Apple Pay adoption – supporting banks increased to 5,480 globally, up 29% YoY. IPhone users who activated Apple Pay increased by 15% YoY to 507 million in September 2020.

6 ianuarie 2021

In its fourth annual Apple Pay availability study, Loup Ventures identified a 20% plus increase in adoption from banks and top retailers across desktop sites, mobile web, and apps, according to

These growth rates, off an increasingly bigger base, suggest Apple Pay is becoming a must-have payment option for retailers and banks.

Today, the report estimates just under 30% of top retailers offer the service on desktop, ~40% on mobile, and 43% in apps. Given the majority of low-hanging fruit has now been captured, it is expected that retail adoption growth rates will decline in the next year, in combination with consumer usage rates accelerating year over year. Putting it all together, Apple Pay is increasingly becoming an effective customer acquisition and retention feature for Apple.

Apple pay adoption by retailers and banks

Methodology – The report checks the desktop websites, mobile websites, and iOS apps of a cohort of 100 of the top online US retailers for the ability to use Apple Pay at checkout. While there is some movement in this cohort of retailers every year regarding their relevance to consumers, it keeps the list constant to maintain comparable results (see last year’s results here).

This year the report found 20% plus year on year growth across the board, with the mobile segment growing fastest:

. Desktop adoption increased to 28 of 100 sites compared to 23 a year ago, up 22% YoY.

. Mobile jumped to 39 of 100 sites versus 28 last year, up 39% YoY.

. iOS apps were 43 of 100 compared to 36 last year, up 20% YoY.

. Supporting banks increased to 5,480 globally, up 29% YoY.

The above findings suggest that merchants and banks continue to align their payment offerings with consumer behaviour and preference.

A thought on in-store adoption

Loup no longer track Apple Pay adoption at in-store POS systems. That said, in January 2019 Apple announced that Apple Pay was accepted at 74 of the top 100 US retailers and available at 65% of all US retail locations. Now, we estimate these numbers are about 95 of 100 and 85% respectively, as more consumers are using contactless payments during the pandemic to avoid spreading germs.

How many iPhone users have activated Apple Pay?

Based on the estimates of 9% growth in active iPhones (now at 1 billion in total), along with greater usage of contactless payments during the pandemic, Loup estimate the percentage of active iPhone users that have enabled Apple Pay has increased from 441 million in Sep-19 to 507 million in September 2020.

This implies 51% of active iPhone users have set up Apple Pay, compared to the estimate of 48% a year ago. This 15% YoY growth in activations does not capture the greater growth in Apple Pay transactions, which we estimate to be growing north of 30% over the past six months.

Apple User estimates

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Cifra/Declaratia zilei

Irina Chitu – country manager

„Cel mai bine este sa imprumuti maxim 25% din venitul net, pentru a sta linistit. Cata casa imi permit? Asta inseamna 4 ani de venituri.”

Afla aici sfaturile expertului


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?