Apple Pay is available in 89 markets with more than 11,000 banks and network partners, according to Apple’s own services report. The same report credits Apple Pay with eliminating well over $1 billion in fraud and generating more than $100 billion in incremental merchant sales, figures Apple has published about a service most people only ever see as a tap at a checkout terminal.
These numbers come from Apple’s own recap of its services business, published January 12, 2026, covering the year behind it rather than anything announced this September. They are still the most complete published count of what Apple Pay actually is at scale.
Key facts on Apple Pay, from Apple’s own report
| Metric | Apple’s published figure |
|---|---|
| Markets | 89 |
| Bank and network partners | Over 11,000 |
| Local payment networks supported | 20+ |
| Fraud eliminated | Well over $1 billion |
| Incremental merchant sales generated | $100 billion+ |
| Holiday spending growth | “Significantly outpaced overall growth,” Apple says |
Fraud and merchant sales, quantified
The fraud figure and the merchant sales figure are the two numbers in Apple’s report that turn a convenience feature into a measurable financial effect. Apple frames the $1 billion fraud figure as money that would otherwise have been lost to fraudulent transactions, and the $100 billion-plus figure as sales merchants gained specifically because Apple Pay was available as a checkout option, rather than sales that would have happened by another method regardless.
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The 20-plus local payment networks
Apple’s report also credits Apple Pay with support for more than 20 local payment networks, on top of the international card networks most Apple Pay transactions run over. Apple does not name which local networks it means or list them by country, so this figure stands as a count without a published roster behind it. It sits alongside the 11,000-plus bank and network partner figure as a second, separate measure of how widely Apple Pay reaches into different countries’ existing payment infrastructure rather than replacing it.
Tap to Pay on iPhone is a separate count
Tap to Pay on iPhone, which turns an iPhone itself into a contactless payment terminal for merchants, carries its own figures: 50 markets and more than 15 million merchants. That is a different measurement from Apple Pay’s 89 markets, since Tap to Pay counts merchants accepting payments on an iPhone rather than customers paying with one.
Apple Wallet’s identity expansion
| Wallet ID feature | Apple’s published scope |
|---|---|
| US state IDs and driver’s licences | 13 US states plus Puerto Rico |
| International ID | Japan’s My Number Card, the first outside the US |
Apple Wallet’s identity features sit alongside Apple Pay in the same report but are counted separately again. The Japan figure is notable specifically because Apple names it as the first international identity document added to Wallet, ahead of any similar rollout in other markets Apple has not yet named.
Holiday spending, the one growth figure without a number
Apple’s report says Apple Pay holiday spending “significantly outpaced overall growth,” a comparative claim rather than a figure with a percentage attached. It is the softest statement in an otherwise numbers-heavy report, and Apple does not say what “overall growth” it is measuring Apple Pay against, whether that is overall retail spending, overall Apple Pay growth in prior years, or something else Apple has not defined in this release.
Where Apple Cash fits, and where the count stops
Apple Cash, Apple’s peer-to-peer payment feature inside Wallet, is not broken out with its own usage figures in this report. Apple’s services recap quantifies Apple Pay, Tap to Pay and Wallet’s identity features individually, but it does not publish a users, volume or transaction figure for Apple Cash specifically, so no comparable number exists on the record for it.
What Apple has not said
- Any usage or volume figure specific to Apple Cash.
- An updated market or partner count for Apple Pay since the January report.
- A breakdown of the $100 billion merchant sales figure by region or by year.
Apple has not published a more recent version of this services count since January 12, 2026, so these remain the standing figures as of this weekend. Apple Pay itself continues to run on every current iPhone, including the iPhone 18 Pro now taking pre-orders ahead of its September 18 release.