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Comparisons

Apple Pay Express Checkout vs Wallid Express Checkout on Shopify

Apple Pay is fast — but Wallid’s Express Checkout gives you faster onboarding for first-time buyers, real-time identity verification, and lower transaction costs.
Looking to improve conversion at checkout on your Shopify store? This guide compares Apple Pay Express Checkout with Wallid’s new Express Checkout powered by Pay-by-Bank. We look at real differences in speed, cost, onboarding UX, and third-party fees.

Apple Pay Express Checkout:
Fast, But Apple-Only

  • Native on iOS (Face ID / Touch ID)

  • Card-based (card rails, interchange fees)

  • Secure & familiar for Apple users

  • Only works for returning Apple Wallet users

  • Included with Shopify Payments (no extra fees)

  • Requires Apple account and preloaded billing info

Apple Pay Express Checkout:
Fast, But Apple-Only

  • Native on iOS (Face ID / Touch ID)

  • Secure & familiar for Apple users

  • Included with Shopify Payments (no extra fees)

  • Card-based (card rails, interchange fees)

  • Only works for returning Apple Wallet users

  • Requires Apple account and preloaded billing info

Wallid Express Checkout:
Fast, Bank-Based & Built for New Users

  • Works for first-time buyers with no stored info

  • Prefills name, surname, and address from bank info

  • Performs real-time age verification

  • Secure Pay-by-Bank payment embedded in checkout

  • No redirects, no logins, no stored cards

  • No third-party Shopify payment gateway fees

  • Works on desktop and mobile (no device lock-in)

Checkout UX:
Returning vs First-Time Shoppers
  • Apple Pay
    • Great for repeat Apple customers
    • Requires Apple device + Wallet setup
    • No auto-prefill if using another device
  • Wallid Express Checkout
    • Optimized for first-time buyers
    • Prefills all fields automatically via bank data
    • Verifies age & identity instantly
    • Works cross-device and platform

Security & Trust

  • Apple Pay

    Secure biometrics + tokenized cards

  • Wallid

    Bank-authenticated login + biometric + no stored cards or passwords

Shopify Plan Fee Comparison

Example: £100 Order Breakdown

Calculation Logic
  • Apple Pay (Basic): £100×2.0% + £0.25 = £2.25
  • Wallid: £100×0.7% + £0.25 = £0.95 (same across all plans)

Wallid Express Checkout reduces your fee by up to £1.30 per order — adding up quickly at scale.

Payouts & Costs

  • Apple Pay

    Subject to Shopify Payments timing (1–3 days)

  • Wallid Pay-by-Bank

    Instant or same-day bank settlement

Conclusion

Apple Pay offers great speed for Apple users, but doesn’t help first-time shoppers or lower your transaction costs.

Wallid Express Checkout is designed for maximum conversion — especially for first-time buyers — and brings lower fees, auto-filled checkout, and verified identity in one seamless flow.
FAQ: Apple Pay vs Wallid Express Checkout

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