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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Apple Pay

    Score9.1 out of 10
    N/AApple Pay is a payment gateway the vendor states gives customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat.N/A

    PayPal Payments Pro

    Score8.6 out of 10
    N/APayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer accounts around the globe.

    $0.02

    per transaction

    XTransfer

    N/AN/AXTransfer is a cross-border financial and risk management service company that specializes in helping SMEs reduce the barrier and cost of global expansion and enhance their global competitiveness. Headquartered in Shanghai,it has branches in China’s major foreign trade cities such as Hong Kong, Shenzhen and has set up offices in major export destinations including the United Kingdom, the United States, Canada, Japan, Australia and Singapore. To date, XTransfer has obtained local payment…N/A
    Pricing
    Apple PayPayPal Payments ProXTransfer
    Editions & Modules
    No answers on this topic
    QR code Transactions
    1.90% + fixed fee
    per transaction
    Charity Transactions
    2.20% + fixed fee
    per transaction
    Commercial Transactions - In-Store
    2.70% + fixed fee
    per transaction
    Commercial Transactions - Online
    2.90% + fixed fee
    per transaction
    PayPal's pay later offers
    2.90% + fixed fee
    per transaction
    Venmo
    2.90% + fixed fee
    per transaction
    No answers on this topic
    Offerings
    Pricing Offerings
    Apple PayPayPal Payments ProXTransfer
    Free Trial
    NoNoNo
    Free/Freemium Version
    NoNoNo
    Premium Consulting/Integration Services
    NoNoNo
    Entry-level Setup FeeNo setup feeNo setup feeOptional
    Additional Details
    More Pricing Information
    Community Pulse
    Apple PayPayPal Payments ProXTransfer
    Considered Multiple Products
    Apple
    Chose Apple Pay
    we use them all together giving our customers the choice they need
    Incentivized
    Chose Apple Pay
    I think Apple Pay works best and is easiest to use.
    Incentivized
    Chose Apple Pay
    Newer, less old framework to worry about. It has the Apple name with it and basically comes ready to use on their devices which is nice for the audience who will be using it.
    Incentivized
    Chose Apple Pay
    Apple is still superior to other things there. I am not too familiar with android payment systems, so I can't compare that. But I also know our customers prefer PayPal Payments, which does make payments easy, but it isn't as seamless as Apple Pay. Apple Pay is still the best …
    Incentivized
    PayPal
    Chose PayPal Payments Pro
    I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same.

