移动支付应用程序(payment apps)如今越来越流行，因为它们比在钱包中携带实物现金和卡更易于使用且更安全。(cash and cards)
一旦您将所有奖励卡、优惠券、信用卡和借记卡(credit and debit cards)存储在应用程序中，购物就是一个简单的触碰付款过程(tap and pay process)，因此您不必每次都掏钱包。
两个最著名的应用程序是Apple Wallet 和 Google Pay(Apple Wallet and Google Pay)（以前称为Android Pay），它们都适用于较新的智能手机。它们的功能几乎相同，尽管它们的优点和缺点略有不同。但是您应该使用哪个支付应用程序？(Pay app)
我们将并排查看这两个移动钱包，以了解它们的工作原理，以及哪一个最适合您。
苹果钱包
Apple Wallet为iPhone、iPad、Mac或Apple Watch的用户提供易于使用、私密且安全的电子支付服务(payment service)。将信用卡、借记卡或预付卡(debit or prepaid cards)添加到首选 iOS 设备上的应用程序后，即可立即开始使用。
由于PayPass 技术(PayPass technology)，该应用程序具有零售兼容性，因此您可以存储会员卡，甚至在使用时累积会员积分、奖励和福利。
在店内，您只需快速按下手表上的侧边按钮或存储的指纹，即可在具有兼容(side button)POS系统或结帐读卡器的商家处付款。这样您就不必在卡上输入安全码(security code)或验证其到期日期(expiration date)，因为您的所有信息都在您的设备上。
当您进行购买时，每笔交易都需要使用您的密码、面容 ID 或触控 ID(Face ID or Touch ID)对所有 iOS 设备进行身份验证，Apple Watch 除外，Apple Watch受其唯一密码保护。交易信息(transaction information isn)不会存储在任何地方，但您的收据会保存在应用程序中。此外，如果您的设备被盗或丢失，您可以永久暂停或取消支付功能。
您还可以通过“信息”使用(Messages)Apple Pay进行汇款或收款，或者您可以让Siri使用存储在应用程序中的借记卡或信用卡(debit or credit cards)向某人付款。如果您想立即使用收到的任何款项，您可以在Wallet的(Wallet)Apple Pay Cash 卡(Apple Pay Cash card)中找到它。您还可以将资金从Apple Pay Cash 卡转入您的(Apple Pay Cash card)银行账户(bank account)。
钱包在不同的地方( different places)被接受，包括BabiesRUs、肯德基(KFC)、星巴克(Starbucks)、PetSmart、JetBlue、Champs、Ace Hardware、公共交通(mass transit)系统，以及Chipotle、Lyft、Jet、Etsy、Staples和Ticketmaster等应用程序和网站(apps and sites)。
如果您喜欢捐赠给慈善机构，您可以使用该应用程序向美国红十字会(American Red Cross)、联合国儿童基金会(Unicef)、Feeding America 等(Feeding America and others)机构捐款。
谷歌支付
Google Pay或非正式的GPay是Google的一款移动钱包，它将其消费者支付(consumer payment)产品——Google Wallet 和 Android(Google Wallet and Android Pay –) Pay——合并为一个单一的统一服务。这使用户可以更轻松地添加他们的大部分卡，例如忠诚度卡、礼品卡、信用卡和借记卡(credit and debit cards)，以便更轻松地付款和更快地结帐，让您高枕无忧。
如果您有兼容的设备，您会在店内(Pay in-store)、在线支付或汇款时以及跨Google产品看到Google Pay。(Google)
该应用程序在店内使用近距离NFC 技术(NFC technology)在商家的读卡器(card reader)和您的手机之间传递您的信用卡信息。(credit card information)只需在手机对(Simply)读卡器(card reader)打开时握住手机，即可轻松完成交易。
如果您已将会员卡或礼品卡(loyalty or gift cards)、信用卡和借记卡(credit and debit cards)存储到您的Google 电子钱包或 Android Pay 应用程序(Google Wallet or Android Pay apps)中，您可以照常使用它们，而无需将它们重新添加到Google Pay中。您甚至无需添加其他应用程序即可使用它。它所做的只是自动更新您的设备以反映应用程序中的名称。
对于大多数移动支付应用程序(payment apps)的用户来说，由于应用程序中共享的财务信息的性质，安全始终是最关心的问题。Google Pay使用虚拟帐号(account number)来管理此操作，该帐号可确保您的个人信息在手机上的安全，而不是使用您的实际信用卡号(credit card number)和其他敏感详细信息。
进行购买时，Google会向您发送一个安全码(security code)以验证交易。与Apple Wallet不同，GPay不需要指纹验证(fingerprint authentication)，除非您想解锁屏幕，但可以使用PIN、密码或图案。如果您的手机丢失或被盗，您可以将其锁定并创建一个新密码，或完全擦除手机上的所有信息，直至找回。
但是，如果您只想向家人和朋友(family and friends)汇款，则可以尝试专门用于点对点交易的Google Pay Send 。
Google Pay与多家电子商务公司的Android 应用程序(Android apps)合作，包括Best Buy、Airbnb、McDonald's、Chevron、Walgreens、Whole Foods、Houzz、Kayak、Instacart等。名单(The list)正在增长。
哪个最好 - (Best –) Apple Wallet 或 Google Pay(Apple Wallet Or Google Pay)？
在Apple Wallet(Apple Wallet)和Google Pay之间进行选择不应该是一个令人费解的决定。您可能已经根据应用程序的名称怀疑，Apple Wallet适用于 iPhone，而Google Pay适用于Android手机。
这两款付费应用程序都为您提供了通过普通手机解锁方法验证付款的选项。对于Apple Wallet，您可以使用密码、指纹、Face ID 或 Touch ID(Face ID or Touch ID)，而Google Pay则在您的手机使用密码、图案、PIN 或指纹(PIN or fingerprint)解锁时工作。
Apple Pay(Apple Pay apart)的不同之处在于它支持通过Safari浏览器进行在线购买，而Google Pay与其他Google服务集成，因此您可以在Gmail、Android Messages、Google Home和其他服务中进行交易。但是，如果您拥有三星设备(Samsung device)，则可以选择使用Samsung Pay 或 Google Pay(Samsung Pay or Google Pay)，其中一个需要设置为您的默认支付应用程序(Pay app)。
因此，您的选择将完全取决于您拥有的设备，在这种情况下，您可以使用支付选项(Pay option)来增加便利。
Apple Wallet Versus Google Pay – Which Is Best?
Mobile payment apps are increasingly popular today because they’re simpler to use and more secure than carrying physical cash and cards around in a wallet.
Once you store all your reward cards, coupons, credit and debit cards in the app, making purchases is a simple tap and pay process, so you don’t have to dig for your wallet every time.
Two of the most well-known apps are Apple Wallet and Google Pay (formerly Android Pay), both of which work with newer smartphones. They serve virtually the same function, though they differ slightly in their strengths and weaknesses. But which Pay app should you use?
We’re going to look at the two mobile wallets side by side to find out how they work, and which one is best for you.
Apple Wallet
Apple Wallet offers an easy to use, private and secure electronic payment service to users of iPhone, iPad, Mac or Apple Watch. Once you add your credit, debit or prepaid cards to the app on your preferred iOS device, you can start using it immediately.
The app has retail compatibility thanks to the PayPass technology, so you can store loyalty cards and even accrue loyalty points, rewards and benefits as you use it.
In-store, you can pay for purchases at merchants with compatible POS systems or checkout card readers with just a quick press of the side button on your watch or your stored fingerprint. This way you don’t have to enter the security code on your card or verify its expiration date because all your information is on your device.
When you make purchases, each transaction requires authentication with your passcode, Face ID or Touch ID for all iOS devices except the Apple Watch, which is protected by its unique passcode. The transaction information isn’t stored anywhere, but your receipts are kept in the app. Plus, if your device is stolen or lost, you can suspend or remove the ability to pay from it permanently.
You can also send or receive money using Apple Pay through Messages, or you can ask Siri to pay someone from your debit or credit cards stored in the app. If you want to use any money you receive right away, you’ll find it in the Apple Pay Cash card in Wallet. You can also move money to your bank account from the Apple Pay Cash card.
Wallet is accepted in different places including BabiesRUs, KFC, Starbucks, PetSmart, JetBlue, Champs, Ace Hardware, mass transit systems, and with apps and sites like Chipotle, Lyft, Jet, Etsy, Staples, and Ticketmaster.
If you like to give to charity, you can use the app to donate to American Red Cross, Unicef, Feeding America and others.
Google Pay
Google Pay or, informally, GPay, is a mobile wallet from Google, which merged its consumer payment products – Google Wallet and Android Pay – into a single, unified service. This makes it easier for users to add most of their cards like loyalty, gift, credit and debit cards for easier payments and faster checkout with peace of mind.
If you have a compatible device, you’ll see Google Pay in-store, when paying or sending money, online and across Google products.
The app uses near NFC technology in-store to relay your credit card information between the merchant’s card reader and your mobile phone. Simply hold your phone while it’s open to the card reader, and the transaction should go through easily.
If you had stored loyalty or gift cards, credit and debit cards to your Google Wallet or Android Pay apps, you can use them as usual without having to re-add them to Google Pay. You won’t even need to add another app to use it. All it does is update your device automatically to reflect the name in the app.
For most users of mobile payment apps, security is always a top concern owing to the nature of the financial information shared in the app. Google Pay manages this using a virtual account number that keeps your personal information safe and secure on your phone, instead of using your actual credit card number and other sensitive details.
When making purchases, Google sends you a security code to verify the transaction. Unlike Apple Wallet, GPay doesn’t require fingerprint authentication unless you want to unlock the screen, but works with a PIN, password, or pattern. If you lose your phone or it gets stolen, you can lock it and create a new password, or wipe all the information on it completely until you recover it.
If all you want is to send money to family and friends, though, you can try Google Pay Send, which is specifically for peer-to-peer transactions.
Google Pay works with several ecommerce companies’ Android apps including Best Buy, Airbnb, McDonald’s, Chevron, Walgreens, Whole Foods, Houzz, Kayak, Instacart, among several other locations. The list is growing.
Which Is Best – Apple Wallet Or Google Pay?
Picking between Apple Wallet and Google Pay shouldn’t be a hand-wringing decision. As you may already suspect based on the apps’ names, Apple Wallet works with iPhones while Google Pay is made for Android phones.
Both pay apps give you options to authenticate payments from your normal phone unlocking methods. For Apple Wallet, you can use a passcode, fingerprint, Face ID or Touch ID, while Google Pay works when your phone is unlocked with a password, pattern, PIN or fingerprint.
What sets Apple Pay apart is that it supports online purchases through the Safari browser, while Google Pay integrates with other Google services so you can transact in Gmail, Android Messages, Google Home, and other services. If you own a Samsung device, though, you’ll have the option of using Samsung Pay or Google Pay, one of which needs to be set as your default Pay app.
Your choice therefore, will depend entirely on the device you own, in which case you can use the Pay option as an added convenience.
