How to Buy Crypto with Apple Pay & Google Pay

Apple Pay and Google Pay let you pay for a crypto purchase with a card saved on your phone, without typing in your card number. You can use them only where the checkout offers them, and your card issuer still decides whether to approve the payment. For the whole buying process, read the guide on how to buy crypto.

Below: what you need, the steps, the costs to check and how to stay safe. When you are ready, you can see prices and payment options on Coinmama.

Can you buy crypto with Apple Pay?

Yes, if the crypto service’s checkout shows Apple Pay as a payment option in your country. Apple says you can pay online or in apps whenever you see Apple Pay as an option, but that it is not available in all markets (as of September 2026).

You need a supported card from a participating card issuer, saved in Apple Wallet. On a website, Apple Pay works in Safari; in other browsers, you pay by scanning a code with your iPhone or iPad.

Can you buy crypto with Google Pay?

Yes, if the checkout offers Google Pay in your country. Google Pay is how you pay online, in apps and in shops with the cards saved in Google Wallet. Google says some of its payment features are only available in certain countries and on certain devices (as of September 2026).

Your bank decides whether its cards work with Google Wallet, so ask your card issuer if you cannot add your card.

How do Apple Pay and Google Pay compare?

What do you need before you start?

You need a card in your mobile wallet, a crypto account, a verified identity and a wallet address.

• A card in Apple Wallet or Google Wallet. Your bank may send you a code to confirm that the card is yours.
• An account with a crypto service whose checkout offers Apple Pay or Google Pay where you live.
• A verified identity. Most services check your ID before your first purchase. Learn why in KYC and crypto.
• A wallet address. Crypto is sent to a wallet address, so set up a wallet you control first. New to this? Read what a crypto wallet is.

How do you buy crypto with Apple Pay or Google Pay, step by step?

The steps are the same for both wallets, except for how you approve the payment.

For the checkout on Coinmama, see the Apple Pay and Google Pay help pages and how to place an order.

Are there extra fees or limits?

There can be: the service’s fees, shown at checkout, and your card issuer’s own charges.

• Service fees. On Coinmama: Coinmama does not add its own fee. All fees are shown before you confirm your order. See Coinmama fees and fees and charges.
• Cash advance charges on credit cards. Some card issuers treat a crypto purchase as a cash advance. A Chase credit card agreement in the US, for example, lists cryptocurrency among “cash-like transactions” treated as cash advances (as of September 2026). With a cash advance you generally pay interest from the day of the transaction, says the US Consumer Financial Protection Bureau (CFPB). Read what a cash advance fee is.
• Foreign transaction charges. Your card issuer may add a charge when you pay a merchant abroad or in a foreign currency (CFPB).

Limits come from the service, your verification level and your bank. For example, NatWest in the UK says it blocks its credit and charge cards from buying crypto and limits debit card payments to crypto exchanges to £1,000 a day and £5,000 in any 30-day period (as of September 2026). For Coinmama’s minimums and limits, see account limits and payment methods and compare our payment methods.

Why might a mobile-wallet purchase fail?

Your card issuer may stop the payment, or the checkout, your browser or your card may not support the wallet. Check these points:

• Your card issuer declined it. Some banks block or limit card payments to crypto services to protect customers from scams. Call your bank or try another card. If the money shows as reserved, read about authorization holds.
• The option is missing. The wallet may not be offered in your country or on that checkout, or your browser may not show it.
• The card is not supported. Apple Pay needs a card from a participating card issuer, and for Google Wallet your bank decides which of its cards work.
• An approval step was not finished. The Face ID, fingerprint or passcode check, or your bank’s extra check, was cancelled or timed out.
• The details do not match. Use a card in your own name that matches the identity you verified.

For card payments on Coinmama, see buying with Visa or Mastercard.

Is it safe to buy crypto with Apple Pay or Google Pay?

Apple Pay and Google Pay help protect your card details, but they cannot protect the crypto once it has been sent.

• Your card number stays hidden. Apple Pay, and Google Pay with a card in Google Wallet, give the seller a stand-in number instead of your card number (see the table above).
• You approve each payment on your device, which helps if your phone is lost or stolen.
• Crypto transfers are final. The US Federal Trade Commission (FTC) says crypto payments typically are not reversible: you can usually get crypto back only if the person who received it sends it back.
• Scammers ask for crypto. The FTC warns that only scammers demand payment in crypto, and that some tell people to buy crypto and send it to a wallet address they give. If anyone asks you to do that, stop and read how to protect yourself from fraud.

Protect your crypto account with a strong, unique password and two-factor authentication where it is offered. For more on risks, read is Bitcoin safe to buy? or the guide on how to buy Bitcoin.

Frequently asked questions

Coinmama Team

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