Apple Pay vs Microsoft Pay

June 11, 2023
12
Apple Pay
Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. So you can use your iPhone to pay in a simple, secure, and private way.
1
Microsoft Pay
Microsoft Pay is a mobile payment and digital wallet service by Microsoft that lets users make payments and store loyalty cards on certain devices. Add your credit or debit cards, or your PayPal info, to your Microsoft account. Your shipping details are also securely stored so there’s no need to enter your info each time you shop online—Microsoft Pay fills it in for you.
Apple Pay and Microsoft Pay are both mobile payment solutions that offer convenient and secure ways to make purchases.

Apple Pay is designed exclusively for Apple devices, including iPhones, iPads, and Apple Watches. It allows users to store their credit and debit card information securely on their devices and make contactless payments at supported retail locations or within apps and websites. Apple Pay utilizes Face ID, Touch ID, or a passcode for authentication, ensuring secure transactions. Additionally, Apple Pay supports transit card integration and person-to-person payments through iMessage.

On the other hand, Microsoft Pay is Microsoft's payment solution that works across various devices and platforms, including Windows 10, Xbox consoles, and Microsoft Edge browser. It offers a seamless payment experience by securely storing credit and debit card details, allowing users to make quick and secure transactions within supported apps, websites, and stores.
Apple Pay vs Microsoft Pay in our news:

2018. Microsoft Pay comes to Outlook.com



Microsoft Pay, Microsoft's alternative to Google Pay and Apple Pay, will soon be integrated into Outlook. This exciting development enables users to make direct payments for invoices received via email without leaving the Outlook platform or resorting to other apps or services. Microsoft plans to initially roll out this feature to a limited number of Outlook.com users in the upcoming weeks, followed by a broader release over the next few months. The company has announced that payment processors such as Stripe (through Stripe Connect) and Braintree will support the service, while billing and invoicing services including Zuora, FreshBooks, Intuit, Invoice2Go, Sage, Wave, and Xero will be among the first adopters of this feature.


2016. Apple takes on PayPal with Apple Pay on the web



Apple has announced that Apple Pay will be introduced to the web in the upcoming fall. This means that Mac users will have the convenience of making online payments in Safari using the "Pay with Apple Pay" button. To authenticate their purchases, users can utilize Touch ID on their iPhone or Apple Watch. Previously, Apple Pay was only available for use in selected iOS apps and physical retail stores. Retail partners will be required to integrate Apple Pay into their checkout process, and Apple has already secured numerous merchants for the payment platform, including Target, Expedia, United Airlines, and more. In addition to this expansion, Apple has revealed plans to launch Apple Pay in Switzerland, France, and Hong Kong during the summer season.


2015. Apple rebrands Passbook to Wallet extends Apple Pay to UK



To align with the updated Apple Pay service, Apple has made the decision to rebrand the Passbook app as Apple Wallet. This name change aims to ensure relevancy and coherence between the two offerings. In addition to the ability to add traditional debit and credit cards, Apple Pay now enables users to include store cards, as well as loyalty and rewards cards, within the Apple Wallet. Retailers such as Kohl's, JC Penney, and BJ's will be among the first to offer compatibility with their own store credit cards through the Apple Pay platform. Moreover, Kohl's, Walgreens, and Dunkin Donuts are introducing rewards cards to the Apple Pay ecosystem. Notably, Apple Pay is expanding its reach to the United Kingdom, where it will soon be compatible with a vast majority of debit and credit cards, covering approximately 70 percent of the country's cards. Additionally, Apple has recently unveiled a partnership with Square, introducing a new card reader specifically designed for small businesses to accept payments via Apple Pay and credit card chip transactions (without support for card swipes).


2014. Apple launched own payment system Apple Pay



Apple has introduced a wallet feature called Apple Pay to its iPhones. This functionality allows users of iPhone 6 and iPhone 6 Plus to conveniently make payments at retail checkout terminals by simply tapping their devices. To utilize the wallet service, users must have an iPhone equipped with near field communication (NFC) technology and authenticate their transactions using Apple's Touch ID fingerprint authentication. The process of adding a card to Apple Pay involves either scanning the card or manually inputting the card information. Initially, Apple Pay supports purchases at over 220,000 stores across the United States. Prominent participants in this service include Macy's, Bloomingdales, Walgreens, Duane Reade, Subway, and McDonald's. However, it's important to note that many retailers, including the largest one, Wal-Mart Stores Inc., are not currently part of Apple's network. Only a minority of retailers have the necessary machines capable of reading the near-field communication radio signal required for Apple Pay to function.