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Apple · Launched 2014
Tokenised wallet that rides existing card rails. Merchants pay no incremental Apple fee, the cost is whatever the underlying card costs, but issuers pay Apple a share of interchange.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Underlying card rate; no incremental merchant fee.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a £100.00 payment for comparison.
| 2.9% + CA$0.42 |
| CA$3.32 |
| 3.32% |
| 20 Aug 2023 |
| Estimate |
 Denmark | 2.9% + DKK 1.95 | DKK 4.85 | 4.85% | 27 Jul 2023 | Estimate |
 France | 2.9% + €0.26 | €3.16 | 3.16% | 30 Oct 2021 | Estimate |
 Germany | 2.9% + €0.26 | €3.16 | 3.16% | 25 Nov 2024 | Estimate |
 Hong Kong | 2.9% + HK$2.35 | HK$5.25 | 5.25% | 25 Dec 2024 | Estimate |
 Ireland | 2.9% + €0.26 | €3.16 | 3.16% | 9 Apr 2025 | Estimate |
 Israel | 2.9% + ₪0.91 | ₪3.81 | 3.81% | 12 Feb 2023 | Estimate |
 Italy | 2.9% + €0.26 | €3.16 | 3.16% | 10 Jun 2022 | Estimate |
 Japan | 2.9% + ¥47 | ¥50 | 49.90% | 13 Sept 2022 | Estimate |
 Netherlands | 2.9% + €0.26 | €3.16 | 3.16% | 1 Dec 2021 | Estimate |
 New Zealand | 2.9% + NZ$0.52 | NZ$3.42 | 3.42% | 24 Nov 2022 | Estimate |
 Norway | 2.9% + NOK 2.82 | NOK 5.72 | 5.72% | 12 Dec 2023 | Estimate |
 Singapore | 2.9% + SGD 0.38 | SGD 3.28 | 3.28% | 19 Jan 2023 | Estimate |
 Spain | 2.9% + €0.26 | €3.16 | 3.16% | 14 May 2023 | Estimate |
 Sweden | 2.9% + SEK 2.95 | SEK 5.85 | 5.85% | 11 Jul 2023 | Estimate |
 Switzerland | 2.9% + CHF 0.25 | CHF 3.15 | 3.15% | 22 Jul 2024 | Estimate |
 United Arab Emirates | 2.9% + AED 1.10 | AED 4.00 | 4% | 10 Jul 2022 | Estimate |
| United Kingdom | 2.9% + £0.22 | £3.12 | 3.12% | 2 Nov 2021 | Estimate |
 United States | 2.9% + $0.30 | $3.20 | 3.20% | 9 Jan 2023 | Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
Underlying card funding mix shifted.
Volume tier thresholds revised.
In United Kingdom, on the online channel: 2.9% + £0.22, in force since 2 Nov 2021 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 20 markets here: Australia, Canada, Denmark, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, and others. A market missing from the list has not been recorded yet, which does not mean Apple Pay is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
Australia