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Apple Pay adoption among payment users in the United States was 42 percent in early 2026, slightly higher than in the previous quarter. According to ÌÇÐÄÆƽâ°æ's Consumer ÌÇÐÄÆƽâ°æ, this 42 percent was equivalent to 20 percent of all consumers, regardless of whether they used payment services in the last 12 months. This was below Apple Pay use rates in other countries.

Apple Pay vs. other U.S. payment methods

Apple Pay faces much competition in the United States in online payments. PayPal was used by nearly one out of 3 total respondents in the country, for instance, in Q4 2024 - or * out of 10 respondents who used online payment methods. Apple Pay ranked slightly lower than Venmo in U.S. online payments, with * out of 10 respondents using it between December 2023 and December 2024. That said, Apple Pay and PayPal share a similar penetration when it comes to mobile proximity, or contactless, payments.

U.S. mobile POS payments are expected to get closer to credit cards

Apple Pay usage is linked to the overall growth of mobile payments and digital wallets in the United States. By 2027, wallets are expected to be the second-most used payment method in United States POS transactions. Credit cards - traditionally the most used payment method in U.S. brick-and-mortar shops - are to remain in the lead, but the gap would close significantly between 2023 and 2027.