Apple Pay has emerged as one of the most popular iPhone payment solutions in the Canadian market since its introduction in 2015. It supports both in-person payments in stores and online payments on various apps and websites. In-store usage of Apple Pay is over 65% (ranking second in the world after the UK).
The figures are lower for online transactions. But up to 34% of Canadian consumers use Apple Pay to make online payments. Mobile payments like this have become an integral part of everyday life, thanks to the proliferation of mobile phone usage. In Canada, mobile phone penetration currently stands at over 90%, so it makes sense that users would prefer mobile payment solutions. In this article, we’ll list the best payment apps iPhone that support Apple Pay in Canada.
Why Apple Pay Is Popular in Canada
Canada was one of the earliest markets to adopt Apple Pay as a payment solution outside of the United States. The popularity of this payment method in the Canadian market can be attributed to a wide range of factors, including security, convenience, and transaction speed.
| Security | Apple’s security and data protection extends to all of its products. This is true for Apple Pay security as well. While payments are processed via credit/debit cards linked to the Apple Pay wallet, this service doesn’t share the user’s sensitive information with the merchant. Instead, this information is wrapped up in a unique identifier (known as a token), which is then shared with the merchant. This concept, known as tokenization, reduces the risks of fraud and data breaches significantly. |
| Convenience | Apple Pay is easy to use. To set it up, users simply need to add their credit or debit cards to the Wallet app. They can do this manually or by taking a photo. Once set up this way, making payments in physical stores or online is completely easy. Payment is initiated with just a single click and authenticated with Face ID. |
| Transaction Speed | Using Apple Pay for online and offline payments is quite fast. After all, there’s no need to enter card details manually at checkout. Instead, the payment gateway uses the device’s unique secure information. This ensures quick and seamless transaction processing. |
| Rewards | On some platforms, using mobile payment solutions like Apple Pay makes you eligible for cashback and other rewards. This is a common trend in online casinos and other digital platforms, trying to encourage mobile payments. In addition to special bonuses like $500 free chip no deposit rewards, users may also get gifts when they pay into their gambling account with Apple Pay. |
Top Apps for Payments With Apple Pay
Apple Pay works in Canada for a wide range of use cases. While users can make online payments directly through the built-in Apple Wallet on their device, this payment solution also integrates with numerous Canadian banks and financial apps. Here’s an overview of some of the Payment apps 2026 that support Apple Pay in Canada.
KOHO
KOHO is a prepaid debit card and spending app service. The app offers several features, including automated savings, a budget tracker, cashback, and rewards. The prepaid card is compatible with Apple Pay and can be used to make everyday purchases. Users also earn cashback for paying with Apple through this service.
Neo Financial
Neo Financial is a digital-first banking service. Customers can open a high-interest savings account and also get a cashback Mastercard from these service providers. Neo Financial is an ideal platform for Canadians looking to get a high-reward credit card. The app also offers direct integration with Apple Pay for simple contactless payment.
Tangerine Mobile Banking
This popular mobile banking Canada is a subsidiary of Scotiabank, but it operates independently as a digital bank. Tangerine users can open an account online, pay bills, and transfer money seamlessly through the app. This platform also offers money management and budgeting tools. Tangerine has full mobile payment support, allowing Apple Pay integration for its credit and debit cards.
PayPal
PayPal is one of the most popular digital wallets, used globally for peer-to-peer payments. PayPal users can connect their accounts to Apple Pay by adding their cards to Apple Wallet. This allows them to use Apple Pay to make instant purchases on the web or in secure payment apps without typing in information manually. The digital wallet Canada is the perfect choice for users who shop frequently online and those in need of an international P2P payment service that can interface with Apple Pay.
TD Bank Mobile App
TD is a popular bank that serves the North American market. This bank also has mobile payment apps that provide users with full account management capabilities. This app also allows users to seamlessly add their cards to Apple Pay from within the app. It’s the perfect solution for TD Bank customers in need of fast Apple Pay setup for their bank cards.
Comparison of Popular Solutions
To help you make an informed decision, here’s a quick comparison of the key features, security, and fees of the apps supporting Apple Pay.
| App | Functionality | Security | Fees | Bank Support | User Experience |
| Koho | Prepaid reloadable cards | High. Funds are held by a regulated partner and insured | Low/zero in some cases | Fintech/Payment Processor (partners with regulated financial institutions) | Simple prepaid solution with cashback |
| Neo Financial | High-cashback Mastercard and savings account | High. Secured credit cards available | Low/zero, but premium memberships exist for higher rewards/rates | Fintech (Partners with regulated financial institutions) | Modern, feature-rich credit/savings experience |
| Tangerine | No-fee daily banking | High. CDIC insured | Low/Zero | Digital Bank (Subsidiary of Scotiabank) | Daily banking with no fees and good interest rates |
| PayPal | Online payment processing and P2P transfer | High. Uses buyer protection, strong encryption, and 2FA | Free for local P2P transfers, but small fees for credit card funding and international transfers | Global Payment Service | Seamless experience for those who send or receive money internationally |
| TD Bank | Full-service daily banking | High. CDIC insured. App Uses biometric login, 2FA, and advanced fraud monitoring | High fees | Backed by a major traditional bank | Provides a single app to help TD Bank users handle all of their digital banking needs |
Safe Use Tips
Apple Pay Canada protects user information with its robust security features, such as data tokenization and biometric authentication. However, the integrity of this payment method may also be compromised by unsafe user practices. Here are some practical recommendations to help you stay safe while using this service.
- Set up two-factor authentication: Apple Pay is linked to your Apple Account, so you must add 2FA for more security. This way, even if someone manages to learn your password, they’ll still be unable to login.
- Update your device: Keep your device’s operating system updated to ensure you have the latest security patches and features.
- Verify transactions: Ensure that the merchant you’re trying to pay is real before authorizing any transaction. Once you approve a transaction, it can be difficult to recover.
- Protect your device: Theft exposes information saved on your device. Hence, keep your smartphone safe. In the event that you lose your phone, use the “Find My” function to immediately suspend Apple Pay on the device.
As Canada’s digital payments market continues to grow, Apple Pay will likely remain one of the largest players in the industry. The unmatched speed, convenience, and security offered by this payment service will continue to favor its adoption and integration with many more digital payment platforms.
