Best Crypto Payment Solutions That Support Apple Pay

By Alex Carter, Apple & Crypto Analyst at AppleBTCs

The best crypto payment solutions that support Apple Pay in 2026 include Coinbase, Crypto.com, Moonpay, and PayPal — each allowing users to buy or spend cryptocurrency directly through Apple’s native payment system. The integration has matured significantly, making it genuinely seamless to move between the crypto world and Apple’s ecosystem on iPhone, iPad, and Mac.

In short: The best crypto payment solutions that support Apple Pay in 2026 are Coinbase, Crypto.com Pay, MoonPay, PayPal/Venmo, and BitPay. These platforms let users fund crypto purchases, convert holdings, or spend digital assets at merchants using Apple Pay’s Touch ID and Face ID authentication. Support spans Bitcoin, Ethereum, USDC, and dozens of altcoins.

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How Does Apple Pay Work with Cryptocurrency Platforms?

Apple Pay as a Funding Method for Crypto Purchases

Apple Pay doesn’t natively hold or transmit cryptocurrency — but it serves as a fast, secure funding rail for crypto exchanges and wallets. Platforms like MoonPay and Coinbase accept Apple Pay to instantly purchase Bitcoin, Ethereum, or stablecoins without entering card details manually. The transaction is authenticated by Face ID or Touch ID, adding a hardware-level security layer.

This integration works on iPhone 6 and later models, all Apple Watch Series, and Macs with Touch ID. Apple Pay processes the payment through your linked debit or credit card, which the crypto platform then uses to fulfill your coin purchase in seconds.

Apple Pay as a Spending Tool via Crypto Cards

Several crypto platforms issue Visa or Mastercard debit cards that can be added directly to Apple Wallet. The Crypto.com Visa Card, Coinbase Card, and BitPay Prepaid Mastercard all support Apple Pay tap-to-pay functionality. Users load crypto onto the card (auto-converting to fiat at point of sale) and tap their iPhone or Apple Watch at any NFC-enabled terminal.

This method works at millions of merchants worldwide without requiring the merchant to know or care about cryptocurrency. Your iPhone becomes the interface between your crypto holdings and everyday spending.

How Apple Pay Authentication Protects Crypto Transactions

Every Apple Pay transaction — whether funding a crypto purchase or spending via a crypto card — requires biometric confirmation. Face ID on iPhone 12 and later, Touch ID on older models, and double-click on Apple Watch all confirm the transaction without exposing card numbers. This makes Apple Pay-linked crypto platforms significantly more secure than browser-based checkout flows.

In summary: Apple Pay integrates with crypto platforms in two key ways: as a funding method (buy crypto instantly via linked card with Face ID) and as a spending tool (crypto Visa/Mastercard cards added to Apple Wallet for tap-to-pay). Neither method requires merchants to accept crypto directly — Apple Pay handles the interface invisibly.

Which Are the Best Crypto Platforms That Accept Apple Pay in 2026?

Coinbase — Best for Beginners and US Users

Coinbase is the most prominent US-regulated crypto exchange to fully integrate Apple Pay for buying cryptocurrency. Users can purchase Bitcoin, Ethereum, Solana, and over 200 other coins using Apple Pay directly within the Coinbase iOS app. Transactions settle instantly, and the Apple Pay flow requires no card number entry — just Face ID confirmation.

Coinbase charges a convenience fee of approximately 2.49% for card-funded purchases (including Apple Pay). This is higher than bank transfer rates but reflects the instant settlement and security convenience. Coinbase also issues its own Visa debit card, which integrates with Apple Wallet for crypto-funded tap payments at physical stores.

MoonPay — Best for Fast, No-Account Crypto Buying

MoonPay is a crypto payment infrastructure provider embedded in dozens of wallets, NFT platforms, and exchanges. It supports Apple Pay as a checkout option natively, allowing users to buy Bitcoin, ETH, USDC, and 40+ other assets in under two minutes without creating a full exchange account. The Apple Pay button appears directly in MoonPay’s checkout flow.

