Apple Celebrates 10-Year Anniversary of Apple Pay With Open Letter and Interview

Apple today shared a letter celebrating the upcoming 10-year anniversary of Apple Pay, which launched in the U.S. on October 20, 2014, as part of iOS 8.1.

Apple Pay 10
Apple Pay has since become available in over 75 countries and regions, and the vast majority of retailers in the U.S. now accept contactless payments, with one notable exception being Walmart. Two other longtime holdouts that are finally rolling out contactless payments in the U.S. include The Home Depot and Texas-based grocery store chain H-E-B.

Apple also announced new Klarna and PayPal integrations for Apple Pay.

Starting today, eligible customers in the U.S. and U.K. have access to financing through "buy now, pay later" service Klarna when checking out with Apple Pay on the web and in apps on iOS 18 and iPadOS 18. And starting next year, customers in the U.S. will be able to see their PayPal balance when using their PayPal debit card in the Wallet app on the iPhone.

Here is the full letter from Jennifer Bailey, Apple's vice president of Apple Pay and Apple Wallet:

When we started our journey with Apple Pay 10 years ago, we saw a unique opportunity to leverage Apple's hardware and software to make a meaningful impact on the financial health and lives of our customers. From the outset, we envisioned a world where you could use your iPhone to seamlessly pay for everything — from groceries to train tickets, in person and online, across the globe — all while keeping your personal and financial information safe and private.

Today, Apple Pay is used by hundreds of millions of consumers in 78 markets, at checkout on millions of websites and apps, in tens of millions of stores worldwide, and is supported by more than 11,000 bank and network partners. We hear from customers every day about how much they love the ease, security, and privacy protections Apple Pay provides in their daily lives, and how much they enjoy using it across their devices — including iPhone, Apple Watch, iPad, and Mac.

One of my earliest memories of realizing how Apple Pay was positively impacting consumers' lives was when we rolled out Apple Pay for transit in Tokyo, which is used by millions of travelers every day. I watched in awe as people quickly tapped their iPhone or Apple Watch to pay while passing through the turnstiles — no need to fish out any cash, cards, or coins from their wallets, or even unlock or wake their device. It's a great example of how Apple Pay's seamless and secure customer experience delivers convenience and peace of mind to consumers around the world, whether they're commuting to work, shopping online, or picking up their morning coffee.

We know how important it is for customers to feel secure and trust that their financial transactions are private when making a payment. That's why we're always working to safeguard consumers, while also enabling banks to have industry-low levels of fraud for Apple Pay transactions. And it's also why Apple Pay was designed to protect users' highly sensitive personal and financial information, like their card number, which is never shared with merchants. Our customers trust that when they use Apple Pay anywhere, they can have the peace of mind that their payments are protected.

Looking ahead at what's next for Apple Pay, we are excited to now bring our users more ways to pay, including the option to redeem rewards and access installment loans from Apple Pay-enabled issuers and lenders right at checkout with Apple Pay online and in-app on iPhone and iPad. This gives consumers greater flexibility in how they pay with the easy and trusted Apple Pay experience they already know and love. It also provides Apple Pay-enabled issuers and lenders with new ways to connect with their customers, and make their rewards and installment offerings even more accessible.

Beyond payments, we're also advancing our broader vision of replacing users' physical wallets with an easy, secure, and private digital wallet — Apple Wallet. Today, users can seamlessly and securely add and access eligible event tickets, transit cards, keys, government IDs, and more all from Apple Wallet. And we're always looking for new ways to make using Apple Wallet convenient while delivering unparalleled security and peace of mind.

The last decade was an incredible journey, and we're thrilled that so many people around the world are enjoying the experience that Apple Pay and Apple Wallet provide. I can't wait to see what the next 10 years have in store.

