How to buy Bitcoin (BTC) with Apple Pay from the USA

By   |   Verified by Andrew Boyd   |   Updated Oct. 18, 2023

Most of the top crypto exchanges support deposits made via Apple Pay, giving you a convenient and secure way to buy Bitcoin.

For more about how it works and exchanges that support Apple Pay deposits, scroll down for our comprehensive guide.

Unsure about what exchange to use?

Where to buy Bitcoin with Apple Pay

Coinmama

On website

Coinmama

Highlights

  • Buy Bitcoin and Ethereum with a credit card, debit card, Apple Pay, or bank transfer.
  • Place your order and get your coins instantly.
  • Fast-track verification with excellent customer service.

Pros

  • Start with as little as $50.
  • Accepts multiple types of payment options.
  • High spending limits.

Cons

  • Fees are higher compared to other providers.
  • Limited cryptocurrency selection.
Coinbase

On website

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Coinbase

Highlights

  • Get $5 in Bitcoin after your first trade on Coinbase.
  • Buy and sell popular digital currencies, keep track of them in the one place.
  • Invest in cryptocurrency slowly over time by scheduling buys daily, weekly, or monthly.
  • Maintains crypto-insurance and all USD cash balances are covered by FDIC insurance, up to a maximum of $250,000.

Pros

  • Get access to a wide variety of altcoins.
  • Start trading with as little as $2.
  • Offers Coinbase card which allows you to spend crypto anywhere.

Cons

  • Fees are higher compared to other exchanges.
Kraken

On website

Kraken

Highlights

  • Get started with as little as $10.
  • Sign up today and buy 50+ cryptocurrencies in minutes.
  • Make easy deposits and withdrawals, measure your portfolio's performance and keep track of all of your crypto in one convenient place.

Pros

  • Large selection of tokens to trade.
  • Earn rewards by staking eligible assets.
  • Access to a range of educational materials.

Cons

  • Limited options to fund your account.

First time buying?

How to buy Bitcoin with Apple Pay

Step 1: Find a crypto exchange that supports Apple Pay

First, you have to sign up with an exchange that accepts deposits made via Apple Pay. Here at Finty, you can quickly compare exchanges that have been vetted for their Apple Pay support.

Before deciding which exchange to use, there are various other things to compare apart from their support for Apple Pay deposits. Things like trading fees, tradable tokens, and fees to deposit and withdraw fiat should be considered.

Step 2: Complete the identity verification process

Once you have opened an account with an exchange, you’ll need to confirm your identity. You will have to provide proof of identification, such as a driver’s license or passport. The exchange may ask for an image of yourself holding the physical ID.

Step: Decide how much to invest

With its bull runs and bear markets, investing in Bitcoin can be a risky venture. Invest only what you can realistically afford.

Step 4: Transfer funds to your account

To fund your account using Apple Pay, sign in to your exchange account on a device that supports Apple Pay and then select your chosen payment method for depositing funds.

Remember that although an exchange may support Apple Pay, the card funds are drawn from must allow crypto purchases. For example, you could have a Discover card linked to Apple Pay. Even though the exchange accepts Apple Pay, Discover will block the transaction. Using an exchange that accepts PayPal deposits could be a workaround for this problem.

Step 5: Place an order

Configuring an order — especially an instant buy — is very easy on most exchanges. You may be able to configure a recurring buy or trigger order to execute when market conditions permit.

Step 6: Buy

After selecting the type of order you want to place, fill out and submit the order form to buy Bitcoin. Most exchanges will not allow you to submit an order without enough funds in your account.

Still not sure?

Pros and cons

Pros

  • More secure. Apple Pay has industry-leading security, obfuscating the details of the card used. If the exchange’s security was breached, hackers would not get your actual card number.
  • Better for privacy. Apple Pay obfuscates your real card details, making it more difficult for data brokers to profile you.
  • No extra fees. There are no surcharges to use Apple Pay.
  • Convenient. Apple Pay allows you to make transactions very quickly.

Cons

  • Lack of support at crypto exchanges. Apple Pay doesn’t work with every exchange, although support is improving.

Extra help

FAQs

How long does it take for funds to transfer using Apple Pay?

Funds should show up in your exchange account immediately — or within a few minutes — when you use Apple Pay.

Can I buy Bitcoin with Apple Pay anonymously?

You can buy Bitcoin anonymously with a peer-to-peer exchange, such as Paxful, that supports Apple Pay deposits.

Can I buy other cryptocurrencies with Apple Pay?

Yes, you can buy other cryptocurrencies with Apple Pay. Once you have funded your account, choose whatever cryptocurrency it is you want to buy instead of Bitcoin on the order form and proceed as usual.