Apple Pay needs a supported card from a participating issuer, a compatible device and a merchant that accepts the payment. A country appearing on Apple’s list does not mean every bank, card or checkout in that country supports it.
Which countries support Apple Pay?
Use Apple’s current country and region list for the complete answer. This quick table gives examples and the bank directory to check next; it is not a complete list of countries.
| Region | Examples on Apple’s list | Official bank and card-issuer list |
|---|---|---|
| North America | Canada; United States and Puerto Rico | Canada and the Americas |
| Latin America and the Caribbean | Argentina, Brazil, Chile, Colombia, Mexico and Peru | Canada and the Americas |
| Europe | France, Germany, Italy, Spain and the United Kingdom | Africa, Europe and Middle East |
| Africa | Egypt, Mauritius, Morocco and South Africa | Africa, Europe and Middle East |
| Asia-Pacific | Australia, China mainland, Hong Kong, Japan and Singapore | Asia-Pacific |
| Middle East | Bahrain, Israel, Jordan, Kuwait, Qatar, Saudi Arabia and UAE | Africa, Europe and Middle East |
How to check whether your bank and card work
- Open the official bank directory for the country where your card was issued.
- Find the issuer’s name. A bank’s local company can differ from its similarly named business abroad.
- Check the issuer’s own Apple Pay page for your exact credit, debit, prepaid or business card.
- Try adding the card in Wallet and complete the bank’s verification steps.
- If the card is rejected, contact the issuer with the error message. Apple does not approve cards on the bank’s behalf.
Apple notes that some cards from participating banks are not supported. A list of “top banks supporting Apple Pay” is therefore less useful than checking the card you actually have. Also check any regional or account restrictions with your issuer.
Is Apple Pay accepted everywhere?
No. In a shop, look for the contactless or Apple Pay mark and ask the merchant if needed. In an app or website, look for its Apple Pay checkout option. Apple explains the different payment settings in its where to use Apple Pay guide.
Card setup and merchant acceptance are separate checks. You may have a supported card in Wallet but be at a checkout that does not accept it. A declined transaction may also involve the issuer, the card or the merchant; changing the phone’s region is not a general fix.
ATM withdrawals are another separate feature: both your issuer and the machine must support the method. Our ATM myths and cardless-cash guide explains the checks and what to do if a transaction goes wrong.
Devices, travel and other common mix-ups
- Google Pay: a bank supporting Apple Pay does not prove it supports Google Pay, or the other way around. Check each service separately.
- Apple Cash: sending money through Apple Cash is a separate service with its own eligibility rules.
- Travel: confirm the merchant’s payment network and your issuer’s overseas-use terms before relying on your phone alone.
- A dead iPhone: ordinary card payments and Express Mode have different requirements. Read what can work when an iPhone battery runs out.
If Face ID stopped working after a repair, see our Face ID checks after a screen replacement rather than treating it as a bank-compatibility problem.
Updated October 15, 2026. Reviewed using the sources linked in this guide.