Apple Pay Tips

Apple Pay is the future of mobile payments for one of the larger, wealthier mobile audiences (those on iOS). Now discover how you and your customers can benefit.

We know it’s coming. Apple Pay will be here before the holidays. Is your business ready? Have you even thought through the potential impact?

Apple Pay is a next generation checkout solution aimed at solving one of the biggest mobile commerce pain points: checkout frustration.

Inserting payment information on small screens is difficult, cumbersome, and time consuming. Neither the customer nor merchant win in that scenario.

This is why most mobile commerce transactions today occur on tablet –– not smartphone.

But Apple Pay is very likely to change that. AirBnB, Fancy and Target have all already seen success with Apple Pay for mobile conversions. Soon, Apple will release the technology to the rest of the industry –– likely forever altering mobile commerce as we know it.

This could be the tipping point of the mobile commerce boom –– and this time, smartphones will be leading the way.

Thanks to seamless transactions, speedy, one-click payments and TouchID technology that decreases fraud, increases consumer trust and removes the need to manually enter detailed payment info, Apple Pay will bring about a new era of retail and finally close the lid on mobile checkout conversion issues.

With its seamlessness and security, Apple is raising the bar on mobile payments for the entire retail industry. Below, you’ll find 21 experts offering their insights and best tips to businesses on why and how to use Apple Pay.

Note: Currently, all iPhone 6, 6 Plus, 6S and 6S Plus, iPhone SE, iPad Air 2, iPad Pro and Apple Watch customers can take advantage of this technology today.

Allen Burt, Founder & CEO, Blue Stout


It’s going to be game-changing. One of the major hindrances to mobile buying has always been the checkout. It’s easy to browse, it’s easy to add-to-cart, but the checkout process has always been cumbersome on mobile. Apple Pay will streamline the checkout and make it easier.

My advice for ecommerce companies wanting to explore Apple Pay is first take a peek into your mobile traffic, especially your mobile abandonment rate. Once you get some data around this, you can be informed about making a decision to integrate your ecommerce website with Apple Pay (currently only the Safari browser supports Apple Pay for desktop).

If you do decide to move forward with offering this payment method to your customers and integrating it into your website, you’ll need to make it obvious!

Offering Apply Pay could even be an incentive for customers to purchase if they know they don’t have to waste time entering their payment information. So, visually display the fact your website supports Apple Pay and include it in your marketing strategy to educate and incentivize users to use it as their payment method.

Jennifer Pollock, Content Marketing Editorial Lead, Square


NFC payments like Apple Pay are the the most secure payment method out there. Apple Pay contains multiple layers of dynamic encryption and is also protected by TouchID, Apple’s fingerprint technology.

Apple Pay is also the fastest and most convenient way to pay — which is why it’s important to accept it this holiday season. Apple Pay transactions happen near instantaneously (as opposed to chip cards, which can take several seconds to process). So to provide the best (and most secure) customer experience throughout the holidays, it’s a smart strategy to implement a POS in your brick and mortar that can accept Apple Pay ASAP.

Kevin Richards, CEO & Founder, Ventura Web Design & Marketing


Apple Pay is an absolute game changer for small business and, dare I say, one of’s biggest threats.

When a customer can checkout on any website with Apple Pay simply by using TouchID, that creates a frictionless checkout and evens the playing field for all merchants.

The biggest questions that customers face when shopping online is wondering if the merchant they’re shopping with is trustworthy: “Will I get my order on time and in good condition?” “How hard will it be to complete the checkout (especially on a mobile device)?”

Apple Pay resolves both issues by conveying trust and making checkout incredibly easy.

Michael Ugino, Co-founder, Sellbrite


Sorry, I’m an Android Fanboy –– just kidding!

The benefit is that there is a massive audience of iPhone-owning mobile shoppers who are the earliest adopters of Apple Pay, and not using it will create an additional layer of friction for those mobile conversions. Mobile commerce is still in its infancy (in terms of $$$$) but already accounts for more than 50% of traffic to ecommerce sites. It’s easy to connect the dots.

Catalin Zorzini, Founder,


Apple Pay will help you compete, considering Apple is one of the best companies at generating buzz for its new products.

Some people won’t even consider buying online if an ecommerce store doesn’t have a PayPal button. Apple Pay could easily end up in the same situation.

Apple has done a wonderful job of making partnerships with major credit card companies and retail stores, so it’s not that crazy to think that NFC-based payment methods will end up being the norm.

It’s also worth mentioning that Apple Pay should help shrink the divide between online and offline sales, since customers can use it for both types of purchases. Therefore, you may end up getting better sale management options along with more sales in general.

Jan Lastuvka, CEO & Co-Founder, MonkeyData


Apple Pay reduces friction with the payment process and is more secure than other payment

methods. Apple Pay uses biometrics and does not require a credit card to be present, thus reducing the risk of stolen card numbers.

Although Apple Pay requires an iPhone 6 or later and the adoption rate has been a bit slow so far, it has been increasing. You can be sure that Apple will continue pushing this payment solution and that more users will adopt as they upgrade their phones.

Richard Lazazzera, Founder, A Better Lemonade Stand


Apply Pay is a solution to those low mobile conversions. Typing in address and credit card info is an awful experience on desktop, never mind mobile devices. Add to that the fact that most people are on the go while using their mobile device and it’s not hard to understand why mobile conversions remain so low. Adding Apple Pay gives your customers a frictionless way to instantly make a purchase without thinking twice about it.

Kunle Campbell, Founder, 2X Ecommerce


Apple Pay is truly frictionless commerce geared to increasing mobile transactions.

My advice to retailers would be to run a thorough mobile UX audit and deliver a truly mobile first user experience to shoppers and customers.

Now that the mobile checkout has been more or less ‘fixed’ with Apple Pay (with Android Pay to follow), mobile devices will becoming the primary de facto online shopping device.

Drew Sanocki, Private Equity Operating Partner, Empire Growth Group


Every time you add a payment solution, you make it easier for a related customer segment to buy and improve their conversion rates. If you offer an impulse buy product, have a lot of mobile shoppers, or have items with lower AOVs, the Apple Pay user segment is probably not insignificant. Go get them!

Brett Curry, CEO, OMG Commerce


Right now, the greatest reason for the disparity between mobile and desktop conversion rates lies in the checkout friction on mobile. Mobile checkout is often super painful.

Once Apple Pay is supported on the Safari mobile browser, this could be huge for iPhone users. This is a coveted segment for merchants since iPhone users consistently spend more online than owners of other devices by a huge margin.

Chris Van Dussen, CEO, Parcon Media


Speed and trust: the less info you need a consumer to enter on your site, the more likely it is that they will complete the transaction with you. Services like Apple Pay help take that mental roadblock of manually giving you their credit card info out of the equation. Really, it is all about convenience.

Jason Dea, Director of Product Marketing, Intelex


The hardest part of any retail business is optimizing your customer journey. What that means is improving the satisfaction and happiness a customer feels when they interact with your store (online or brick-and-mortar).

The logistics of payment can often be an overlooked bit of friction in that journey. Electronic wallets and payment platforms like Apple Pay, which streamline payment into one-click, can be a great ally in removing those final bits of friction in your customer journey.

Danna Crawford, Owner,


There are a ton of “tech-ie” shoppers out there that love to be a part of paying with Apple Pay. Even many fast food chains are using it at the drive-thru and I myself, as an Apple watch owner, find it cool to be a part of the trend. This is just be another way to increase the odds for more sales as a business owner.

William Harris, Ecommerce Consultant, Elumynt


Apple Pay can be very beneficial, but you have to know your audience. As a starter, you probably don’t want to have seven different payment buttons (like Amazon, Visa, PayPal, etc), so A/B test which combination of payment buttons works best for your audience.

You could also get a good idea if this would be beneficial to try out on your site by looking into your Google Analytics reports to find out the number of iOS devices visiting and purchasing on your website.

Ryan Stemkoski, Interactive Director, Zipline Interactive


With mobile ecommerce rates rising sharply, Apple Pay will give consumers using Safari an easy route to complete a transaction. This will offer a huge time saving to those customers that have set up Apple Pay, increasing the likelihood of conversion this holiday season as the program rolls out for those users.

Since Apple Pay is currently limited to Safari, it is possible to use browser recognition to display advertisements and special promotions only to users on Safari regarding your store’s ability to accept Apple Pay that are not shown to users of other browsers.

This provides an opportunity to capitalize on this new audience and convenience feature without forfeiting critical holiday advertising real estate for users that are ineligible for Apple Pay.

Adii Pienaar, Founder, Receiptful


Customers worldwide are using their mobile devices for online shopping more often. Depending on who you want to believe, it’s estimated that since late-2014 more than 50% of all online purchases are made from mobile devices. Apple / iOS has about a 15% market share of mobile devices, which is a huge potential user base for Apple Pay.

The attraction (to the customer) of Apple Pay is the convenience of already having their credit card details on their Apple devices. They’re also already familiar with spending money on their Apple devices (even if it’s just via iTunes or the App Store).

We are also seeing a trend where customers are spending more dollars when they can act impulsively and with a low-level of friction. Think about how easy Amazon makes this with their 1-Click Purchases.

For this very reason, I’d recommend that all online retailers offer Apple Pay as a payment option at checkout, because it makes it easier for customers to spend money with you.

Jacob Firuta, Content Manager, LiveChat


Removing friction from the checkout process is always a good idea. It decreases cart abandonment and stimulates more impulse sales. However, it’s best to offer it as an alternative and not the only way to make a payment since most users –– at least for now –– will go for the good old credit card.

Aaron Agius, Managing Director, Louder Online


I’m on the fence about it. If it’s important to your business to be seen as a tech early adopter, or if it’s expected from your audience, then yeah, you should have it. But for most small businesses, the POS device and transaction costs just don’t make sense. I’d hold off in most cases until the demand grows.

Ned Nadima, Growth Manager,


The main benefit of Apple Pay is to ease the checkout process. Many customers love innovative companies. So, using the latest technology during the shopping experience improves customer perception of your brand.

Jim Cook, Business Development Manager, Avid Brio


With the increase of iOS users, Apple Pay becomes one of the best methods to accept. After all, it becomes that much easier for iOS users to pay.

Rieva Lesonsky, CEO,


Obviously, consumers are nervous about credit card security so offering the many payment choices is a good idea. Apple Pay means they don’t even have to pull out their credit card at a register.

What do you think about Apple Pay and how it will influence the industry? Let us know in the comments below.

Photo: Flickr, Don DeBold