【本文首发于2016年8月3日】Apple Pay是基于NFC短距离通信技术，使用时无需有网络。聚沙觉得在北美使用手机支付，还是Apple Pay的体验最方便。
除了便捷外，Apple Pay的安全性能也做的很好，iPhone上不直接存储信用卡信息，而是一个由卡组织发放加密的一个token，存放在iPhone的独立安全芯片中，用它代替磁条上的信息。用户数据加密存储在硬件中，数据传输也是加密的，支付时要指纹或面部ID识别认证。只有认证通过的时候，iPhone才允许你利用NFC读取token出来。假设token泄漏，也无法逆向还原出信用卡信息。
Apple Pay的绑卡是在线的，你需要首先在iPhone输入信用卡信息，Apple Pay把你的信用卡信息拿到卡组织处验证，卡组织验证通过后，将token发送到Apple Pay，存放在iPhone的安全芯片中【关于Apple Pay的技术介绍，多谢百度百科】。
目前加拿大支持Apple Pay的银行有：
- Access Credit Union
- Affinity Credit Union
- American Express
- Assiniboine Credit Union
- ATB
- Bank of America Merrill Lynch - Commercial Cards
- Bank of Montreal (Interac debit cards, Mastercard credit cards)
- Brim Financial Inc.
- Cambrian Credit Union Limited
- Canadian Tire (Mastercard credit cards)
- Chinook Financial
- CIBC (Interac debit cards, Mastercard and Visa credit cards)
- Coast Capital Savings Credit Union
- Collabria Financial Services, Inc
- Conexus Credit Union
- Cornerstone Credit Union
- Desjardins
- Envision Financial, a division of First West Credit Union
- First Calgary Financial
- HSBC (Mastercard credit cards)
- Innovation Credit Union
- Island Savings, a division of First West Credit Union
- Kingston Community Credit Union
- Luseland Credit Union Limited
- Macklin Credit Union
- MBNA
- Mountain View Financial
- National Bank of Canada
- President's Choice (Mastercard credit cards)
- Prospera Credit Union
- RBC - Royal Bank of Canada (Interac debit cards, Mastercard and Visa credit cards)
- Scotiabank (American Express credit cards, Interac debit cards, Visa credit and prepaid cards)
- Servus Credit Union
- Steinbach Credit Union
- Synergy Credit Union
- Tandia Financial Credit Union
- Tangerine
- TD (Interac debit cards, Visa credit cards)
- Unity Credit Union
- Valley First - Enderby, a division of First West Credit Union
- Vancity