Baningi abasebenzisi e-United States abavame ukusebenzisa ubuchwepheshe be-Apple Pay bokukhokha nsuku zonke ezindaweni ezinkulu zokuthenga. Noma kunjalo ukusetshenziswa kwale ndlela yokukhokha ezitolo ezidayisa izinto zincane impela. Ukuzama ukuxazulula le nkinga enkulu ekuthengiseni, uhlelo lwePayFinder selufikile ku-App Store, okwamanje luyatholakala e-United States kuphela, ngoba yizwe lapho ubuchwepheshe be-Apple Pay busabalele khona kakhulu. Amanye amazwe lapho kutholakala khona futhi: iCanada, i-Australia kanye ne-United Kingdom, njengoba kuwubuchwepheshe obunamakhono amancane asebenzayo namabhange ambalwa ahambisanayo nezikhungo zezikweletu, asikho isicelo esifana nalokhu.
I-PayFinder inikeza ulwazi cishe ezitolo eziyi-13.000, ezingama-95% ezitolo zokuthengisa. Ukusebenza kwalolu hlelo lokusebenza kulula kakhulu, ngoba kufanele sivule uhlelo lokusebenza futhi sizitholele ebalazweni, lapho kuboniswa khona wonke amabhizinisi ahlinzeka ngale ndlela yokukhokha ngogesi. Abathengisi abaningi banabo lobu buchwepheshe kepha ngenxa yokuntula isifiso, noma ngenxa yokungazi, abawatsheli amakhasimende abo ukuthi banganikeza i-Apple Pay njengendlela yokukhokha.
Ukwamukelwa kwe-Apple Pay phakathi kwabathengisi bekungeyona imali ekhokhwayo ngaphezulu kokuthengile, ngoba yibhange elisabalalisa ikhomishini elisebenza ngokusebenzisa le nsizakalo nabafana abazinze eCupertino. Njengamanje kunamabhange angaphezu kwama-850 nezikhungo zezikweletu ezihambisana ne-Apple Pay njengamanje, evumela abathengisi abaningi ukuthi babe nenketho yokunikeza le ndlela yokukhokha, kungakhathalekile ukuthi basebenza nebhange elingakanani.