Mobile wallets currently rank among the most popular online payment methods in North America and are used by 29% of consumers there. Coupled with proximity mobile payment spending per user increasing year after year, it should come as no surprise that the number of Apple Pay users has also been rising. It is, after all, the most-used mobile payment method by US consumers. 

To get a better idea of its popularity, we need to ask the question: How many people use Apple Pay in the US?

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Number of Apple Pay users in the US

According to the latest Apple Pay statistics, the number of Apple Pay users is forecast to hit 45.4 million in 2022. This refers to mobile phone users aged 14 and above who pay for their purchases using Apple’s contactless payment option at least once a month. 

This marks an 8.7% annual increase from 2021 and represents 16.2% of the overall US population. In other words, around one out of every six US consumers uses Apple Pay at least once a month. 

Apple Pay usage among US shoppers is set to continue rising in the coming years. However, the growth rate is expected to decelerate. In 2023, the number of Apple Pay users is projected to grow 7.3%, to 48.7 million, making up 17.3% of the population.

This is set to further increase by 5.7% in 2024, surpassing the 50 million mark for the first time and hitting 51.5 million. Growth is forecast to continue, with the number of Apple Pay users rising to 54.2 million in 2025. By 2026, there will be 56.7 million Apple Pay users in the US, making up 19.7% of the population. That is to say, nearly one out of every five consumers will be an Apple Pay user.

Apple Pay usage in the US

Recent research on mobile payment preferences in the US shows that millennials use touchless payments more than other generations. However, Apple Pay usage is the highest among Gen Z consumers. 

Apple Pay statistics also show that the popular contactless payment method is accepted by more than 85% of US retailers. 

Apple itself has also recently enhanced Apple Pay’s features to provide more security to existing users and to attract new ones. This includes sharing assessments and transaction details with card networks to reduce fraud incidences.

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