    The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out …
    Incentivized
    Chose PayPal Payments Pro
    PayPal Payments, at the end of the day, was an easy sell to management and an auto integration with our eCommerce software. We already informally accepted PayPal for international customers to reduce risk, and taking it a step further was an easy next step. It was a one or …
    Incentivized
    Chose PayPal Payments Pro
    PayPal Payments is probably my favorite payment app because it is the most intuitive, it is easy to use, and it is also one of the longest standing apps which has given ample time to become familiar with it and ensure that it works well. It allows employees to designate one …
    Incentivized
    XTransfer
    No answer on this topic
    Key User Insights
    Would buy again
    100%
    Would buy again
    24 Answers
    85%
    Would buy again
    34 Answers
    No answers on this topic
    Delivers good value for the price
    100%
    Delivers good value for the price
    24 Answers
    90%
    Delivers good value for the price
    36 Answers
    No answers on this topic
    Happy with the feature set
    100%
    Happy with the feature set
    24 Answers
    90%
    Happy with the feature set
    36 Answers
    No answers on this topic
    Lived up to sales and marketing promises
    100%
    Lived up to sales and marketing promises
    18 Answers
    89%
    Lived up to sales and marketing promises
    33 Answers
    No answers on this topic
    Implementation went as expected
    95%
    Implementation went as expected
    19 Answers
    95%
    Implementation went as expected
    35 Answers
    No answers on this topic
    Features
    Apple PayPayPal Payments ProXTransfer
    Payment Gateways
    Comparison of Payment Gateways features of Apple Pay and PayPal Payments Pro and XTransfer
    Feature
    Apple Pay
    8.3
    6 Ratings
    11% above category average
    PayPal Payments Pro
    -
    Ratings
    XTransfer
    -
    Ratings
    Fraud Detection9.86 Ratings00 Ratings00 Ratings
    API or SDK9.94 Ratings00 Ratings00 Ratings
    Recurring Payment Support7.56 Ratings00 Ratings00 Ratings
    Billing and Invoicing Support7.86 Ratings00 Ratings00 Ratings
    Global Support6.96 Ratings00 Ratings00 Ratings
    Payment Form Acceptance7.96 Ratings00 Ratings00 Ratings
    Best Alternatives
    Apple PayPayPal Payments ProXTransfer
    Small Businesses
    Stripe Payments
    Score9 out of 10
    Apple Pay
    Score9.1 out of 10
    Wise
    Score9.7 out of 10
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    Payoneer
    Score8 out of 10
    No answers on this topic
    Enterprises
    Checkout.com
    Score10 out of 10
    Checkout.com
    Score10 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    Apple PayPayPal Payments ProXTransfer
    Likelihood to Recommend
    8.9
    (24 ratings)
    8.2
    (72 ratings)
    -
    (0 ratings)
    Likelihood to Renew
    7.3
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Usability
    9.9
    (5 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Support Rating
    -
    (0 ratings)
    2.3
    (9 ratings)
    -
    (0 ratings)
    User Testimonials
    Apple PayPayPal Payments ProXTransfer
    Likelihood to Recommend
    Apple
    If you accept payments while selling goods and services, Apple Pay can help you speed up the payment process while securely accepting payments. Since there is no need to stick a card into a machine, users won't have to fumble looking for a card when they can put their whole wallet on Apple Pay and check out easily.
    Incentivized
    Read full review
    PayPal
    Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.
    Read full review
    XTransfer
    No answers on this topic
    Pros
    Apple
    • The double click which launches it couldn't be easier; you don't even have to open your phone and find the app.
    • It's pretty much fool proof from there, as just holding your phone near the reader is sufficient for success.
    • Haptic feedback ensures that I know the payment registered.
    • I have full faith and confidence that the transaction was executed securely.
    Incentivized
    Read full review
    PayPal
    • PayPal offers me the option of converting my currency deposited in my account to another currency, so I can complete all kinds of payments and send money to employees who are in another country for business reasons.
    • The mobile phone application is too fast, I can make payments to my employees in a matter of seconds without having to wait for the web version to load.
    • Scheduled payments are great. PayPal allows me to add a list of contacts to my PayPal Business account, and after adding the contacts, I can schedule payments for a specific day and time. It's easier to make automated payroll payments with PayPal.
    Incentivized
    Read full review
    XTransfer
    No answers on this topic
    Cons
    Apple
    • At times, my Apple Pay will pop up unintentionally. Perhaps there can be more safeguards around that.
    • Apple Pay is not super great if I need to make a return. For any return, I've found that paper receipts are superior.
    • Apple Pay sometimes requires very specific positioning when scanning the phone, which is frustrating.
    Incentivized
    Read full review
    PayPal
    • Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
    • The PayPal logo on the checkout page can be kind of large and obtrusive.
    • They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.
    Incentivized
    Read full review
    XTransfer
    No answers on this topic
    Likelihood to Renew
    Apple
    It's now a standard.
    Incentivized
    Read full review
    PayPal
    No answers on this topic
    XTransfer
    No answers on this topic
    Usability
    Apple
    Love the simplicity, i think it's a good way of getting apple-lovers to purchase things from the palm of their hand
    Incentivized
    Read full review
    PayPal
    No answers on this topic
    XTransfer
    No answers on this topic
    Support Rating
    Apple
    No answers on this topic
    PayPal
    Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).
    Incentivized
    Read full review
    XTransfer
    No answers on this topic
    Alternatives Considered
    Apple
    When I had my Android/Samsung phone, I tried Samsung's version of Apple Pay and it was terrible. It was very glitchy, and sometimes I would get a notification that I paid for something when I wasn't even in a checkout screen, like I was just browsing the internet or something and I'd get a notification! It was alarming and I quickly uninstalled the app and never used it again.
    Incentivized
    Read full review
    PayPal
    I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same. The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out there, but we offer Apple and Google Pay). As a business, I prefer Apple or Google Pay to PayPal Payments, but we offer either Google or Apple Pay, PayPal, and credit card options and PayPal is always right up there with credit cards. I don't foresee us ever getting rid of PayPal Payments as an option, but we do try to only offer it on request for higher ticket items or high dollar installment purchases.
    Incentivized
    Read full review
    XTransfer
    No answers on this topic
    Return on Investment
    Apple
    • Able to provide employees with digital company cards.
    • Convenient tracking of money spent.
    • Caring for others in our workplace and community through gifts and purchases.
    Incentivized
    Read full review
    PayPal
    • Our daily revenue has been increased when started PayPal Payments as the payment gateway.
    • Refund rate and recurring revenue is stable and disputes are handled properly.
    • Forex Fluctuations is controlled and solved the buying experience for few users.
    • Solved problem for different currencies and retained our users.
    Incentivized
    Read full review
    XTransfer
    No answers on this topic
    ScreenShots