Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Apple Wallet vs PayPal

Apple Wallet 4.8★ · Free to download 75
Winner Apple Wallet
PayPal 4.8★ · Free to download 50

Apple Wallet is generally preferred for its seamless integration and ease of use for everyday payments, while PayPal faces significant criticism regarding customer service and reliability of transactions.

Full reviews: Apple Wallet · PayPal

Apple Wallet excels in convenience for in-person and online payments, managing cards, and tickets within the Apple ecosystem. PayPal, despite its widespread acceptance, is plagued by user complaints about slow performance, unresponsive customer service, and issues with money being held or disappearing.

Head to head

Features and Functionality edge: Apple WalletR8R11R12R15
Apple Wallet Apple Wallet users appreciate its ability to consolidate various items like payments, concert tickets, movie tickets, and membership cards in one accessible place, making life easier R8R11R20. However, some users find its budgeting features limited and wish for more comprehensive financial tools R12. There are also requests for a direct app icon for easier access R15.
PayPal PayPal offers core payment functionality, but users report that the app lacks the full features available on the website, such as recovering chat history with customer service or applying discounts to invoices . Many users are frustrated by the app's focus on advertisements over displaying their balance .
Ease of Use edge: Apple WalletR8R16R18R20
Apple Wallet Apple Wallet is frequently praised for its convenience and ease of use, allowing quick payments with just a couple of clicks R8R20. Users find it user-friendly and accessible . Some issues arise with specific card types not loading R18 or difficulty with identity verification R16R33.
PayPal PayPal users report significant issues with the app's speed and navigation, describing it as slow, clumsy, and difficult to launch or find essential information like their balance . Some users struggle with basic functions like transferring money, forcing them to use the web browser instead .
Reliability and Performance edge: Apple WalletR3R4R9R10
Apple Wallet Apple Wallet is generally considered safe and reliable for payments R40. However, users report issues with transactions being declined , money disappearing or being taken without consent R3R4R9, and slow refunds . Some experience problems with shipping addresses and package delivery R10R24.
PayPal PayPal faces numerous complaints about reliability, including transactions being declined , money being held hostage for days or months R79R97R98R107, and difficulties with transfers R107. Users also report issues with account verification and login problems .
Security and Trust edge: Apple WalletR3R4R6R7
Apple Wallet Apple Wallet is generally perceived as safe and secure R40. However, there are serious concerns about scams using the app to appear legitimate R6R7 and unauthorized charges or money disappearing R3R4R9.
PayPal PayPal's security is a major point of contention. Many users report being scammed and feeling unprotected by PayPal's buyer protection . There are also complaints about phishing emails , accounts being blocked, and money being hijacked R98. Some users find the platform "sketchy" .
Customer Support edge: Apple WalletR24R33R40R64
Apple Wallet Apple Wallet reviews mention some positive experiences with customer service R40, but also significant frustration when support cannot resolve issues like address updates or account verification R24R33.
PayPal PayPal receives overwhelming negative feedback regarding customer service. Users describe it as "horrible," "terrible," and "unreachable," with complaints about AI-based support being unhelpful and a lack of real human interaction R64R91R96R97. Some positive experiences with phone support are noted .
Pick Apple Wallet if

You are an iPhone user looking for a seamless, integrated payment solution for everyday transactions, tickets, and loyalty cards R8R20. You value quick, convenient payments and a generally reliable experience within the Apple ecosystem R40.

Pick PayPal if

You need a widely accepted payment platform for online transactions, especially if you frequently send or receive money internationally, and are willing to navigate potential customer service and reliability challenges .

Evidence note: Both apps have a high lifetime rating, but recent reviews for PayPal are heavily skewed negative, indicating a decline in user satisfaction. Many negative reviews for Apple Wallet are related to issues with specific transactions or features rather than the core payment functionality itself, and some appear to be misdirected reviews for physical products or other Apple services R7R10. PayPal's negative reviews are more directly critical of the app's core functionality, reliability, and customer service.