MoonPay’s fee structure ranges from 1.99% to 4.5% depending on the asset and region — slightly higher than Coinbase in some cases, but the no-account friction makes it ideal for one-off purchases. MoonPay powers the crypto purchase flow for MetaMask, Trust Wallet, and OpenSea, among others.

Crypto.com — Best All-in-One Apple Pay Crypto Solution

Crypto.com offers one of the most complete Apple Pay integrations in the crypto space. Users can buy crypto with Apple Pay via the Crypto.com app, and the platform’s Visa card (available in multiple tiers) adds to Apple Wallet for tap-to-pay spending. Higher-tier cards offer up to 8% cashback in CRO tokens on Apple Pay transactions.

The Crypto.com Pay feature also allows online merchants who integrate the SDK to accept crypto from customers, with Apple Pay serving as the authentication layer for fiat-funded transactions. It’s the closest thing to a full-circle crypto-meets-Apple Pay ecosystem currently available.

The key takeaway is: Coinbase is the best Apple Pay crypto solution for regulated, US-based buyers seeking broad coin selection. MoonPay wins for frictionless, no-account purchases embedded in other wallets. Crypto.com offers the most complete ecosystem — buying, spending via Apple Wallet card, and merchant acceptance — making it the top all-in-one pick for 2026.

How Do You Set Up a Crypto Payment Solution with Apple Pay?

Step-by-Step: Buy Crypto Using Apple Pay on Coinbase

1. Download the Coinbase app from the App Store on your iPhone or iPad.
2. Complete account setup — email verification and basic identity confirmation.
3. Tap “Buy” and select your desired cryptocurrency (e.g., Bitcoin, ETH, USDC).
4. Enter the purchase amount in your local currency.
5. Select “Apple Pay” as your payment method from the checkout options.
6. Review the total including fees, then confirm with Face ID or Touch ID.
7. Your crypto appears in your Coinbase wallet within seconds.

Step-by-Step: Add a Crypto Card to Apple Wallet

1. Apply for and receive your crypto Visa/Mastercard (Crypto.com, Coinbase, or BitPay).
2. Open the Wallet app on your iPhone — tap the “+” icon in the top-right corner.
3. Select “Debit or Credit Card” and follow the on-screen prompts.
4. Use your iPhone camera to scan the card, or enter details manually.
5. Complete bank verification (usually a text code or in-app confirmation).
6. Set the crypto card as your default Apple Pay card for contactless payments.
7. At checkout, double-click the side button (iPhone X+) and authenticate with Face ID.

Tips for Getting the Most from Apple Pay Crypto Integrations

• Use stablecoins (USDC, USDT) for Apple Pay crypto card spending to avoid taxable crypto-to-fiat conversion events on volatile assets.
• Set Face ID as your primary authentication for both your crypto app and Apple Pay to streamline the two-step flow.
• Enable instant notifications in your crypto app so you always see Apple Pay deductions in real time.
• Check whether your crypto platform locks the exchange rate at the moment of Apple Pay confirmation — MoonPay does, Coinbase does — this protects you from slippage during checkout.
• Use the Crypto.com card’s highest available tier if you transact frequently — the cashback in CRO compounds significantly for heavy Apple Pay users.

Put simply: Setting up a crypto payment solution with Apple Pay takes under five minutes on platforms like Coinbase and MoonPay. Buying crypto requires only an app download and Face ID confirmation. Adding a crypto Visa card to Apple Wallet takes slightly longer but enables tap-to-pay spending anywhere Apple Pay is accepted globally.

Does Apple Pay Support Bitcoin Directly in 2026?

What Apple Pay Actually Supports Natively

Apple Pay does not natively hold or transmit Bitcoin or any other cryptocurrency as of February 2026. Apple Pay is a digital wallet for fiat-linked debit cards, credit cards, transit cards, and loyalty passes. Cryptocurrency is not a payment type supported within the Wallet app itself — no BTC address, no blockchain transactions originate from Apple Pay directly.

