From the looks of it, Apple seems to be the real secure payment system whereas Google seems to still track all of your payments data.
Came across this great visual breakdown comparing how Apple Pay and Google Pay handle credit card info. Apple uses on-device chip storage and creates a Device Account Number (DAN), while Google stores payment tokens via its servers. Curious—what do you all think is more secure, and why?
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Which is more secure, Google Pay or Apple Pay?
Both use strong security features like encryption and biometric authentication. For even stronger security and no card data at all, consider open banking payments, which runs on regulated APIs and transfers money from account to account.
Does Apple Pay have lower merchant fees than Google Pay?
No—both charge standard card processing fees since they run on the same card networks. If you want to reduce transaction costs, open banking offers a more cost-efficient alternative.
What are the countries in which
Google Pay and
Apple Pay has more customers?
Apple Pay has more customers in United States, United Kingdom and France.