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In their survey, Consumer Reports compared Apple Pay Cash with Zella, Square Cash, Venmo and Facebook (respectively Facebook Messages). The clear winner of the comparison test was the service Apple Pay Cash. Consumer Reports looked at security, privacy, support, and other aspects. The Consumer Reports report concludes by stating that “the overall rating Applu was significantly higher than for other services.

Service received the highest rating Apple Pay Cash in the field of security and privacy. Their level is one of the main requirements when choosing a service of this type. One of the biggest minuses of the Apple payment service was, unsurprisingly, the relatively low availability and relatively high system requirements: the service makes relatively high demands on the hardware for Apple devices, due to biometric authentication and the requirement for a sufficiently high storage capacity.

For “competitors” Square Cash, Venmo and Facebook Messenger Consumer Reports added points for good accessibility regardless of brand or operating system. However, the services received lower scores for privacy and personal data protection. “We’re trying to help people make informed decisions and think about security features they might not have thought about before,” said Justin Brookman, Consumer Reports’ director of consumer privacy and technology.

Due to insufficiently broad access, the overall score dropped Apple Pay to 76 points, with which the Apple service still clearly surpasses Venmo (69), Square Cash (64) and Facebook (63) “Our ratings focus on how well each service handles payment authentication, secures user data, and protects privacy, but we also consider the quality of customer support and other factors,” Consumer Reports said.

According to a report by eMarketer, mobile payments saw a 24% increase this year. The total number of customers using mobile P2P payments reached 79 million. Success Apple Pay also mentioned Tim Cook during the recent announcement of the company's financial results Apple.

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