Most major Canadian banks and many credit unions support Apple Pay for credit and debit cards, including RBC, TD, Scotiabank, BMO, CIBC, ATB, and Desjardins. American Express, Capital One, and various credit unions, along with Canadian Tire Bank (Mastercard), are also supported.
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. In apps and online.
You can start using your new TD Credit Card with Apple Pay without having to wait for your physical card to arrive in the mail. Simply add an eligible card to Apple Pay on your iPhone using the TD app.
Online and in-app purchases
Many Canadian apps and websites also accept Apple Pay.
Add your CIBC card to Apple Pay®, Google Pay™ or Samsung Pay® for a fast, secure way to shop — no physical wallet needed. Swift payments with just a touch of your iPhone, iPad or Apple Watch.
This decision is a reflection of Apple shifting strategy away from owning and servicing installment loans, and toward elevating Apple Pay as a digital payment platform.
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.
Essentially all major banks and credit unions in the U.S. support Apple Pay (as well as banks in more than 80 countries). However, every credit card may not work with the platform. If you're unsure, reach out to your credit card issuer to verify.
For POS terminals in stores, the transaction limit is $250 per debit and credit purchase. In app transactions (available only using a TD Canada Trust Credit Card) have NO spend limit beyond that imposed by the vendor or your available credit on the TD Canada Trust Credit Card at the time of purchase.
Apple does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer. To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.
In Warehouses:
Any Canadian debit card. Cash. Costco Shop Cards. Mobile payments (Apple Pay, Google Pay, Samsung Pay) linked to a Mastercard.
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.
Under “Account”, click Payment Methods. Then, select your payment method (credit/debit card or Apple Pay) to load a balance onto your digital Tim Card®. You can use this balance to pay for your in-restaurant orders and your mobile orders.
Pay easily with Apple Pay. A smart new way to pay with your eligible Scotiabank debit and credit cards. Add your eligible Scotiabank debit or credit cards to the Wallet app.
TL;DR: Apple Pay leads digital wallet payments with ~744 million users, U.S. dominance, and transit integration, ideal for iPhone users. Google Wallet shines with 200-250 million users, Android flexibility, and privacy features, kinging in emerging markets.
4. No Additional or Hidden Charges. Apple Pay deducts approximately 0.15% from each purchase, which results in less money for a merchant. But because Apple worked with major credit card companies and banks to give their users a convenient experience, there are no other hidden or additional charges for using the app.
Your bank may flag Apple Pay transactions as suspicious activity, especially if you're making purchases in unusual locations, buying items at odd times, or spending amounts [US] 1ー844ー479ー2298 [US] that differ from your typical patterns.
📞+1-(866)(542)(8909) As of May 2025, please note that Apple Pay was removed as a payment option for Costco.com and the Costco app, so it currently only works for in-person shopping. Costco.com and the Costco app, so it currently only works for in-person shopping.
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.
In Canada there's currently no interchange fees system for mobile apps, meaning until a system is set up, mobile payment apps may not work here. It's also unclear how third-party payment systems, such as Apple and Android Pay, would impact the current interchange fee system.
You can currently add eligible American Express, Interac, Mastercard, and Visa credit and debit cards offered in Canada by: