Which is better Apple Pay or cash App?
Apple Pay has 763 reviews and a rating of 4.73 / 5 stars vs Cash App which has 524 reviews and a rating of 4.31 / 5 stars. Compare the similarities and differences between software options with real user reviews focused on features, ease of use, customer service, and value for money.
Cons of Apple Pay
Apple Pay is not accepted at all retailers and not compatible with all banks or card issuers. Backup may be required, just in case. Apple Pay only works if your phone does. You may still need to carry a physical credit card as a backup in case your battery dies or you misplace your phone.
- Google Pay. Best for Android Users. Jump To Details. ...
- Cash App. Best for Buying Stocks and Bitcoin. ...
- PayPal. Best for Shopping Online. ...
- Zelle. Best for Instant Bank-to-Bank Transfers. ...
- Apple Pay. Best for Purchases iOS and Mac Users. ...
- Samsung Pay. Best for Contactless in-Store Purchases. ...
- Venmo. Best for Paying Friends.
Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity aren't shared with merchants, and your actual card numbers aren't stored on your device or on Apple servers.
There's no fee from Apple when you use Apple Pay.
Apple Pay provides security
Apple Pay requires you to use Face ID, Touch ID, or your passcode to make a purchase. So even if your phone is stolen, no one else can use your Apple Pay to buy something. On the other hand, a thief could easily use your stolen credit card at a store that doesn't match IDs and cards.
Unfortunately, this means that an Apple Cash transfer can't be reversed (because you authorized the transfer). But if you used Apple Pay to send money to a fraudulent store or scammer, you can dispute the transaction. Go to Latest Transactions and select the fraudulent payment that you wish to dispute.
Cash App uses cutting-edge encryption and fraud detection technology to make sure your data and money is secure. Any information you submit is encrypted and sent to our servers securely, regardless of whether you're using a public or private Wi-Fi connection or data service (3G, 4G, or EDGE).
Users can obtain FDIC coverage through three of the four apps: Apple Cash, Cash App, and Venmo. (Zelle, which is co-owned by seven of the largest U.S. banks, transfers funds directly between FDIC-insured bank accounts and does not hold funds in-app as the others do, so funds are covered.)
Google Pay
The Android mobile payment app is Google Pay which comes preloaded on Android smartphones. It is accepted at many retail stores, including Bloomingdale's, Chick-Fil-A, KFC, Nike and Staples, and also online services such as Airbnb and DoorDash.
Why is everyone using Apple Pay?
Apple Pay allows you to make easy, secure, and private transactions in stores, in apps, and on the web. You can also send and receive money with friends and family using Apple Cash (U.S. only). And with contactless rewards cards in Wallet, you can receive and redeem rewards when you pay using Apple Pay.
In fact, Apple Pay is one of the safest ways to pay using a credit or debit card. Apple Pay doesn't share your card number with merchants.
With your Apple Cash, Apple Card, and other credit and debit cards stored in the Wallet app on iPhone, you can use Apple Pay for secure, contactless payments in stores, restaurants, and more.
When you transfer money from your Apple Cash1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer2 to send funds instantly3 to an eligible Mastercard or Visa debit card. You can also send money to an individual in Messages or Wallet.
The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay. Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.
If you see 'apple.com/bill' on your billing statement
Apple.com/bill appears on your billing statement when you buy an app, music, movie, or other content from Apple. It also appears when a subscription renews and when a family member buys apps or content from Apple.
Be careful when using Apple Pay on public Wi-Fi, whether you're making a purchase, checking your Wallet, or even adjusting your settings. If the network isn't secure, a hacker might pick up everything they need when you access the app. When in doubt, turn off your Wi-Fi and use cell data while in public.
Only add cards to an Apple Pay device when the Wi-Fi network is secure. Hackers are remarkably clever and have ways to "eavesdrop" on your online activity. The safest place to add cards is on a password-protected Wi-Fi network at home.
Neither Apple nor a user's device sends the full credit or debit card numbers to merchants. Apple may receive anonymous transaction information such as the approximate time and location of the transaction, which helps improve Apple Pay and other Apple products and services.
You don't give your physical card to anyone, and Apple doesn't share your actual card numbers with retailers. Instead, they receive a transaction-specific code to process your payment, and because that code can only be used once, your accounts are better protected against fraud.
Does Apple Pay show your name when sending money?
Since Apple Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.
- Open the request in the Messages app, then tap Pay on the message.
- Review the amount to send. Tap the Send button to continue. ...
- Double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
Cash App initially limits the amount you can send and receive to $250 in a week and $1,000 per month, although you can increase this by going through an additional verification process. You can also not withdraw more than $1, 000 per week via an ATM or cash back using your debit card.
It is generally safe to give your SSN to Cash App, as long as you are using the official Cash App app and website and you take steps to protect your account from fraud. Cash App uses industry-standard security measures to protect your personal information, including encryption and fraud detection.
Balance limits
Your Cash App balance stores any funds you receive or add to your account. If you haven't verified your identity, your balance limit is $1,000. After verifying your identity, you'll have an unlimited cash balance.