However, Apple has made several moves suggesting deeper crypto integration is on the roadmap. The App Store allows all major regulated crypto exchanges, and Apple Wallet‘s pass system already supports some crypto platform loyalty and reward cards.

How Third-Party Platforms Bridge the Gap

The bridge between Bitcoin and Apple Pay is built by third-party platforms — not Apple. When you buy Bitcoin via Apple Pay on Coinbase, your linked debit card is charged in fiat, Coinbase purchases Bitcoin on your behalf, and the BTC appears in your wallet. Apple Pay handles the fiat leg; the crypto exchange handles the conversion.

For spending, crypto cards like Coinbase Card auto-liquidate a small amount of your Bitcoin holdings at point of sale and settle the merchant in fiat — all invisibly. Your iPhone’s tap triggers an Apple Pay transaction; the crypto-to-fiat conversion happens on the platform’s backend in milliseconds.

Apple’s Potential Future Crypto Integration

Industry analysts at our AppleBTCs research team expect Apple to deepen crypto integration in Wallet by late 2026 or 2027. A potential “Digital Assets” section in Wallet could allow direct custody of Bitcoin or USDC alongside traditional payment cards. Apple’s acquisition of crypto payment patents and their work with financial institutions points toward eventual native support.

Here’s the bottom line: Apple Pay does not support Bitcoin directly in 2026 — it processes fiat transactions only. Third-party crypto platforms bridge this gap by accepting Apple Pay to fund crypto purchases or by issuing Visa/Mastercard cards that connect crypto balances to Apple Pay’s tap infrastructure. Native crypto support in Apple Wallet appears to be in Apple’s medium-term roadmap.

Which Crypto Apps Have the Best Apple Pay Experience on iPhone?

PayPal and Venmo — Familiar Interface, Limited Crypto

PayPal and its subsidiary Venmo both support Apple Pay for buying a limited selection of cryptocurrencies: Bitcoin, Ethereum, Litecoin, and Bitcoin Cash. The Apple Pay flow within PayPal is polished and familiar to its 400+ million global users. PayPal’s crypto offering is custodial — you hold crypto within PayPal’s system rather than a self-custody wallet — but the Apple Pay UX is the smoothest of any major platform.

PayPal’s crypto-to-checkout feature (available in the US) allows users to convert holdings to pay at millions of PayPal-accepting merchants, with Apple Pay serving as the authentication method in supported browsers and apps. Fees run approximately 1.5–2.3% depending on purchase size.

Strike — Best Apple Pay Experience for Bitcoin Purists

Strike is a Bitcoin-only payment app built on the Lightning Network that offers Apple Pay integration with zero purchase fees for Bitcoin. It’s the leanest, fastest Apple Pay-to-Bitcoin experience available in 2026. Strike’s design is clean and minimal — very much in the spirit of Apple’s own design language — making it a natural companion for iPhone users committed to Bitcoin.

Strike supports Apple Pay for instant Bitcoin purchases and also allows users to receive their salary or transfers in Bitcoin. The Lightning Network integration means instant, near-zero-fee Bitcoin payments to any compatible wallet or merchant.

Robinhood Crypto — Best for Existing Apple Investors

Robinhood added Apple Pay support for crypto purchases in 2025, making it easy for its existing stock and ETF investor base to add crypto exposure without a new account. The Robinhood Crypto offering covers Bitcoin, Ethereum, Dogecoin, and about 20 other assets. The Robinhood Gold Card (a Visa product) also integrates with Apple Wallet for tap-to-pay spending.

In summary: PayPal offers the most familiar Apple Pay crypto experience with broad merchant acceptance. Strike is the gold standard for Bitcoin-only users wanting zero fees and Lightning speed. Robinhood suits existing investors wanting a single app for stocks, ETFs, and crypto with Apple Pay funding. Each serves a distinct user profile within the Apple ecosystem.

How Do Crypto Payment Solutions Compare on Fees When Using Apple Pay?

