This limitation exists because Apple and PayPal operate as separate, closed-loop payment ecosystems, each designed to keep users within their own walled gardens for security and business reasons. The Workaround: Using a Bank Account While you cannot send Apple Pay to PayPal directly, you can bridge the gap by using your physical bank account as an intermediary.
Apple Pay and PayPal at Checkout: Understanding the Key Differences
This process involves pulling money from Apple Pay to your bank, and then manually entering your bank account details when you are making a payment on PayPal. It is an indirect method that requires discipline and time, as transfers between a digital wallet and a bank account can take several business days to clear.
When shopping online, customers selecting PayPal as a payment method are typically redirected to the PayPal website or prompted to open the PayPal app to confirm the payment. In this scenario, the customer is using their PayPal balance, bank account, or PayPal credit—none of which involve Apple Pay.
Apple Pay PayPal At Checkout Differences
The Future of Digital Wallet Integration For merchants, the limitation usually does not impact the checkout experience significantly. In this scenario, the customer is using their PayPal balance, bank account, or PayPal credit—none of which involve Apple Pay.
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