Frequently asked

Is Apple Wallet secure for payments?
Yes, Apple Wallet is generally considered safe and reliable for payments, with users praising its security R40. However, some users have reported issues with unauthorized transactions and scams using the app R3R6R9.
Why is my money stuck in PayPal?
PayPal users frequently report issues with money being held or stuck in the app for extended periods, sometimes for days, weeks, or even months, often without clear explanation or resolution from customer service R79R97R98R107.
Does PayPal have good customer service?
Based on user reviews, PayPal's customer service is largely perceived as poor, with many users describing it as "horrible" and "unreachable," often relying on unhelpful AI or making it difficult to speak with a real person R64R91R96R106.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R8] Apple Wallet 5/5 · US Never used an app so often!: Payments, concert and movie tickets, membership and rewards cards… it’s so nice to keep everything in one spot. Two clicks.. there it is!
  2. [R11] Apple Wallet 5/5 · US Wallet: Very convenient! Uses it for every time
  3. [R12] Apple Wallet 3/5 · US Apple app: Great app love how i can see all my cards but cant do anything on it since the app is so limited to a few things, dont like how you cant budget and how cashapp is better tbh but it's Okay
  4. [R15] Apple Wallet 3/5 · US Phone Icon?: I’d like an icon to tap. That’s how I access every other app, after all. Sometimes tech is so convenient that it’s not convenient at all.
  5. [R16] Apple Wallet 1/5 · US Unable to Identify myself????: It will not allow me to update my account and says caution.
  6. [R18] Apple Wallet 3/5 · GB One4all card will not load up for use: The card number expiry date and CVV number will not load the card the wallet won’t allow the upload of the card - there’s no option to scan this in
  7. [R20] Apple Wallet 5/5 · US Love it: Apple Wallet makes my life much easier knowing I just grab my phone and go
  8. [R3] Apple Wallet 3/5 · US Why: It stole 8$ for no reason
  9. [R4] Apple Wallet 1/5 · US Money taken.: I deposited money and it’s not on my apple cash.
  10. [R9] Apple Wallet 3/5 · US Chilupa: Do not like the fact that once u buy something the merchant can keep purchasing w/out consent
  11. [R10] Apple Wallet 1/5 · US Late!!!: Package arrived 2 days later than expected
  12. [R6] Apple Wallet 3/5 · US Needs to stop letting scams use the app to scam people: The rewards vault pass scams people and uses the wallet app to look legitimate. The wallet app should probably care about scammers are using their app to screw people over. And they should probably do something to prevent this kind of thing on their app
  13. [R7] Apple Wallet 1/5 · US Scam: Total scam. Frame does not resemble the advertised piece and covers two letters of my license plate
  14. [R24] Apple Wallet 3/5 · GB infuriating: this app persists in asking me to update my shipping address. My address AND postcode are correct. Apple support couldn’t sort it.
  15. [R33] Apple Wallet 2/5 · US Restrictions: I received a notice to have my account verified: after attempting it was so hard to accomplish, then customer service could get nothing done! Including my attempts to try and get the restrictions off: everyone reads off paper stating I’ve had too many attempts, I just have to wait because it’s now at apple’s discretion. Although I may keep all my cards on for the use.. but I was giv
  16. [R40] Apple Wallet 5/5 · US Apple Wallet gets 5 stars.: Apple wallet gets 5 stars. It is safe, reliable and has great customer service. It is accepted in most places for apps online, and grocery stores. It’s easy to track what you are spending. I use the wallet to access money only when I need it. Reliable and other users I have spoke to say the same.
  17. [R64] PayPal 1/5 · US everything...: By far the worst banking app i've use. Ill start with the ai. It literally feels like talking to a down syndrome special needs person they literally can't help me i asked where can i transfer my money to my cash app balance it said to go to the wallet and yada yada and i looked for the wallet for the past 9 minutes and only to find out you have to go to the paypal web to find the wa
  18. [R79] PayPal 1/5 · US Not the same as it used to be: The app now focuses too heavily on fees to the dwindling customer base. Hold your money hostage 8+ days. Punish you for using ach options they don’t make fees on
  19. [R97] PayPal 5/5 · US VERY DISAPPOINTED: Have been holding my money against me for two months saying ill get it in 120 days they stole 52$ dollars from me and i never seen it again and customer support is no help at all if this is what users deal with I honestly don’t recommend this app at all
  20. [R98] PayPal 1/5 · US Trash: worst banking experience I’ve ever had. They blocked my account hijacked my money for violating user agreement. They never explained which one you can’t talk to customer support and anyone at any time can violate the user agreement. Please read it. With any purchase, you must be preapproved and if they don’t like what you’re doing, they’ll hijack money.
  21. [R107] PayPal 5/5 · GB Rubbish App: The only reason for the 5 stars so it does not get removed. I requested a simple transfer/ Withdrawal to my linked HSBC Account which has been verified a small withdrawal for an instant transfer but ended up taking 5 days starving me and my kids last time will be using paypal rubbish and there AI is stupid no common sense didn’t have any answers for me just repeated the same thing ove
  22. [R91] PayPal 1/5 · US Unreachable: This stinks. Tried to get an account. Some one else is on PayPal and has stolen my email address. This thief is Laura O’Shea, her phone number is 17xxxxxxx25, her card number is visa xxxxxxxx25. PayPal people, I can’t reach you without an account. Your security and service stinks if a person can’t reach you without an account.
  23. [R96] PayPal 1/5 · US Horrible customer service: Impossible to actually delete your account or get any real people to help u with a problem
  24. [R106] PayPal 1/5 · US Terrified customer service: Absolutely terrible customer service they have nobody real you can talk to and everything is AI decision based. Do Not Trust them with your money

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store