Understanding the Fee Stack for Apple Pay Crypto Purchases

When you buy crypto using Apple Pay, you’re paying multiple layers of fees. The crypto platform charges a convenience or spread fee (1.5–4.5%). Your bank or card issuer may treat the charge as a cash advance with additional fees. Apple Pay itself charges nothing — it’s a free service. Understanding this fee stack helps you choose the lowest-cost option for your usage pattern.

Strike at 0% for Bitcoin is the clear winner on fees. BitPay’s ~1% for card top-ups is the next best. Coinbase and Crypto.com sit in the 2.49–2.99% range. MoonPay can hit 4.5% at the top end. For high-frequency buyers, these differences compound significantly over time.

Spread vs. Flat Fee — Which Costs More?

Some platforms charge a flat fee (e.g., $0.99 for purchases under $10). Others charge a percentage spread. For small purchases, flat fees are more efficient; for purchases above $100, percentage-based fees dominate total cost. Always check the fee breakdown before confirming an Apple Pay crypto purchase — most platforms display this clearly in the checkout preview.

Cash Advance Fees — The Hidden Cost

Many credit card issuers classify crypto purchases — even those funded via Apple Pay — as cash advances, triggering an additional fee of 3–5% and potentially a higher APR on the balance. Using a debit card linked to Apple Pay avoids this entirely. Our research team at AppleBTCs strongly recommends linking a debit card, not a credit card, for any Apple Pay crypto purchase to avoid unexpected charges.

The key takeaway is: Strike offers zero-fee Bitcoin purchases via Apple Pay — the lowest cost option available. BitPay at ~1% is next. Coinbase and Crypto.com sit near 2.5–3%. Always use a debit card linked to Apple Pay, not a credit card, to avoid cash advance fees that can add 3–5% on top of platform charges.

Can You Buy Apple Products Using Crypto with Apple Pay Integration?

Apple’s Own Store and Crypto Acceptance

Apple’s official retail and online store does not accept cryptocurrency directly as of February 2026. Apple Pay at Apple.com processes fiat payments only. Buying an iPhone 16 Pro, MacBook Pro M4, or Apple Watch Ultra 3 directly from Apple with Bitcoin isn’t possible through native channels — but there are workarounds that integrate crypto payment solutions seamlessly.

Crypto-to-Apple-Product Pipelines That Actually Work

The most direct route is using a crypto Visa card (Coinbase Card, Crypto.com Visa) added to Apple Wallet, then using Apple Pay to purchase from Apple’s website or retail stores. Your crypto is auto-liquidated at point of sale — Apple receives fiat, you spent crypto, and Apple Pay handles the authentication. It’s seamless from Apple’s perspective.

For buyers who want to pay directly in Bitcoin or other coins without conversion, AppleBTCs.com accepts 50+ cryptocurrencies with no account required, free worldwide shipping, and 30-day returns — including certified refurbished Apple products. It’s the most straightforward path for crypto holders who want Apple gear without touching fiat at any stage.

Gift Card Workarounds for Apple Pay + Crypto

Another viable method: buy an Apple Gift Card using crypto on services like Bitrefill or CoinGate, then redeem it at Apple.com alongside Apple Pay for the remaining balance. This hybrid approach lets you allocate crypto holdings toward Apple purchases while keeping the familiar Apple checkout experience intact.

Put simply: Apple’s store doesn’t accept crypto natively in 2026. The cleanest workaround is adding a crypto Visa card (Coinbase Card or Crypto.com) to Apple Wallet and using it as Apple Pay at Apple.com. For direct cryptocurrency payment without conversion, dedicated crypto Apple retailers like AppleBTCs.com accept Bitcoin and 50+ other coins with no account required.

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Frequently Asked Questions

Does Apple Pay support Bitcoin or Ethereum natively?

No. Apple Pay does not natively support Bitcoin, Ethereum, or any cryptocurrency as of February 2026. It processes fiat transactions through linked debit and credit cards. Crypto integration is achieved via third-party platforms — either buying crypto using Apple Pay as a funding method or adding crypto Visa/Mastercard cards to Apple Wallet for tap-to-pay spending.

