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

Apple Wallet vs Square Point of Sale (POS)

Apple Wallet 4.8★ · Free to download 65
Winner Square Point of Sale (POS)
Square Point of Sale (POS) 4.8★ · Free to download 75

Square Point of Sale is the better choice for businesses needing a reliable and feature-rich payment processing solution, despite some issues with fund holds and customer support, while Apple Wallet is best for personal, convenient digital payments and card storage.

Full reviews: Apple Wallet · Square Point of Sale (POS)

Apple Wallet excels as a personal digital wallet for convenient payments, tickets, and cards, though users report issues with fund transfers and scam prevention. Square Point of Sale (POS) is highly praised by small businesses for its ease of use and reliable payment processing, but faces criticism for holding funds and customer support challenges.

Head to head

Features and Functionality edge: Square Point of Sale (POS)R8R11R12R15
Apple Wallet Apple Wallet is highly valued for its convenience in storing various items like payments, concert and movie tickets, and membership cards, making it easy to access everything in one spot R8R11. However, some users find its functionality limited, wishing for budgeting tools or more options beyond basic card storage R12. There are also requests for an app icon for easier access R15.
Square Point of Sale (POS) Square POS is praised for its comprehensive features, allowing businesses to customize products for easy access and manage sales effectively . It supports various payment methods including tap, insert, and swipe, with options for same-day or next-day fund transfers . Users appreciate its ability to help with business loans and overall hassle-free processing . Some recent updates, however, have made features like the 'Notes' field difficult to use or caused issues with reports and balance viewing .
Ease of Use edge: Square Point of Sale (POS)R8R26R44R50
Apple Wallet Apple Wallet is frequently described as very convenient, handy, and easy to use for everyday payments R26R44R50. Users appreciate the quick access to cards and tickets with just a few clicks R8.
Square Point of Sale (POS) Square POS is widely recognized as easy to use and beginner-friendly, making it successful for small businesses . Setting up and processing payments is generally straightforward . However, recent updates have sometimes made the app harder to use, causing confusion during transactions .
Reliability and Performance tieR3R4R13R16
Apple Wallet Apple Wallet is generally seen as safe and reliable for payments R40. However, users report significant issues with money disappearing or being taken without consent R3R4R13R43. There are also complaints about cards not being added or working , and difficulties with identity verification R16R33.
Square Point of Sale (POS) Square POS is often described as reliable for processing payments . However, a major recurring issue is Square holding or delaying funds, often flagging transactions for review, which can take days R61R67R76. Some users also report issues with identity verification preventing access to payment features . There are also reports of glitches, especially with the free version, and issues with the app saying transactions processed when they actually failed .
Customer Support and Trust edge: Apple WalletR6R7R33R40
Apple Wallet Apple Wallet's customer service is cited as great by some R40, but others report difficulty getting issues resolved, especially concerning money disputes or account restrictions R33. There are also concerns about scams using the app and the app's role in preventing them R6R7.
Square Point of Sale (POS) Square POS receives significant criticism for its customer support, with users reporting difficulty contacting support, unhelpful responses, and accounts being deactivated without clear recourse R79. Many users feel Square unfairly sides with customers in disputes, even with evidence . There are also reports of accounts being banned or funds held for extended periods without adequate explanation or resolution R79.
Price/Value edge: Apple WalletR1R42R66R90
Apple Wallet Apple Wallet is free to download and use for basic functions. Some users mention that Apple products or related services can be expensive R1R42.
Square Point of Sale (POS) Square POS is free to download, but users highlight the transaction fees, such as 2.6% + 10 cents on tap payments, which some consider high or 'highway robbery' R66R90. Despite these fees, many users find the service worth the cost for the convenience and reliability it offers their business .
Pick Apple Wallet if

You are an iPhone user looking for a convenient way to store and use digital cards, tickets, and make personal payments, prioritizing ease of access for everyday transactions R8R26.

Pick Square Point of Sale (POS) if

You own a small business and need a reliable, easy-to-use point-of-sale system for processing customer payments, especially if you value features like product customization and various payment methods .