Bailey also sat down for an interview with Frank McShan:

Related Roundup: Apple Pay

Popular Stories

General Apps Messages Redux

iOS 26: New Messages and Phone App Features Leaked Ahead of WWDC

Friday June 6, 2025 7:27 am PDT by
Apple is planning to announce several new features for the Messages and Phone apps on iOS 26, according to Bloomberg's Mark Gurman. In a lengthy report outlining his WWDC 2025 expectations today, Gurman said that the two main changes in the Messages app will be the ability to create polls, as well as the option to set a background image within a conversation. 9to5Mac was first to report...
iPhone 17 Air Size Feature

'iPhone 17 Air' Launching Later This Year With These 17 New Features

Friday June 6, 2025 6:17 am PDT by
While the so-called "iPhone 17 Air" is not expected to launch until September, there are already plenty of rumors about the ultra-thin device. Overall, the iPhone 17 Air sounds like a mixed bag. While the device is expected to have an impressively thin and light design, rumors indicate it will have some compromises compared to iPhone 17 Pro models, including worse battery life, only a single ...
macOS Tahoe Render

macOS Tahoe Might Support One Fewer Mac Than Previously Rumored

Saturday June 7, 2025 5:27 am PDT by
macOS 26 will drop support for several older Intel-based Mac models currently compatible with macOS Sequoia, according to a private account on X with a proven track record of leaking information about Apple's software platforms. macOS 26 will be compatible with the following Mac models, the account said:MacBook Air (M1 and later) MacBook Pro (2019 and later) iMac (2020 and later) Mac...
iOS 26 white

iOS 26's Digital Glass Design: Home Screen Widgets, Camera, and More

Friday June 6, 2025 8:32 am PDT by
In a lengthy report outlining his WWDC 2025 expectations today, Bloomberg's Mark Gurman shared more details about iOS 26's rumored new design. According to Gurman, iOS 26 will feature a "digital glass" design inspired by visionOS, the operating system for Apple's Vision Pro headset. That is a well-known rumor by now, but he goes on to provide some more specific details, as listed below:There ...
iOS 26 Messages Background Mock Feature

iOS 26 Getting Custom AI-Generated Message Backgrounds, Generative Shortcuts and 'Mixmoji'

Friday June 6, 2025 12:57 pm PDT by
The iOS 26 Messages app is set to gain support for customized backgrounds for conversations, and it appears that AI will be an option for generating different looks. According to Nicolás Alvarez, iOS 26 code suggests that users will be able to generate backgrounds for the Messages app using text-based descriptions. The feature appears to use Image Playground, and there will be Image...
watchOS 26 Mock Feature

watchOS 26 to Support These Apple Watch Models

Friday June 6, 2025 3:22 am PDT by
Apple's upcoming watchOS 26 software update will support all Apple Watch models that are compatible with watchOS 11, according to a private account on X with a proven track record for upcoming software updates. If this rumor is accurate, and we believe it is, watchOS 26 will be compatible with the Apple Watch Series 6 and beyond: Apple Watch SE (2nd generation) Apple Watch Series 6 ...

Top Rated Comments

spartan1967 Avatar
9 months ago
Apple Pay. One of Apples most successful innovations. Just love everything about it!
Score: 33 Votes (Like | Disagree)
Crowbot Avatar
9 months ago
10 years?? How time flies.
Score: 13 Votes (Like | Disagree)
Justin Cymbal Avatar
9 months ago
Apple Pay has been an incredible success story

I never even carry a physical credit card with me (pretty much everywhere I go)

When I was in New Zealand in March, every single place that I went to took Apple Pay. It was super convenient and the currency exchange on the Apple Card made it super easy to see the actual price in USD (with the real time currency conversion)
Score: 11 Votes (Like | Disagree)
djcerla Avatar
9 months ago
It never failed in 10 years.

It’s the Apple Watch killer app for me.
Score: 11 Votes (Like | Disagree)
Ctrlos Avatar
9 months ago
Probably the best example of the post-Jobs era of Apple taking an existing piece of technology and removing all barriers to adoption and use. Apple (and Google) Pay are both wonderfully convenient!
Score: 10 Votes (Like | Disagree)
haruhiko Avatar
9 months ago
Apple Pay credit cards. Apple Pay transit cards.

These two have totally transformed the world for me.
I seldom pay by physical credit cards anymore, and my daily commute can all be done on my Apple Watch. No authorization is needed after device unlock and as long as the Watch is still on your hand.
It’s one of the most successful Apple product that many people don’t realise.

All retailers that have NFC wireless card readers automatically support Apple Pay. I don’t know how retailers in the U.S. can deny it for so long. Major fail on their part.
Score: 10 Votes (Like | Disagree)