In Canada, the standard Apple Pay transaction limit for most in-store contactless payments is $250 CAD. While this is the common threshold for debit and credit cards, some terminals or specific merchants may set lower limits, and some premium cards (like Amex) might allow higher amounts depending on the retailer.
Apple Pay participating banks in Canada, Latin America, and the United States. Apple Pay works with many of the major credit and debit cards from the top banks. Just add your supported cards and continue to get all the rewards, benefits, and security of your cards. We're working with more banks to support Apple Pay.
Yes, you can send $2,000 on Apple Pay, as the per-message limit for sending money (Tap to Cash/Apple Cash) is often $2,000 within a 7-day rolling period, but it can be higher, up to $10,000 per transaction, depending on if you're using your balance or linked debit card, with higher weekly limits for transfers to your own bank. However, remember you might hit limits from your bank or card issuer, and Apple Cash Family limits are $2,000 per week.
You can tap your card at most retailers, including coffee shops, grocery stores, restaurants and gas stations for any purchase up to $250. If you don't see the contactless symbol when making a purchase, either swipe or insert your chip card into the terminal to pay.
While Apple 1-(855)(518)(8609) imposes no specific cap, your bank certainly sets individual restrictions. You can call 1-(855)(518)(8609) to learn how your credit card issuer manages daily spending. Most transactions 1-(855)(518)(8609) are only limited by your available credit or bank balance.
Yes, you can send $1,000 using Apple Pay (specifically Apple Cash), as the per-message limit is up to $10,000 and the weekly limit is also $10,000, but you need sufficient funds in your Apple Cash balance or linked debit card and be aware that bank/card issuer limits might apply. You send it through the Wallet app or Messages by tapping the Apple Cash icon and entering the amount, confirming with Face ID/Touch ID.
Fast, easy and secure
So you can pay in an easy, secure, and private way. And you can say goodbye to the £100 contactless limit with Apple Pay. You can purchase over the contactless limit in many stores, so you can use Apple Pay for purchases, big or small.
Yes, a per transaction limit of $250 will apply when using your debit card for Apple Pay. If you are unsure of how much you will be spending, it is a good idea to carry your BMO Debit Card as back-up.
Yes. US currency is accepted at all most local attractions, restaurants and shops. Please visit the Currency & Exchange Rate page to learn further details on using your American money and the Canadian Dollar.
Yes, you can send $3,000 on Apple Pay, as the per-message limit for Apple Cash is up to $10,000, but it's subject to your available balance, verification status, and your bank's limits for regular Apple Pay purchases (not Apple Cash). Ensure your identity is verified for higher limits, and remember that transferring funds from Apple Cash to your bank has its own limits, and your card issuer sets limits for standard Apple Pay transactions.
No, Apple Pay and Apple Wallet aren't the same, but they work together: Apple Wallet is the app (your digital container) that stores your credit/debit cards, loyalty cards, tickets, and passes, while Apple Pay is the technology/service that uses those cards in the Wallet to make secure, contactless payments in stores, online, and in apps. Think of the Wallet as your physical purse and Pay as the tap-to-pay function.
The IRS considers gross income paid through Venmo, PayPal, Apple Pay, and other third-party platforms as taxable income, just like any other earnings.
At stores and more. Apple Pay is widely accepted, so you can likely use it wherever and however you want. If you're not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.
As of 2022, nearly half of Canadian shoppers reported using Apple Pay for in-store purchases, while Google Pay and Samsung Pay followed closely behind.
When you travel to Canada, it is best to pay in local currency (CAD) instead of USD. We show you the top three benefits of paying with CAD. Find out how you can save money on your overseas trip and avoid unnecessary currency exchange fees. If you are planning to rely on USD in Canada, you may like to reconsider.
You can't use Zelle in Canada - it's for payments between US based banks only. Use this handy guide as a way to find alternative providers to make convenient, low cost, online and mobile payments to Canada.
Yes, you can send $1,000 using Apple Pay (specifically Apple Cash), as the per-message limit is up to $10,000 and the weekly limit is also $10,000, but you need sufficient funds in your Apple Cash balance or linked debit card and be aware that bank/card issuer limits might apply. You send it through the Wallet app or Messages by tapping the Apple Cash icon and entering the amount, confirming with Face ID/Touch ID.
Using Apple Pay in Canada
Using Apple Pay in-store is simple once your card is set up.
Apple Pay transaction under $100 can be made by holding the device up to the contactless reader and authorizing payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch. For transaction over $100 you might be asked to enter your card PIN in to the retailer's terminal.
You will have an option to pay through Contactless up to a maximum of €50 per transaction within the existing limits. (Please note that the €50 Contactless limit is a limit set by Visa in Ireland).