Apple Pay vs. Samsung Pay vs. Android Pay: Comparison


Mobile payments via Smartphones have changed the face of global transactions worldwide. The trend was first set by Apple with the introduction of Apple Pay in late 2014 but gained traction only in 2015. By the end of 2015, two more competitors namely; Android Pay (formerly Wallet) and Samsung Pay entered the market thereby shattering Apple’s monopoly.

There is a major setback though, which is that not all these smartphone mobile payments are available in every country, although this is fast changing. However, each mobile payment system has its own set of pros and cons, let’s find out below;

Apple Pay

How it works:

Apple Pay makes use of the iPhone’s Near-Field Communication (NFC) technology to carry out transactions. You have to input your credit card information and with the aid of your fingerprint, open Apple Pay and hold your iPhone level with the payment terminal and a transaction will occur.


  • Security

Since your credit card details are hidden from the retailer, the likelihood of fraud and theft is minimized. Furthermore, because Apple uses a token known as “device account number” to process transactions, it enhances security further.

  • No hidden costs for retailers

Retailers are not charged for the Apple Pay service, and neither is one charged a shopper’s fee. Nevertheless, Apple does make a small cut from existing credit card transaction costs.



  • Doesn’t support all iPhone versions


Apple Pay only supports iPhone 6 and higher which means that those without the latest version can’t enjoy the service. Again, Apple Pay only works at a selected few NFC terminals and is yet to be adopted by all retailers.

  • Doesn’t support online shopping

Apple Pay only allows one to purchase apps and in- app purchases, but there is no support for online shopping. This, in turn, is a great setback for individuals who want to shop virtually.

Samsung Pay

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How it works:

If you want to use Samsung Pay on a Phone, swipe up on the home screen, and the Samsung Pay app will appear after which you will see a message requesting you to verify payment via your fingerprint. It will use whichever credit card you have saved as “Default”.


  • It supports transactions via any credit card reader and with payments processed quickly, even faster than NFC.
  • Samsung Pay is reported to be partnering with operators for both Secure Element and TSM (Trusted Service Manager Requirements), this will, in turn, ensure global adaptability in the near future.



  • Samsung Pay is available only with the latest generation of Samsung smartphones i.e. Samsung Galaxy S6; Galaxy S6 Edge; Galaxy S6 Edge Plus and Galaxy Note 5.


Android Pay

How it works:

Android Pay was formerly known as Google Wallet also uses NFC just like the other mobile payment systems. It also requires you to set a default credit card which will be utilized for payments by swapping it against a terminal.


  • It has a wider acceptance rate with retailers than other mobile payment systems.


  • Android Pay is limited to only working with Android phones with no support for Windows phones and iPhones.

However, there is one thing in common with Android Pay, Apple Pay and Samsung Pay, which is that they do not support all platforms. However, from what we hear, these mobile payment systems are working to improve their services and adaptability so as to win customer trust.

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Claire Jones is a freelancer writer who writes at Mobiwoz. She is a tech enthusiast and love to write about mobile apps, gadgets and everything technology. When she's not writing, you would find her cooking and having fun with her kids.