Evidence note: Both apps are free to download, so the free-vs-paid asymmetry is less about initial access and more about the nature of their use cases: Apple Wallet for personal transactions and Square POS for business transactions, which inherently involves fees.

Frequently asked

Does Apple Wallet have issues with money disappearing?
Yes, several users report instances of money disappearing from their Apple Cash or being taken without consent, with some finding it difficult to get these funds back R3R4R13R43.
What are the main complaints about Square Point of Sale?
The main complaints about Square Point of Sale revolve around funds being held or delayed for review, often for several days, and poor customer support that struggles to resolve these issues or account deactivations R61R67R76R79.
Can I use Apple Wallet for budgeting?
Based on user reviews, Apple Wallet is limited in its budgeting capabilities, with some users noting that they cannot budget within the app and find other apps like Cash App better for that purpose R12.
Are Square Point of Sale fees high?
Some Square Point of Sale users consider the transaction fees, such as 2.6% + 10 cents for tap payments, to be high R66R90.

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. [R26] Apple Wallet 5/5 · US I love my wallet: The wallet is so handy and easy to use. I Love my Awesome Wallet
  6. [R44] Apple Wallet 5/5 · US Jameson: Work really well and is super easy
  7. [R50] Apple Wallet 5/5 · US Wallet is great!: Makes life so much easier.
  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. [R13] Apple Wallet 1/5 · US Money was took: Transactions was fraud
  11. [R16] Apple Wallet 1/5 · US Unable to Identify myself????: It will not allow me to update my account and says caution.
  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. [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
  15. [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.
  16. [R1] Apple Wallet 1/5 · US No Good: I never usually like to write a review. However I want to say that I am disappointed with the charger. The charger even when fully charged doesn’t hold the charge. Within 10 mins the charger battery goes down. Not a good buy and also too expensive for the hype. This my honest opinion.
  17. [R42] Apple Wallet 5/5 · US Fácil: Caro pero Explícito.😁😁👍🏼
  18. [R66] Square Point of Sale (POS) 3/5 · US Payment: This stupid app never transfer the money when it’s exposed to and then it won’t verify oh you got the bank account number in there. Why do you need to verify then you take 2.6% +10% on tap so if order is $250 they taking $7.33 for using a service. This is highway robbery. You just like Uber. You just like Lyft you like DoorDash.
  19. [R90] Square Point of Sale (POS) 3/5 · GB Good app… HIGH fees: Whilst app manufacture and ongoing support requires money to make it happen it’s frustrating that more users producing more profits don’t enable fee reduction for use ! A FAIR balance of low fees against increase of usage by more customers would attract even more users to utilise this app.
  20. [R43] Apple Wallet 1/5 · US They steal your money: Money was stole through Apple
  21. [R61] Square Point of Sale (POS) 1/5 · US Square App: Square will not release my money & I had a terrible experience with square for the past couple of years! I had not had a problem with Square before COVID & during COVID. But after COVID they had started holding my funds! Square has never release the funds! Square is absolutely terrible in my experience!
  22. [R67] Square Point of Sale (POS) 1/5 · US Dont waste time: Everything about the app and the payment process is fine i use it alot for my business but the big, main and only concern with this app and why i would not recommend it is because they play with your money! Every transaction I’ve had since opening the account gets flagged by there system and then i cant access the money earned from my sale until 2-3 business days later which is di
  23. [R76] Square Point of Sale (POS) 2/5 · US Handyman/Contractor: I have been using this app for a few months now. Every time I do a point of sell, they “randomly” flag my account for review. If it’s on a Saturday, it won’t clear until Monday. I recently processed a payment for $2500 during business hours and it cleared. I finished the job at 8pm and the same client sent me $400 and it was flagged for review which I’m told takes 24 to 48 hou
  24. [R79] Square Point of Sale (POS) 1/5 · US They deactivated my account one night before payroll: After years with 0 problems or chargebacks and thousands of clients they deactivated my account for “security concerns” and said too bad, nothing we can do about it. No manual review or ability to restore it. Update: I already spoke to your customer service there and they said the decision is final and they will not reactivate my account.

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