Apple Says 35% of U.S. Merchants Accept Apple Pay

While speaking at the Code Conference today in San Francisco, Apple Pay vice president Jennifer Bailey announced that 35% of U.S. merchants now accept Apple Pay, reports The Verge. She said that only 4% of merchants accepted the payment option two years ago when it debuted.

applepay
Bailey says the new EMV chip cards are annoying customers and have helped drive adoption. "Once you figure out you have to chip, you wait a while, you wait awhile," she said before imitating the "BEEP" sound the chip reader makes when you can remove your card.

Apple won't be marketing Apple Pay to take advantage of the annoyance toward EMV chips, Bailey said, instead focusing on creating new partnerships with banks and merchants. "Knocking EMV is not necessarily the way to go," she said. "I think it's to increase acceptance and work with great partners."


The Cupertino company is also focusing on offering deals with retailers and banks. In November, Apple debuted exclusive holiday offers for those who use Apple Pay on the web. Promotions included one- or two-day free shipping with Adidas and 50% off a one-year subscription to The New York Times. Bailey notes that Apple has to work with partners for special offers because Apple doesn't collect transaction data, eliminating its ability to offer promotions by itself.

Bailey says that Apple is excited by the speed of the transition to contactless payments. However, Bailey says that the challenge for Apple is that they have to match the speed of the transition to EMV chip readers. Apple has to get retailers and merchants to adopt Apple Pay at the same time they adopt EMV chip readers so that consumers can more easily see the benefit of Apple Pay.

Bailey also teased what was next for Apple Pay, saying that the company is thinking about "everything in your wallet."

Related Roundup: Apple Pay

Popular Stories

iphone 17 models

No iPhone 18 Launch This Year, Reports Suggest

Thursday January 1, 2026 8:43 am PST by
Apple is not expected to release a standard iPhone 18 model this year, according to a growing number of reports that suggest the company is planning a significant change to its long-standing annual iPhone launch cycle. Despite the immense success of the iPhone 17 in 2025, the iPhone 18 is not expected to arrive until the spring of 2027, leaving the iPhone 17 in the lineup as the latest...
duolingo ad live activity

Duolingo Used iPhone's Dynamic Island to Display Ads, Violating Apple Design Guidelines

Friday January 2, 2026 1:36 pm PST by
Language learning app Duolingo has apparently been using the iPhone's Live Activity feature to display ads on the Lock Screen and the Dynamic Island, which violates Apple's design guidelines. According to multiple reports on Reddit, the Duolingo app has been displaying an ad for a "Super offer," which is Duolingo's paid subscription option. Apple's guidelines for Live Activity state that...
Clicks Communicator Feature

'Clicks Communicator' Unveiled — Will You Carry This With Your iPhone?

Friday January 2, 2026 6:35 am PST by
The company behind the BlackBerry-like Clicks Keyboard accessory for the iPhone today unveiled a new Android 16 smartphone called the Clicks Communicator. The purpose-built device is designed to be used as a second phone alongside your iPhone, with the intended focus being communication over content consumption. It runs a custom Android launcher that offers a curated selection of messaging...
apple intelligence black

Report: Apple's AI Strategy Could Finally Pay Off in 2026

Tuesday December 30, 2025 9:01 am PST by
Apple's restrained artificial intelligence strategy may pay off in 2026 amid the arrival of a revamped Siri and concerns around the AI market "bubble" bursting, The Information argues. The speculative report notes that Apple has taken a restrained approach with AI innovations compared with peers such as OpenAI, Google, and Meta, which are investing hundreds of billions of dollars in data...
Low Cost MacBook Feature A18 Pro

Low-Price 12.9-Inch MacBook With A18 Pro Chip Reportedly Launching Early This Year

Friday January 2, 2026 9:08 am PST by
Apple plans to introduce a 12.9-inch MacBook in spring 2026, according to TrendForce. In a press release this week, the Taiwanese research firm said this MacBook will be aimed at the entry-level to mid-range market, with "competitive pricing." TrendForce did not share any further details about this MacBook, but the information that it shared lines up with several rumors about a more...
apple fitness 2026 1

