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Reddit
reddit.com › r/applewallet › apple pay vs google pay: which is more secure? 🔐
r/AppleWallet on Reddit: Apple Pay vs Google Pay: Which is More Secure? 🔐
July 11, 2025 -

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?

People also ask

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.

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noda.live
noda.live › articles › apple pay vs google pay & alternatives for your business
Apple Pay vs Google Pay for Merchants | Noda
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.

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noda.live
noda.live › articles › apple pay vs google pay & alternatives for your business
Apple Pay vs Google Pay for Merchants | Noda
What are the countries in which Google Pay and Apple Pay has more customers?
Google Pay has more customers in Germany, United Kingdom and United States.
Apple Pay has more customers in United States, United Kingdom and France.
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6sense.com
6sense.com › technographics › mobile-payments › google pay vs apple pay
Google Pay vs Apple Pay: Mobile Payments Comparison
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Clover
blog.clover.com › home › food and beverage › how does apple pay compare to google pay?
How does Apple Pay compare to Google Pay? - Clover Blog
November 16, 2023 - If paying with a smartwatch, the user needs to open the Google Pay app and hold it near the terminal until he/she feels or hears a buzz. They may also be prompted to enter a PIN number for a debit card or select “credit” to complete the payment. Apple Pay – Users can make peer-to-peer (P2P) payments via Apple Cash through the Messages app on their device, or they can ask Siri to pay someone using a credit or debit card stored in the app.
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Chargeflow
chargeflow.io › blog › apple-pay-vs-google-pay-statistics-adoption-rates-market-share
Apple Pay vs Google Pay: 2025 Statistics, Adoption Rates, and Surprising Trends
June 13, 2025 - Apple Pay leads digital wallet payments with ~744 million users, U.S. dominance, and transit integration, ideal for iPhone users. Google Wallet shines with 200-250 million users, Android flexibility, and privacy features, kinging in emerging markets.
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Fitzsimonscu
fitzsimonscu.com › home › blog › which mobile wallet is right for you: apple pay vs paypal vs google wallet
Which Mobile Wallet is Right for You: Apple Pay Vs Paypal Vs Google Wallet - Fitzsimons Credit Union
February 4, 2025 - Whereas Apple Pay is only available on the iPhone, Google Wallet can be used on a number of different devices, making it the clear winner for anyone who prefers an Android to an iPhone. Where Google Wallet loses points is security.
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Noda
noda.live › articles › apple pay vs google pay & alternatives for your business
Apple Pay vs Google Pay for Merchants | Noda
July 16, 2025 - Google Pay gives merchants access to a huge global audience. It’s a digital wallet for Android users, who make up over 70% of the world’s smartphone market—more than 3.5 billion people across 190 countries. Apple Pay, on the other hand, is built into iPhones, iPads, and Apple Watches, offering quick, easy checkout for around 1.4 billion active Apple users worldwide.
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Jotform
jotform.com › home › how to accept payments online › apple pay vs google pay
Apple Pay vs Google Pay | The Jotform Blog
October 8, 2025 - Apple Pay isn’t a payment intermediary, doesn’t track your transactions, and doesn’t store your card information on its servers. Google Pay, on the other hand, encrypts, saves, and stores your card information on its servers after you provide your card details during the initial setup process.
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Worldpay
worldpay.com › en-SG › insights › articles › apple-pay-vs-samsung-pay-vs-android-pay
Apple Pay Vs Samsung Pay Vs Android Pay | Insights | Worldpay
Samsung's eWallet, Samsung Pay, first was introduced in August 2015. eMarketer estimates that there were 9.9 million US Samsung Pay users in 2018. A 2018 study by Auriemma Consulting Group found that Samsung Pay users were the most engaged among the Pays” with Samsung Pay users making 7.3 transactions per month, compared to 5.5 transactions per month for Apple Pay and Google Pay users.
Find elsewhere
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SoyaCincau
soyacincau.com › 2022 › 11 › 15 › google-pay-vs-apple-pay-vs-samsung-pay-who-does-it-better-in-malaysia
Google Pay vs Apple Pay vs Samsung Pay: Who does it better in Malaysia? - SoyaCincau
That being said, once the cards are registered, Google Pay definitely pulls out ahead. While both Samsung and Apple require you to use some kind of shortcut to pay—a double tap of the power button for Apple Pay and a swipe from the bottom for Samsung Pay—Google Pay will automatically detect contactless payment terminals and pay without needing you to do anything.
