whereas Apple Pay is praised for its responsive and effective customer support available through phone, chat, and in-store assistance.
Before we dive in, we have a question for you:
Google Pay Overview
Let’s take a quick look at the basics of these two mobile wallets.
What Is Google Pay
Google Pay is a mobile payment service developed by Google that allows users to make in-app, online, and in-person contactless purchases.
Launched as Android Pay in 2015 and later rebranded to Google Pay, it offers easy-to-use wallet software for all Android users.
Google Pay Key Features
Google Pay’s key features are:
- Secure, contactless payments in-store using NFC technology on Android devices and Wear OS smartwatches.
- Besides bank cards, Google Pay allows you to store loyalty cards, as well as boarding passes and event tickets. It also supports storing digital IDs in some regions.
- Offers cashback and discounts from partnered merchants
When to Use Google Pay
Google Pay is ideal for Android users for making contactless payments in-store, online, or in-app.
It integrates seamlessly with Google services like Google Calendar for booking event tickets and Google Assistant for voice-activated payments.
Apple Pay Overview
Now let’s move on to the Apple Pay overview.
What Is Apple Pay
Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari.
Launched in October 2014, it uses NFC technology, supports a wide range of currencies, and is available in over 80 countries.
Apple Pay Key Features
Apple Pay’s key features include:
- Sending and receiving money directly through iMessage, the Apple Cash system.
- Works with a wide range of Apple devices, including iPhone, Apple Watch, iPad, and Mac.
- Offers additional benefits like cashback on purchases, integrated within Apple Pay for easy access.
When to Use Apple Pay
Apple Pay is particularly beneficial for those within the Apple ecosystem, as it integrates seamlessly with other Apple services and devices.
Related: Check out the latest Apple sales statistics to better understand their recent performances in the marketplace.
Google Pay vs. Apple Pay: Key Differences
Both of these digital wallets share a lot of similar traits and features. However, there are still some major differences that might lead you to choose one over the other. Let’s take a look:
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Comparison | Google Pay | Apple Pay |
---|---|---|
Supported Devices and Platforms | Compatible with a wide range of Android devices. Limited functionality on iOS devices | Exclusive to Apple devices |
Koszt | No fees for standard transactions. Fees may apply for international money transfers | No fees for using the service. Standard card fees still apply. |
User Experience and Interface | User-friendly interface with integration into Google services. | Sleek, intuitive interface. Consistently high user satisfaction |
Funkcje bezpieczeństwa | Uses tokenization, encryption, and biometric authentication. | Uses tokenization, encryption, and biometric authentication (Face ID, Touch ID). Dedicated security chip in devices. |
Payment Methods and Transactions | Supports contactless payments, in-app purchases, and online transactions. | Apple Pay also supports all payment methods. |
Rewards and Loyalty Programs | Integrates with various merchant loyalty programs. Offers cashback. | Offers Daily Cash rewards through the Apple Card. Supports loyalty cards in the Apple Wallet. |
International Availability | Available in 80+ countries. Functionality varies by region. | Available in over 80 countries. Consistent feature set across regions, with some limitations on services like Apple Cash. |
Obsługa klienta | Mixed reviews on customer support. | Highly rated customer support with multiple channels, including phone, chat, and in-store assistance. |
Supported Devices and Platforms
Google Pay is compatible with a broad range of Android devices, including smartphones, tablets, and smartwatches running Wear OS.
It also extends support to Fitbit devices that run on Fitbit OS. Google Pay also supports a variety of payment networks such as Visa, Mastercard, American Express, and Discover.
Apple Pay, on the other hand, is exclusive to Apple devices. It is compatible with iPhones, iPads, Apple Watches, and Macs.
Apple Pay also integrates with the Apple Wallet, enabling users to store and manage their cards, tickets, and passes digitally. Apple Pay is widely accepted in over 80 countries worldwide and supports a range of credit and debit cards from various issuers.
Koszt
Google Pay and Apple Pay do not charge users for making standard mobile payments, whether it’s in stores or online.
However, there may still be associated costs depending on your card issuer and the type of transaction.
Dla Google Pay, there are no fees directly imposed by the service itself for making payments. However, any fees that would normally apply to your physical card, such as foreign transaction fees or late payment penalties, still apply when using Google Pay.
Apple Pay similarly does not charge users for transactions made through the service. But just like Google Pay, any fees associated with the linked credit or debit card, such as interest charges or foreign transaction fees, remain applicable.
User Experience and Interface
Google Pay offers a solid user experience across various Android devices and even iOS, though with limited features on the latter.
Users can easily navigate through their payment history, card details, and rewards programs. Google Pay also leverages Google Maps to help users find partner locations offering discounts and rewards.
Apple Pay, on the other hand, is deeply integrated within the Apple ecosystem. The interface is sleek and minimalistic, focusing on ease of use and quick access. Additionally, Apple Pay’s integration with Apple devices means users can easily switch between their devices without losing functionality.
