For Apple users, your only choice in the real world is Apple Pay, while Android users must use Google Pay. Ultimately, choosing one of these payment systems is tied to your ecosystem and availability in your location. Paying friends through Google Pay is available in the US and coming soon to UK users. (This was previously found in the Google Pay Send app.) Like Apple Pay, you can keep a balance or withdraw to your bank account. You can pay any phone number or email address from the Google Pay app on iOS, Android or from the desktop interface.

Apple Pay Cash is only available in the US for now. Money can be stored on your virtual card in the Wallet app or you can withdraw to your bank account. Unfortunately, that means you're cut off from anyone who doesn't have an Apple device. With Apple Pay Cash, you can send money to contacts with Apple IDs through iMessage.

Samsung Pay does not currently have a peer-to-peer option. Just tap your phone to a compatible terminal and the transaction is complete.Īdvantage: All three Peer-to-peer paymentsĪpple Pay and Google Pay are the only two services that let you pay friends. Read more: Why I switched from Samsung Pay to Google Pay and haven't looked back Technology and availabilityĪpple Pay and Google Pay use NFC, or near-field communication, to power contactless payments.

In the case of Samsung Pay, that also includes any terminal with a magnetic card reader. With regards to availability, once you've added your cards to one of these mobile wallets you should be able to use them in any country that accepts contactless payments, as long as you would normally be able to use your physical card in that location. Wide variety of banks: full list here PayPal Works with NFC terminals, in-app and web purchases Works with NFC terminals, in-app purchases and web purchases in Safari Works with NFC, magnetic stripe or EMV terminals, in-app purchases Samsung Galaxy phones since the Galaxy Note 5, Gear Watch and Gear Watch Active, Gear S2 and S3Īpple iPhones since the SE, Apple Watch, MacBook Pro with TouchID, iPads since 5th generation, iPad Pro and iPad MiniĪndroid phones with NFC and HCE support running KitKat (4.4) or higher

Can i send apple pay to android