Apple Teases 'Something Big' Coming Soon to Apple Fitness+

Tuesday December 30, 2025 2:11 pm PST by
The Apple Fitness+ Instagram account today teased that the service has "big plans" for 2026. In a video, several Apple Fitness+ trainers are shown holding up newspapers with headlines related to Apple Fitness+. What's Apple Fitness+ Planning for the New Year? Something Big is Coming to Apple Fitness+ The Countdown Begins. Apple Fitness+ 2026 is Almost Here 2026 Plans Still Under ...
Apple Fitness Plus hero

Apple Announces New Fitness+ Workout Programs, Strava Challenge, and More

Friday January 2, 2026 6:43 am PST by
Apple today announced a number of updates to Apple Fitness+ and activity with the Apple Watch. The key announcements include: New Year limited-edition award: Users can win the award by closing all three Activity Rings for seven days in a row in January. "Quit Quitting" Strava challenge: Available in Strava throughout January, users who log 12 workouts anytime in the month will win an ...
Mac Pro Feature Blue

What's Happening With the Mac Pro?

Wednesday December 31, 2025 9:59 am PST by
Apple hasn't updated the Mac Pro since 2023, and according to recent rumors, there's no update coming in the near future. In fact, Apple might be finished with the Mac Pro. Bloomberg recently said that the Mac Pro is "on the back burner" and has been "largely written off" by Apple. Apple apparently views the more compact Mac Studio as the ideal high-end pro-level desktop, and it has almost...

Top Rated Comments

2010mini Avatar
119 months ago
I have to say.... it is such a pleasure using Apple Pay over the new chip card terminals. Holy crap they are slow!
Score: 18 Votes (Like | Disagree)
7thson Avatar
119 months ago
Not in my podunk neck of the woods. Lack of knowledge of it in the stores that actually support it astounds me.
"Do you take ApplePay?"
"Huh? What's that?"
"Never mind, I'll just....yes, you do."
"Wow, that's cool!"
"Mmmhmm"
Still using a signature for verification, even with ApplePay sometimes. It's ridiculous, so I just draw a smiley face for a signature.
Score: 14 Votes (Like | Disagree)
citysnaps Avatar
119 months ago
This story personally resonated...

The EMV delay is real and super annoying. I use ApplePay whenever possible.
Score: 12 Votes (Like | Disagree)
avanpelt Avatar
119 months ago
35% of all U.S. merchants accept Apple Pay? I don't buy that figure. Maybe 35% of all U.S. merchants have the ability to accept Apple Pay (as in, they have compatible equipment).

The big variable is whether the merchant has actually enabled NFC functionality on their POS equipment. I'm looking at you CVS, Kroger, Publix, Costco, and on, and on, and on. All of those places in my area have POS equipment that is capable of accepting NFC payments, but NFC has not been turned on for whatever reason.

The Costco near my house completely overhauled their gas pump POS equipment recently and it has the tap to pay/NFC logo right on the pump and the light is flashing inviting you to use NFC. Imagine my excitement when I tried to use my iPhone 6 to pay for gas for the first time ever. When my iPhone wasn't bringing up my debit card as it should've been, I tried using my Apple Watch. Nothing there, either. The Costco employee came over and asked me what I was doing. When I told him I was trying to use NFC, he said, "Oh yeah, we haven't turned that on yet and I'm not sure we're going to". :rolleyes:
Score: 8 Votes (Like | Disagree)
FreakinEurekan Avatar
119 months ago
Bailey also teased what was next for Apple Pay, saying that the company is thinking about "everything in your wallet."
An Apple Pay condom?
Score: 8 Votes (Like | Disagree)
ipedro Avatar
119 months ago
It's kind of incredible how the US is so behind on payments technology, with the most widespread method of payment being an easily cloned magnetic strip and still using god damn signatures to verify payment!

In Toronto, ApplePay is accepted at somewhere nearing 99% of merchants because most merchants that accept debit cards already have tap payments built into their debit terminals. I haven't touched cash or my debit card in months.
Score: 6 Votes (Like | Disagree)