Funkcje bezpieczeństwa
Google Pay uses tokenization to protect users’ card information. When a payment is made, Google Pay sends a virtual account number instead of the actual card details.
This virtual number is encrypted, safeguarding data during transactions. Additionally, Google Pay uses biometric authentication methods, such as fingerprint recognition and Face ID, to verify user identity before completing a transaction.
If a device is lost or stolen, users can remotely lock it, log out of their Google account, or erase data using Google’s Find My Device service.
Apple Pay also uses tokenization, replacing card details with a unique device account number encrypted and stored in the Secure Element, a dedicated chip on Apple devices.
Apple Pay does not store or share the actual card numbers with merchants, which protects user data from being exposed during transactions.
Payment Methods and Transactions
Google Pay processes in-store purchases through NFC-enabled devices, online transactions, and select peer-to-peer payments.
Users can make contactless payments by tapping their phone at compatible terminals, while online transactions are streamlined with the “Buy with Google Pay” button on websites and apps.
Although Google has discontinued its peer-to-peer payment feature in the U.S. as of June 2024, users can still use it in other regions to send money to friends and family.
Apple Pay similarly supports in-store, online, and peer-to-peer transactions. Additionally, Apple Pay enables peer-to-peer payments through Apple Cash, allowing users to send and receive money within the Messages app.
Both services offer good transaction options, with the main difference being the recent changes to Google Pay’s peer-to-peer functionality in the U.S.
Rewards and Loyalty Programs
Google Pay connects users with a variety of merchant loyalty programs, allowing them to earn rewards points and cashback directly through the app. For example, users can receive 2.5% cashback at certain stores or special deals like 3 months of YouTube Premium for free.
Apple Pay, integrated with the Apple Card, offers a streamlined rewards system called Daily Cash. Users earn 3% cashback on purchases made with Apple and select merchants like Nike, T-Mobile, and Exxon, 2% on all other Apple Pay purchases, and 1% on purchases made with the physical Apple Card.
This cashback is issued daily and can be used immediately for purchases, transferred to a bank account, or saved in an Apple savings account with a competitive interest rate.
International Availability
Apple Pay is available in over 80 countries worldwide. Its coverage includes major regions such as North America, Europe, Asia-Pacific, and Latin America. However, the availability of specific features like Apple Cash is limited to the United States.
Google Pay also has similar broad international availability, supporting over 90 countries. It is widely used across North America, Europe, and Asia-Pacific.
Obsługa klienta
Google Pay’s customer support has mixed reviews. Users appreciate the convenience and security of the service, but some have reported difficulties in resolving issues with transactions and account management.
The primary method of support is through online resources and help centers, with limited direct customer service options. Some users have expressed frustration with the lack of buyer protection and the tendency to redirect issues to banks or card issuers.
Apple Pay, on the other hand, generally receives positive feedback for its customer support. Apple provides multiple support channels, including phone, chat, and in-store assistance at Apple Stores. Users often praise the responsiveness and effectiveness of Apple’s support team in resolving issues quickly.
Google Pay vs. Apple Pay: Pros & Cons
Now, let’s go over the pros and cons of Google & Apple Pay:
Google Pay Pros & Cons
First, let’s look at Google Pay’s pros and cons.
Google Pay Pros:
- Works on a variety of Android devices and some iOS devices
- High-security thanks to the tokenization and multiple safety layers
- Tracks and archives payments, invoices, and transaction details
- Supports multiple payment methods
- Includes functionalities like bill splitting, searching transactions, and managing loyalty programs
Google Pay Cons:
- Not all banks and regions support Google Pay
- Bank account transfers can take 3-5 business days to process
- Users have reported that the app can sometimes be slow or experience issues during logins
Apple Pay Pros & Cons
Finally, let’s go over Apple Pay.
Apple Pay Pros:
- Simple setup and seamless integration across all Apple devices
- Accepted at most point-of-sale systems and online stores in the U.S.
- Can be used without an internet connection
- Multiple support channels, including phone, chat, and in-store assistance
Apple Pay Cons:
- Only available on Apple devices
- Some features, like Apple Cash, are not available outside the U.S.
Which Is Best?
Ultimately, the choice between Google Pay and Apple Pay comes down to your and your client base’s preferred ecosystem.
If you and most of your clients use Apple’s closed system, then Apple Pay is a no-brainer choice.
However, if you have a diverse client base who use various devices, you might be better off with Google Pay – or even a mix of both.
Najczęściej zadawane pytania
Yes, you can use Google Pay on an iPhone, but it does not support tap-to-pay. You can send and receive money nad make online purchases.
No, Apple Pay does not charge additional fees for transactions. Standard card fees from your bank may still apply.
Some of the disadvantages include limited availability on non-Apple devices, dependence on specific banks, and the need for compatible Apple hardware and software.
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