How does Wallid Express Checkout compare to Apple Pay on Shopify?

Wallid Express Checkout offers lower fees, instant payouts, and is optimised for first-time buyers with seamless identity verification, unlike Apple Pay, which is restricted to Apple users and requires prior account setup.

What are the fees for using Wallid Express Checkout compared to Apple Pay?

Wallid Express Checkout charges a flat fee of 1% + 25p, which is significantly lower than Apple Pay's fees, which vary based on the Shopify plan (1.5% to 2.0% + 25p).

Does Wallid Express Checkout support non-Apple users?

Yes, Wallid Express Checkout works for both Apple and non-Apple devices, ensuring a wider audience reach compared to Apple Pay, which is limited to Apple Wallet users.

Is Wallid Express Checkout secure?

Yes, Wallid Express Checkout uses secure bank-level authentication via open banking standards, including biometric ID verification, ensuring a highly secure and fraud-resistant checkout experience.

Comparisons

Apple Pay Express Checkout vs Wallid Express Checkout on Shopify

Apple Pay is fast — but Wallid’s Express Checkout gives you faster onboarding for first-time buyers, real-time identity verification, and lower transaction costs.

Looking to improve conversion at checkout on your Shopify store? This guide compares Apple Pay Express Checkout with Wallid’s new Express Checkout powered by Pay-by-Bank. We look at real differences in speed, cost, onboarding UX, and third-party fees.

Apple Pay Express Checkout:
Fast, But Apple-Only

Native on iOS (Face ID / Touch ID)
Card-based (card rails, interchange fees)
Secure & familiar for Apple users
Only works for returning Apple Wallet users
Included with Shopify Payments
(no extra fees)
Requires Apple account and preloaded billing info

Apple Pay Express Checkout:
Fast, But Apple-Only

Native on iOS (Face ID / Touch ID)
Secure & familiar for Apple users
Included with Shopify Payments (no extra fees)
Card-based (card rails, interchange fees)
Only works for returning Apple Wallet users
Requires Apple account and preloaded billing info

Wallid Express Checkout:
Fast, Bank-Based & Built for New Users

Works for first-time buyers with no stored info
Prefills name, surname, and address from bank info
Performs real-time age verification
Secure Pay-by-Bank payment embedded in checkout
No redirects, no logins, no stored cards
No third-party Shopify payment gateway fees
Works on desktop and mobile (no device lock-in)

Checkout UX:
Returning vs First-Time Shoppers

Apple Pay
Great for repeat Apple customers
Requires Apple device + Wallet setup
No auto-prefill if using another device
Wallid Express Checkout
Optimized for first-time buyers
Prefills all fields automatically via bank data
Verifies age & identity instantly
Works cross-device and platform

Security & Trust

Apple Pay

Secure biometrics + tokenized cards
Wallid

Bank-authenticated login + biometric + no stored cards or passwords

Shopify Plan Fee Comparison

Shopify Plan	Apple Pay (Shopify Payments)	Wallid Express Checkout (Pay-by-Bank)	Third-Party Fee for Wallid
Basic (£25/mo)	2.0% + 25p	1% + 25p	None
Shopify (£65/mo)	1.7% + 25p	1% + 25p	None
Advanced (£344/mo)	1.5% + 25p	1% + 25p	None

Example: £100 Order Breakdown

Shopify Plan	Apple Pay Fee (2.0%, 1.7%, 1.5% + 25p)	Wallid Express Checkout Fee (1% + 25p)
Basic (£25/mo)	£2.25	£1.25
Shopify (£65/mo)	£1.95	£1.25
Advanced (£344/mo)	£1.75	£1.25

Calculation Logic

Apple Pay (Basic): £100×2.0% + £0.25 = £2.25
Wallid: £100 × 1% + £0.25 = £1.25 (Wallid processing fee only)

On a £100 order, Wallid Express Checkout processing costs £1.25 (1% + 25p).

Payouts & Costs

Apple Pay

Subject to Shopify Payments timing (1–3 days)
Wallid Pay-by-Bank

Instant or same-day bank settlement

Conclusion

Apple Pay offers great speed for Apple users, but doesn’t help first-time shoppers or lower your transaction costs.

Wallid Express Checkout is designed for maximum conversion — especially for first-time buyers — and brings lower fees, auto-filled checkout, and verified identity in one seamless flow.