How do Apple Pay and Google Pay work ?
Mobile payment has profoundly changed consumer habits. Apple Pay and Google Pay allow for quick payment of purchases using a smartphone, tablet, or smartwatch, without manually entering card information.
With Apple Pay, simply add the card to the Wallet app and confirm the payment using Face ID, Touch ID, or an Apple ID code. With Google Pay, cards are saved in the Google Wallet app, and payment is made by tapping your smartphone against an NFC reader or directly on a website using your Google account.
In both cases, the process is fast, intuitive and perfectly suited to a mobile experience, reducing friction during the checkout process and improving fluidity for your customers.
Apple Pay and Google Pay: what are the advantages for businesses ?
Faster, more secure and perfectly suited to consumer habits, Apple Pay and Google Pay have become essential in e-commerce journeys.
Apple Pay and Google Pay : fast and seamless payment
Integrating these solutions offers your customers a simplified and seamless checkout process, significantly reducing cart abandonment and improving conversion rates. Offering mobile payment makes the shopping experience faster and meets the expectations of today’s connected consumers.
Less technical friction
Payment is made in one click, without leaving your website page or using the banking application.
No more waiting for 3D Secure SMS, which can sometimes take several minutes and result in a payment deadline being exceeded, forcing the customer to restart the entire purchase form.
With Apple Pay and Google Pay, the transaction is validated immediately from the smartphone, tablet or smartwatch.
A higher conversion rate
With over 744 million Apple Pay users worldwide¹, payment wallets represent a powerful acquisition channel for e-commerce businesses. The faster the checkout process and payment, the less hesitant the consumer, increasing the likelihood of completing the transaction. This efficiency makes mobile payments a strategic asset for attracting and converting more customers.
Apple Pay and Google Pay : secure mobile payments
Security plays a central role in the adoption of payment wallets. Apple Pay and Google Pay incorporate advanced mechanisms that protect transactions and strengthen user trust throughout the purchasing process.
Data tokenization
Bank details are never transmitted as is. Apple Pay and Google Pay generate a unique identifier for each transaction, which strengthens the protection of sensitive data.
Native biometric authentication
With Face ID, Touch ID or fingerprint validating each payment, the user confirms their purchase simply and securely, without any additional steps.
Limiting the risk of fraud
The combination of tokenization and biometric authentication reduces fraud attempts and secures the entire payment process.
Compliance with PSD2 requirements
Both solutions meet the requirements of PSD2 for strong authentication, which guarantees a level of security in line with European standards.
Digital wallet : what cost for merchants ?
Apple Pay and Google Pay are completely free solutions for merchants. The cost of a payment via e-wallet is the same as that of a transaction made with a traditional bank card, and payment providers do not impose any additional fees for using Apple Pay and Google Pay.
However, additional fees may apply for international money transfers.
What are the differences between Apple Pay and Google Pay ?
Discover in this table a comparison of the features of Apple Pay and Google Pay.
| Google Pay | Apple Pay | |
| Device and platform | Compatible with Android devices. Some features are limited on iOS devices. | Compatible with all devices and operating systems: – native for Apple devices – via QR code for other devices |
| Price | No additional fees. Payment providers apply standard card fees. | No additional fees. Payment providers apply standard card fees. |
| User experience and ergonomics | Simple interface | Optimized and intuitive interface |
| Payment security | Tokenization, encryption and biometric authentication | Tokenization, encryption, and biometric authentication. Apple devices are equipped with a security chip. |
| Payment method | Contactless payment, purchases in the Google Play Store, online payment. | Contactless payment, App Store purchases, online payment. |
| Customer support | Opinions are mixed. | Customer support is highly appreciated, with the option to contact them by phone, chat, and in-store. |
Integrate Apple Pay and Google Pay with CentralPay
Intégrez Apple Pay et Google Pay avec CentralPay pour proposer à vos clients un parcours de paiement moderne et performant. La solution offre une mise en place simple, compatible avec les CMS e-commerce, et vous permet d’activer les wallets en quelques étapes.
You benefit from a reliable payment environment, centralized management and modular tools designed to optimize conversion.
An effective way to enhance your payment experience while supporting your business growth.
Source
¹ PYMNTS, Apple Pay’s 10-Year Journey and Its Next Decade of Decisions (2024)