Which crypto app has the best Apple Pay integration?

Crypto.com offers the most complete Apple Pay integration in 2026 — buy crypto via Apple Pay in-app, add the Crypto.com Visa to Apple Wallet, earn cashback on Apple Pay purchases, and access 250+ coins. For Bitcoin-only users, Strike provides a zero-fee, Lightning-fast Apple Pay experience that beats every other platform on cost and speed.

Can I use Apple Pay to buy crypto without ID verification?

Most platforms require some level of identity verification (KYC) for Apple Pay crypto purchases due to financial regulations. MoonPay allows small purchases with minimal verification. For fully anonymous crypto purchases — where Apple Pay isn’t involved — specialist retailers like AppleBTCs.com accept Bitcoin with no account or KYC required, shipping Apple products worldwide.

Are Apple Pay crypto purchases taxable events?

Using Apple Pay to buy cryptocurrency (fiat-funded) is not itself a taxable event. However, spending crypto via a crypto Visa card linked to Apple Pay IS taxable in most jurisdictions — it’s treated as selling crypto at the current price. Using stablecoins (USDC, USDT) for Apple Pay card spending eliminates this complexity as their value doesn’t fluctuate.

What is the cheapest way to buy Bitcoin using Apple Pay?

Strike charges 0% fees for Bitcoin purchases via Apple Pay — making it the cheapest option available in 2026. BitPay at ~1% is the next most cost-efficient. Both require a debit card linked to Apple Pay to avoid credit card cash advance fees. Strike also uses the Lightning Network, enabling instant settlement and near-zero withdrawal fees to external wallets.

Can I use Apple Watch to make crypto payments?

Yes — if your crypto Visa card (Coinbase Card, Crypto.com Visa) is added to Apple Wallet on your iPhone, it automatically syncs to Apple Watch for tap-to-pay. You can spend crypto-funded balances directly from your wrist at any NFC-enabled terminal. The crypto-to-fiat conversion happens on the backend; the merchant just sees a Visa tap payment.

Does Face ID make Apple Pay crypto purchases more secure?

Yes. Face ID (or Touch ID) adds hardware-level biometric security to every Apple Pay crypto transaction. Unlike browser-based crypto checkout, no card numbers are transmitted or stored on merchant servers. The Secure Enclave in Apple Silicon processes biometric data locally — it never leaves your device. This makes Apple Pay-authenticated crypto purchases significantly more secure than standard card-entry checkout flows.

How do I get a crypto card that works with Apple Pay?

Apply for a Coinbase Card, Crypto.com Visa, or BitPay Prepaid Mastercard through their respective apps. Upon approval, add the physical or virtual card to Apple Wallet via the Wallet app’s “+” button. Load crypto to the card within the app. The card is then available for Apple Pay tap-to-pay at any NFC terminal worldwide that accepts Visa or Mastercard.

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The Bottom Line on Crypto Payment Solutions and Apple Pay

The best crypto payment solutions that support Apple Pay in 2026 serve two distinct use cases: buying crypto conveniently using Apple Pay as a funding rail, and spending crypto anywhere Apple Pay is accepted via linked Visa or Mastercard cards. Coinbase, Crypto.com, MoonPay, Strike, and PayPal all do this well — each with different strengths on fees, coin selection, and usability.

For Apple product buyers specifically, the practical reality is that Apple’s own stores don’t accept crypto directly. But combining a crypto Visa card with Apple Wallet, or using purpose-built crypto retailers, closes that gap entirely. AppleBTCs.com remains one of the few places where you can buy the latest iPhone, MacBook, or Apple Watch directly with Bitcoin or 50+ other cryptocurrencies — no account, no KYC, free worldwide shipping, with certified refurbished options available for budget-conscious buyers.

As Apple’s own roadmap evolves, native crypto in Apple Wallet looks increasingly likely within the next 12–24 months. Until then, the third-party solutions covered here make the Apple Pay and crypto combination genuinely practical, secure, and worth using today.