Mobile payment apps are becoming more and more popular today because they are easier to use and safer than carrying cash and cards in your wallet.
Once you’ve saved all your bonus cards, coupons, credit and debit cards in the app, shopping is a simple click-to-pay process so you don’t have to search for your wallet every time.
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The two most famous apps are Apple Wallet and Google Pay (formerly Android Pay), both of which work with newer smartphones. They perform almost the same function, although they differ slightly in their strengths and weaknesses. But which Pay app should you use?
We’ll take a look at two mobile wallets side by side to find out how they work and which one is best for you.
Apple Wallet
Apple Wallet
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Apple Wallet offers an easy-to-use, private, and secure electronic payment service for iPhone, iPad, Mac, or Apple Watch users. Once you add your credit, debit, or prepaid card to the app on your preferred iOS device, you can start using it right away.
The app supports retail with PayPass technology, so you can store loyalty cards and even accumulate loyalty points, rewards and benefits as you use them.
In-store, you can pay for in-store purchases using compatible POS systems or card readers by simply quickly pressing the side button on your watch or a saved fingerprint. Thus, you do not need to enter the security code on the card or check its expiration date, because all your information is on your device.
When you shop, every transaction requires authentication with your password, Face ID, or Touch ID for all iOS devices except the Apple Watch, which are protected by a unique password. The transaction information is not stored anywhere, but your receipts are stored in the app. In addition, if your device is stolen or lost, you can permanently suspend or exclude payment from it.
You can also send or receive money using Apple Pay through Messages, or you can ask Siri to pay someone with your debit or credit card stored in the app. If you want to use the money you received right away, you’ll find it on your Apple Pay Cash card in Wallet. You can also transfer money to your bank account from your Apple Pay Cash card.
The wallet is accepted in a variety of places including BabiesRUs, KFC, Starbucks, PetSmart, JetBlue, Champs, Ace Hardware, public transportation systems, and apps and sites like Chipotle, Lyft, Jet, Etsy, Staples, and Ticketmaster.
If you enjoy donating to charity, you can use the app to donate to the American Red Cross, Unicef, Feeding America and more.
Google Pay
Google Pay, or unofficially GPay, is a mobile wallet from Google that has merged its consumer payment products – Google Wallet and Android Pay – into a single unified service. This makes it easy for users to add most of their cards, such as loyalty cards, gift cards, credit and debit cards, for easier payments and faster checkout.
If you have a compatible device, you will see Google Pay in store when you pay or send money online and in other Google products.
The app uses in-store NFC technology to transfer your credit card information between the merchant’s card reader and your mobile phone. Just hold your phone open for a card reader and the transaction will go smoothly.
If you’ve saved your loyalty cards or gift, credit, and debit cards in your Google Wallet or Android Pay apps, you can use them as usual without re-adding them to Google Pay You don’t even need to add another app to use it. All it does is automatically update your device to show the name in the app.
For most users of mobile payment applications, security is always a major concern due to the nature of the financial information transferred in the application. Google Pay manages this with a virtual account number, which keeps your personal information safe on your phone, instead of using your actual credit card number and other sensitive information.
When you shop, Google sends you a security code to confirm the transaction. Unlike Apple Wallet, GPay does not require fingerprint authentication unless you want to unlock the screen, but works with a PIN, password, or pattern. If you lose your phone or get stolen, you can lock it and create a new password, or completely erase all information on it until you restore it.
If all you need is to send money to family and friends, you can try Google Pay Send, which is designed specifically for peer-to-peer transactions.
Google Pay works with Android apps from several e-commerce companies, including Best Buy, Airbnb, McDonald’s, Chevron, Walgreens, Whole Foods, Houzz, Kayak, Instacart, and several others. The list is growing.
Which is better – Apple Wallet or Google Pay?
Which is better – Apple Wallet or Google Pay?
Choosing between Apple Wallet and Google Pay doesn’t have to be difficult. Judging by the names of the apps, you might already guess that Apple Wallet works with iPhones, while Google Pay is for Android phones.
Both paid apps give you the option to authenticate payments using common phone unlocking methods. For Apple Wallet, you can use a passcode, fingerprint, Face ID, or Touch ID, and Google Pay works when your phone is unlocked with a password, pattern, PIN, or fingerprint.
What sets Apple Pay apart is that it supports online purchases through the Safari browser, and Google Pay integrates with other Google services so you can transact on Gmail, Android Messages, Google Home, and more. However, if you have a Samsung device, you will have the option to use Samsung Pay or Google Pay, one of which should be set as the default Pay app.
Thus, your choice will completely depend on the device you own, in which case you can use the Pay option as an added convenience.
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