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When it comes to paying friends and family, Apple Pay only works in the U.S. It’s compatible with any transit system worldwide that accepts mobile payments. It’s also accepted at over 85 percent of retailers in the U.S, at the time of writing.

This includes both in-store contactless and online payments. Apple PayĪpple Pay is available in 70 countries. View the full list in Samsung Pay’s compatibility section. Also, some devices don’t support MST (magnetic secure transmission) compatibility. You can use Samsung Pay on both phones and watches, though not every Samsung device is compatible. Samsung Pay is also accepted at many transit systems across the world in supported countries.

The only downside is that both you and the recipient must sign up for a Samsung Pay Cash debit card. You can also send money to friends and family in the U.S. At the time of writing, it’s available only in Australia, Belarus, Brazil, Canada, China, France, Germany, Hong Kong, India, Indonesia, Italy, Kazakhstan, Kuwait, Malaysia, Mexico, Puerto Rico, Russia, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates, U.K., U.S., and Vietnam. Samsung Pay isn’t quite as popular as either Google Pay or Apple Pay due to it only being available on Samsung devices and supported in fewer countries. This can make it even more convenient, as your wallet fits on your wrist. One great benefit is that 40 countries allow you to use Google Pay via Wear OS. While you can use Google Pay with some transit systems, it’s only accepted in nine countries. Currently, this feature is only available in the US, India, and Singapore.

Google Pay also lets you send money to friends and family.

The Google Pay iOS app doesn’t support contactless payments in stores. Google Pay for iOS only works in the US and India and only for online or in-app purchases. However, if you’re paying online or in apps, the digital wallet is available in 75 countries. For contactless payments, loyalty cards, tickets, gift cards, and boarding passes, Google Pay is currently available in 42 countries.