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6sense
6sense.com › technographics › mobile-payments › google pay vs apple pay
Google Pay vs Apple Pay: Mobile Payments Comparison
In the Mobile Payments market, Google Pay has a 2.22% market share in comparison to Apple Pay’s 0.59%. Since it has a better market share coverage, Google Pay holds the 3rd spot in 6sense's Market Share Ranking Index for the Mobile Payments category, while Apple Pay holds the 4th spot.
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GMS
globalmatrixsolution.com › home › software › apple pay vs google pay – a comprehensive analysis
Apple Pay vs Google Pay – A Comprehensive Analysis - GMS
October 12, 2024 - Credit and a payment card, as well as the option to link PayPal addresses for frictionless payments, are all supported by Google Pay. Unlike Apple Pay, Google Pay employs multiple technologies for payments.
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CNET
cnet.com › tech › mobile › phones › apple pay vs. google pay vs. samsung pay: mobile payments compared
Apple Pay vs. Samsung Pay vs. Google Pay: Which mobile payment system is best? - CNET
June 17, 2019 - Samsung requires an iris scan, fingerprint or PIN to confirm purchases. But Google Pay only needs your phone to be unlocked with fingerprint, password, pattern or PIN before transactions can go through.
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Intellias
intellias.com › guide-to-mobile-wallets-apple-pay-google-pay-and-how-they-re-transforming-fintech
Digital Wallet Implementation Guide: Apple Pay Vs Google Pay
June 14, 2024 - In 2023, Google Pay works in 189 countries, with 72 directly supporting contactless payments. The number of users is hard to identify. Still, Statista shows that 80% of surveyed consumers in India used Google Pay between April 2022 and March 2023. ... Apple Pay mobile payments were available in over 80 countries in 2022.
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WIRED
wired.com › gear › phones › yes, you should be using apple pay or google pay
Yes, You Should Be Using Apple Pay or Google Pay | WIRED
November 7, 2020 - This new (old) tech is much slower than the old swipe-to-pay credit cards of yore, making plastic a bit more of a hassle. Pull out your wallet, dig through to find the right card, put it in, wait, then do it all in reverse when the reader beeps at you like you've accidentally tripped some sort of alarm. With Apple and Google Pay, you just pull out your phone, unlock the home screen, and hover it over the reader—it'll "swipe" your digital credit card instantaneously, faster than any chip-based card.
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Wise
wise.com › us › blog › apple-pay-vs-google-pay
Apple Pay vs. Google Pay: How do they compare in 2024? - Wise
June 1, 2023 - With Google Pay and the Google Wallet you can send money overseas, either directly from the Google Pay app (transfers to India only), or through a third party service. Another neat feature is that you can use Google Maps to find Google partners near you, where rewards and discounts may be offered on spending⁴. While Apple Wallet and Apple Pay are closely related, they serve different purposes.
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Tridens
tridenstechnology.com › communications › google pay vs. apple pay – which mobile wallet is better?
Google Pay vs. Apple Pay - Which Mobile Wallet Is Better?
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.
Published   February 6, 2025
Views   0
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Lifewire
lifewire.com › apple-pay-vs-google-pay-8680670
Apple Pay vs. Google Pay: What's the Difference?
August 10, 2024 - Apple Pay is more restrictive when it comes to what devices can actually make use of it, limiting you to certain Apple products. Google Pay, though, is available on a wider variety of devices, including Apple products like the iPhone.
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Which?
which.co.uk › money › banking › banking security and payment methods › what is apple pay and google wallet?
What is Apple Pay and Google Wallet? - Which?
February 10, 2025 - Anyone with a compatible Apple device can use it. Google Wallet (formerly known as 'Google Pay' and 'Android Pay'), is a similar mobile payments system that works on Android devices and some Android-based smartwatches.
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Koronapos
koronapos.com › home › blog › apple pay vs. google pay: what is the best contactless payment for retailers?
Apple Pay vs. Google Pay: What Is The Best Contactless Payment For Retailers?
March 27, 2024 - Ensure that your current POS system payment terminal supports near-field communication (NFC) technology. Google and Apple Pay transactions are conducted through NFC, so your hardware must be capable of accepting mobile and contactless payments. If your existing hardware doesn’t support mobile wallet payments, you may need to upgrade or replace it with NFC-capable equipment.