Apple Pay: Digital Payment Innovation

Apple Inc. provides a digital payment service known as Apple Pay, which allows clients to pay through iPhone, iPad, or Mac devices. The service was initially launched in the US in October 2014 and has been available in other parts of the world since then. In February 2019, it was reported that Apple Pay would be coming to New Zealand later that year, and soon after, it gained a huge following among Kiwi users. Now, Apple Pay is popular among online casino gamblers because it employs advanced security features such as face and touch ID, as well as tokenisation, which guarantees safer payment options.

Recently, there has been Apple Pay's reliance on Near Field Communication (NFC) technology which makes it more secure than its alternatives making people move towards more secure payment methods. In addition, with Apple Pay, there is no risk of your card details being archived on your device or given to a merchant during a transaction.

Fees and Limits of Apple Pay

Apple Pay offers instant deposits from $10 to $10,000 without additional fees. However, note that some casinos may apply their own charges, so don't forget to check it out before starting to deposit. Also, Apple Pay is not available for making withdrawals.

	Limit	Time	Fees
Minimal Deposit	$10	Instant	No Fees
Maximal Withdrawal	Not Supported	Not Supported	Not Supported

Apple Pay at Online Casinos

If you’re using an iPhone, iPad, or Mac, Apple Pay is one of the fastest and most convenient ways to make a casino deposit. It acts as a payment gateway, not a digital wallet. It doesn’t actually store money. Instead, it transfers funds from your linked debit or credit card, or sometimes a connected bank account. Because of that, any deposit limits or restrictions are set by your underlying card or bank, not Apple Pay itself. For example, if your bank blocks gambling transactions on your debit card, you won’t be able to use that card through Apple Pay either. Every transaction is verified securely on your device using Face ID, Touch ID, or your passcode, which means your real card details are never shared with the casino.

Set up Apple Pay

Before depositing, make sure Apple Pay is set up on your device. On an iPhone or iPad, open the Wallet app, tap “+”, and add your debit or credit card. You can scan it or enter details manually, then verify it with your bank. Once confirmed, Apple Pay is ready to use. If you are using a Mac, go to System Settings, then Wallet & Apple Pay, click Add Card, and follow the same steps.

Check if your casino accepts Apple Pay

Not all casinos support Apple Pay, so check before you deposit. You’ll usually find this information in the Payments or Cashier section. Apple Pay normally appears only if you’re using an Apple device. So, if you’re on Android or another browser, the option may not show up. Also, note that casinos only allow deposits, not withdrawals, with Apple Pay.

Make a deposit

Log in to your casino account and open the Cashier or Deposit page. Choose Apple Pay, enter your amount (usually a minimum of $10–$20), and confirm. You’ll be asked to verify the payment using Face ID, Touch ID, or your passcode. Apple Pay uses tokenisation, meaning your actual card details aren’t shared with the casino. Once approved, the funds transfer instantly from your linked card.

Wait for the funds

Deposits made through Apple Pay are generally instant, so your funds will appear in your casino balance almost immediately. You’ll usually receive confirmation from both the casino and Apple Pay within seconds of completing the payment.

Apple Pay Security

One of the best advantages of Apple Pay is that there is no need to give confidential information about your bank account to online casinos. With Apple Pay, users do not need to provide their credit or debit cards on the casino’s site, and this minimises the chances of fraudulent activities.

Two-Factor Authentication: Apple Pay uses two-factor authentication, ensuring that only the user can confirm transactions. This adds an extra layer of security, making it even more difficult for unauthorised parties to perform fraudulent transactions.
EMV Tokenisation: Apple Pay leverages EMV tokenisation, which enhances security by replacing your actual card number with a unique, one-time token for each transaction. This token is highly encrypted, making it impossible for anyone, including you and the merchant, to access the original card details. Importantly, merchants never receive or store real card data.
Unique Security Code for Each Transaction: Each transaction made with Apple Pay generates a unique security code, further enhancing protection. This code ensures that even if a token is compromised, it cannot be used again.
No Card Data Storage or Sharing: Apple Pay does not store your card details and does not share them with merchants. This ensures your financial information remains secure and private, as the service works entirely through tokenised data.
Authentication via Passcode, Face ID, or Touch ID: In addition to Face ID and Touch ID, Apple Pay also supports authentication via passcode. This multi-layered authentication system ensures that only the rightful user can approve transactions, further reinforcing the security of the service.

Apple Pay Identity Verification

The setup of your Apple Card or Apple Cash comes with identity checks, which in turn enhances the security of payments made through Apple Pay. This allows for sending, receiving and requesting money after a person's identity has been verified. Some details that need to be verified include name, address, and date of birth. In certain cases, a government-issued photo identification card is necessary. After submission, it is verified by Apple which normally takes a few minutes but can also take a few days. This process ensures that services provided through Apple Pay are strictly accessed and used by authorised individuals.

Pros and Cons of Apple Pay

Our experts gathered all the advantages and disadvantages of using Apple Pay as your banking option at online casinos. This will help you to see the whole picture and decide for yourself if you want to use it.

Pros

Payments only take a few seconds
Your financial information is always secure
Can be used to make mobile payments
Offers reliable customer support

Cons

Apple Pay is not very popular among casinos
Not available for withdrawals

BetPokies Advice: Securing Your Apple Pay Experience

To maintain a secure payment experience, BetPokies recommend regularly updating your iOS device. New updates often include critical security patches that protect your personal and financial information from emerging threats. For instance, new iOS 18 enhanced customisation options, improved privacy features, and updates to the Wallet app, all of which contribute to a more secure payment environment. To update your device, navigate to the Settings app, then press on General, and choose Software Update.

Alternatives to Apple Pay

While Apple Pay is a great payment method, it's not available at all online casinos. If you're looking for alternatives, we recommend checking out the following methods: