Apple Pay vs TWINT

Apple Pay9.2Visit TTWINT8.8Visit

Higher score Apple Pay #2 in Mobile Payment Apps 9.2/10 Free plan Free plan✓ 0 of 5 features Visit Apple Pay

vs

T TWINT #6 in Mobile Payment Apps 8.8/10 Free plan Free plan✓ 0 of 5 features Visit TWINT

• Apple Pay fits best

  Apple users paying in stores and online

• TWINT fits best

  Swiss peer and merchant payments

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Side by side

Feature	Apple Pay 9.2/10 Visit ↗	TTWINT 8.8/10 Visit ↗
At a glance
Editor score	9.2	8.8
Ranking	#2 in Mobile Payment Apps	#6 in Mobile Payment Apps
Best for	Apple users paying in stores and online	Swiss peer and merchant payments
Pricing model	Free	Free
Starting price	Free plan	Free plan
Free plan	✓	✓
Free trial	—	—
Deployment	Desktop, Mobile	Mobile
Platforms	Web, Windows, macOS, iOS	iOS, Android
Support	Community, Docs	Phone, Live chat, Docs
Built for	Solo	Solo, Small business
Features Apple Pay 0/5 · TWINT 0/5
In-store payments	Not checked yet	Not checked yet
Peer transfers	Not checked yet	Not checked yet
Bill payment	Not checked yet	Not checked yet
QR payments	Not checked yet	Not checked yet
International transfers	Not checked yet	Not checked yet
Specs
Mobile platforms	Not checked yet	Not checked yet
Our review
Pros	Pay in stores, apps, and websites with eligible Wallet cards Authenticate with Face ID, Touch ID, or a passcode Device-specific payment numbers avoid sharing actual card numbers	Sends money to other TWINT users in real time Supports QR, online and in-app merchant payments Adds payment requests, recurring payments and loyalty features
Cons	Requires an eligible card, compatible device, and supported merchant Apple Cash transfers are limited to supported regions Banks or card issuers may charge fees	Primarily serves Switzerland’s domestic payment network Some partner services, including certain withdrawals and parking, may cost extra Available through mobile apps, with no desktop deployment listed
Our verdict	Apple Pay lets people add eligible credit, debit, and prepaid cards to Wallet and use them for purchases in stores, apps, and websites. It is aimed at Apple users who want to pay with a compatible iPhone, iPad, Apple Watch, Mac, or Apple… Read the review →	TWINT is a mobile payment app from TWINT AG for people in Switzerland who want to pay participating merchants and move money among friends and family. The iOS and Android apps support sending, requesting and splitting payments, with… Read the review →

Strengths and trade-offs

• Apple Pay — where it wins

  • Pay in stores, apps, and websites with eligible Wallet cards
  • Authenticate with Face ID, Touch ID, or a passcode
  • Device-specific payment numbers avoid sharing actual card numbers

  Where it doesn't

  • Requires an eligible card, compatible device, and supported merchant
  • Apple Cash transfers are limited to supported regions
  • Banks or card issuers may charge fees

• TWINT — where it wins

  • Sends money to other TWINT users in real time
  • Supports QR, online and in-app merchant payments
  • Adds payment requests, recurring payments and loyalty features

  Where it doesn't

  • Primarily serves Switzerland’s domestic payment network
  • Some partner services, including certain withdrawals and parking, may cost extra
  • Available through mobile apps, with no desktop deployment listed

• Apple Pay9.2/10 · Free plan

  A no-cost payment service for Apple devices, with checkout availability depending on merchant and region.

  Visit Apple PayFull verdict →
• TTWINT8.8/10 · Free plan

  A free mobile wallet for instant TWINT-to-TWINT payments and supported merchant checkout in Switzerland.

  Visit TWINTFull verdict →