Apple Pay is fast and free with Shopify Payments. Discover how it stacks up against Wallid’s Pay by Bank — with lower fees, instant payouts, and zero chargebacks.
Wondering how Apple Pay compares to Pay by Bank on your Shopify store? This guide breaks down the real costs, speed, and risk factors of each payment method. Whether you’re aiming to reduce transaction fees or improve checkout conversion, this side-by-side comparison will help you make the right call.
What You Should Know
Apple Pay
No extra fees, but incurs standard card rates (1.5–2.0% + 25p)
Pay-by-Bank (Wallid)
0.7% + 25p flat, instant/same-day payouts, no chargebacks
Payout Speed
Pay-by-Bank is instant
Apple Pay takes 3–5 business days
Security
Pay-by-Bank uses biometric bank authentication
Apple Pay still allows chargebacks
Apple Pay: Built-In & Familiar
Available automatically with Shopify Payments
Seamless checkout for iOS users
No added cost for merchants
Still uses card networks (Visa/Mastercard)
Biometric verification via Apple Wallet (Touch ID / Face ID)
Apple Pay Shopify Fee Table
How much does Apple Pay cost per plan?
Shopify Plan; Apple Pay Fee (via Shopify Payments); Extra Fee for Apple Pay?
Pay-by-Bank (Wallid): Instant or same-day direct to bank account
Chargebacks & Fraud Risk
Apple Pay: Still card-based → chargeback risk remains
Pay-by-Bank (Wallid): No chargebacks. Biometric + bank-authenticated
Security & Identity
Apple Pay: Face ID / Touch ID (card still involved)
Pay-by-Bank (Wallid): Verified via your banking app with full biometric approval — no stored card data, no passwords
Conclusion
Pay-by-Bank
Use Pay-by-Bank to lower fees, eliminate chargebacks, and get paid faster.
Apple Pay
Use Apple Pay to give iOS users a fast and secure checkout with no added cost.
Together, they make your Shopify checkout leaner, safer, and better for your bottom line. Remember, depending on your integration and plan Shopify may apply third party payment fees.
I wasn’t sure what to expect, but WallidPay has been rock solid from day one. Real-time payments, no hidden fees, and a clean dashboard. I’m impressed with how polished everything is.
Most of my customers are UK-based, and WallidPay supports all major banks. It’s made the checkout process faster and improved my conversion rate. Plus, I’m paying way less in fees compared to Stripe.
WallidPay’s direct-from-bank payments feel way more secure than entering card info online. No more worrying about fraud or chargebacks. It's the future of online payments, especially in the UK.
I had a few questions while integrating WallidPay, and their live chat support guided me through everything. Very professional and friendly. The platform is reliable, and I’ve had zero payment issues so far.
I used WallidPay as a customer for the first time last week — no card details needed, just my banking app. It felt safe and took less than 10 seconds. I hope more shops start using it.
I set up WallidPay with my store in under an hour. It syncs perfectly with Shopify, and payments hit my account immediately. Their support team is responsive and super helpful. Couldn’t ask for more.
WallidPay has saved my business a ton on processing fees. Direct bank payments are quick and secure, and my customers love not needing to enter card info. Highly recommended for small business owners looking to cut costs without compromising on quality.
WallidPay gives both us and our customers real peace of mind. Transactions feel safer, and we know every order has been verified properly. It’s one of those tools that works silently but plays a critical role in daily operations. Highly recommended to anyone serious about eCommerce.
We needed something lightweight but effective for verification, and WallidPay delivered. It’s well-built, intuitive, and doesn’t bloat our checkout. It’s nice to finally find a security tool that isn’t overcomplicated. Great job to the developers.
We added WallidPay and noticed a change in buyer behavior almost immediately. Customers were more likely to complete orders, and fraud issues dropped. It's clear that the presence of smart verification reassures people. One of the best plugins we’ve used.
WallidPay is one of those apps that you don’t realize you need until you try it. It protects our store, gives customers peace of mind, and doesn’t interrupt the buying experience. It checks all the boxes—and then some.
Before WallidPay, our checkout felt incomplete. This app made a huge difference by adding structure and verification. It just feels more legitimate and polished now. And because it's automated, I don’t have to babysit orders anymore.
Considering how important customer trust is, WallidPay is an absolute bargain. It brings enterprise-level verification and security to small stores like mine. I was nervous about setting it up, but it turned out to be super simple. The value it provides is huge.
The addition of WallidPay instantly made our store feel more professional. The clean design and seamless integration make it look like a native feature rather than a third-party app. Our checkout page feels more secure and modern now. It’s a small touch, but it makes a big difference when you’re trying to build customer trust.
WallidPay was set up in under 10 minutes and has been running perfectly ever since. I really appreciate how easy it was to get started—no tutorials, no long documents, just straight to the point. It's helped build trust with our customers, and we’ve seen fewer chargebacks since. It’s clear that this app was made by people who understand the needs of eCommerce stores.
FAQ Apple Pay vs Pay -by-Bank on Shopify
No—Apple Pay is included in Shopify Payments, but standard card processing fees apply.
It uses open banking APIs and biometric login with no chargebacks.
Yes. Merchants can enable both for flexible checkout.
Wallid’s Pay-by-Bank app integrates directly with Shopify checkout, enabling instant bank payments, significantly lower transaction fees, and zero chargebacks.
Wallid’s Pay-by-Bank Express Checkout delivers a fast, frictionless experience by connecting directly to customers’ bank accounts — increasing conversion rates while lowering fees