Wallets · North America · Available
Apple Pay in the United States
Apple Pay is one of the payment methods in the United States. Payments are made in USD; the method supports pay-in, recurring, refund; settlement: T+1; chargebacks: under the scheme rules. The payments regulator in the United States is FinCEN; state money transmission regulators. Providers for Apple Pay in the United States in the Tranzify catalogue: Adyen, Checkout.com, Stripe.
Key facts
- Currency
- USD (US dollar)
- Operations
- Pay-in · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
- Payments regulator
- FinCEN; state money transmission regulators
Providers for Apple Pay in the United States
| Provider | Provider type | Supported operations | Status at Tranzify |
|---|---|---|---|
| Adyen | Acquirer | Pay-in, Payout, Recurring, Refund | On request |
| Checkout.com | Acquirer | Pay-in, Payout, Recurring, Refund | On request |
| Stripe | Acquirer | Pay-in, Recurring, Refund | On request |
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
Other payment methods in the United States
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | Google Pay | — |
| Crypto | USDC | — |
| Crypto | Bitcoin | — |
| Wallets | PayPal | — |
| Buy now, pay later | Klarna | — |
| Bank transfers & instant payments | ACH debit | — |
Apple Pay in other countries
Frequently asked questions
Which providers offer Apple Pay in the United States?+
In the Tranzify catalogue Apple Pay in the United States is offered by Adyen, Checkout.com, Stripe. A client connects its own account with the provider as a terminal; routing and cascading between several providers are set up in the back office.
How widely is Apple Pay used in the United States?+
The catalogue has no published market share for Apple Pay in the United States; the method is listed among the country's payment methods.
Which operations does Apple Pay support in the United States?+
Apple Pay supports pay-in, recurring, refund. Settlement is T+1 and chargebacks are under the scheme rules; the amounts are in USD.
Who holds the licence for Apple Pay in the United States?+
Tranzify is software. The licensed client, a payment institution, an acquirer or its partner, contracts with the providers and the merchants; the platform routes the payments, records them in the journal and reports them. The payments regulator in the United States is FinCEN; state money transmission regulators.
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements