Apple Pay is Apple's built-in contactless payment and digital wallet service for iPhone, Apple Watch, iPad, and Mac. Introduced in 2014, it is developed by Apple Inc., headquartered in Cupertino, California, and integrated directly into iOS, watchOS, and macOS rather than distributed as a separate downloadable app.
Users add debit, credit, transit, and loyalty cards to the Wallet app, then pay in stores using NFC and Face ID, Touch ID, or a passcode, or check out on websites and in apps that support Apple Pay, including via Safari. Apple Pay also powers Apple Cash for peer-to-peer transfers between contacts in supported countries, primarily the US, and integrates with the Apple Card. Payments use device-specific tokenization rather than sharing actual card numbers with merchants, and each transaction requires biometric or passcode authentication.
Apple Pay is free for consumers; merchants pay standard card-processing fees. Because it is a system feature rather than an app, there is no App Store or Play Store listing and no Android version, and availability of specific features, such as Apple Cash, varies by region. It works with banks and card networks across dozens of countries.