Mobile Wallets Like Apple Pay Driving Contactless Payments in Canada


Moneris says consumer spending in Canada jumped nearly 5 per cent in the third quarter of 2016, according to the same period a year ago, as noted in their quarterly MonerisMetrics report.

The report says spending on credit cards took 65 per cent of transactions, versus 35 percent on debit cards. All provinces showed spending increases, except Alberta, which saw a nearly 3 per cent decline, year-over-year.

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When we take these into the consideration of contactless payments via cards and smartphones with mobile wallets, contactless purchases represented nearly 33 per cent of all transactions in Q3, a massive 85 per cent jump year-over-year. Contactless spending volume surged 145 per cent compared to the same quarter last year.

Angela Brown, President and CEO of Moneris, said in a statement “High growth in the number of contactless transactions being made and volume of dollars spent is indicative of where we are headed with the technology, as more Canadians adopt mobile wallet options such as Apple Pay.”

Canada’s big banks launched Apple Pay support in May and June of this year, which most likely helped drive up those contactless payment numbers for both credit and debit cards. As more and more banks adopt Apple Pay, these numbers will continue to keep climbing.

Have you been using Apple Pay for your daily transactions?


  • Peter

    I use Apple Pay wherever I go. If the merchant doesn’t have a terminal that is capable to accept contactless payments, I just tell them I won’t shop there anymore and tell them how convenient and much faster it is to take such payments.

  • Many99

    Unfortunately some retailers are to stupid to realize how good ApplePay is, one of the retails Champs who for some reason have tap to pay turned of.

  • bbousquet

    I’m still puzzled at some locations where tap works with the credit card but not with the watch/phone.

  • @CykfCyyz

    I use Apple Pay everywhere in Canada. Right now I’m in America and majority of the time I have to swipe my credit card and sign the receipt as most places don’t even accept the chip yet.
    The US is so far behind the times. I even saw a person write a cheque in Costco!

  • bbousquet

    We can still write checks at Costco as well, by the way.

  • xeronine992

    Where has this been the case? The only two things I can’t pay for using Apple Pay are vending machines and paying at the pump for gas. I think because they’re trying to authorize an amount and not the actual amount that will be finalized. That may not be why it won’t work, but that’s the only difference I can think of.

  • xeronine992

    Don’t even get me started on Canadian Tire Gas+.. OMG my blood boils when I have the unfortunately experience of going in there. Back when only American Express worked with Apple Pay I used it at those places all the time. Now they have little notes on the machine saying paying with your phone is not supported. Bullsh*t! The last time I went (and will the last time I ever go) the girl goes “we don’t support it” and I was quick to say “I’ve used it here previously” and her co-worker cut me off and says “look, it doesn’t work”.

    My blood pressure is raising just thinking about my encounters there.

    I want to buy an Apple Watch just to ninja pay for my freaking fuel when I’m travelling along the 401 between Toronto and Montreal!

  • bbousquet

    Had this happen to me at Sports Rousseau in Boisbriand (terminal would not accept the transaction with the watch but tapping with the actual card worked) and the same thing happened at a local fast food place this week. I guess there’s a “paranoid” option on some terminals?

  • SOB

    Apple Pay works at Petro Canada but my CIBC Petro MC doesn’t get any points when using Apple Pay.