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Add to SafariWhen comparing Apple Pay vs Google Wallet, the Slant community recommends Apple Pay for most people. In the question“What are the best services for making online transactions?” Apple Pay is ranked 5th while Google Wallet is ranked 7th.
Question Ranking
Pros
Pro Actual credit card number is obfuscated through Tokenization
Pro Fingerprint authentication adds secondary authentication without requiring to remember anything
Fingerprint authentication adds secondary authentication before a transaction can be initiated. Additionally, it makes sure that nothing get's bought by accident and doesn't require remembering anything such as a password or a pin to use.
Pro The most widely used option
Apple Pay is used more than all of the competition combined.
Pro No credit card information is stored on Apple's devices or servers (except during setup)
Apple avoids any contact with real credit card information, except during setup at which point all information is handled carefully using encryption throughout the process.
Pro Best choice of supported cards through Google's Virtual Card system
Google has a partnership with Bancorp Bank that issues a Virtual Card to Google Wallet users that works as an intermediary between customer's card and merchant. It gives more choice in terms of compatible cards and works as a card fraud mitigation technique.
Pro Has a robust fraud protection system
All verified unauthorized transactions reported within 120 days of the transaction are completely refunded.
Pro No credit card information is stored on the phone
In case a phone is lost or stolen no access to actual credit card information can be gained.
Pro 4-digit PIN provides added security through secondary authentication
4-digit PIN that has to be entered before any transaction can take place adds secondary authentication and makes sure that nothing gets bought by accident.
Cons
Con Works only with iPhone 6 or later
Apple Pay is compatible only with iPhones and only those that include an NFC and Secure Element chips which currently is only iPhone 6 and iPhone 6 Plus.
Con Works with a limited selection of cards
Con Credit card and transaction information is stored on Google's servers
