How Apple Pay is Changing Digital Transactions in 2025

From the beginning, the online payment process has undergone rapid changes, and Apple Pay has led the trend since then. Because it is easy to use, comes with contactless payments and safeguards privacy, Apple Pay has helped set new standards in daily transactions. Many people worldwide now use Apple Pay to buy things, book travel, or get coffee. In what ways is blockchain transforming finance in the coming year? It’s worth examining this a little further.  

The Rise of Apple Pay: History of a Digital Wallet

In autumn 2014, iOS 8.1 introduced Apple Pay, which made it possible for your iPhone and Apple Watch to work as secure, wireless wallets. An NFC-based system meant that touching your phone to the terminal was all it took to pay for items at stores, in apps or online.

After Apple Pay was launched in the U.S., it soon became available in countries across Europe, Asia and the Middle East. Over the years, it has earned a reputation for trust and popularity worldwide in digital payments.

A description of how it works.

• You can easily add your debit or credit card details to Apple Wallet.

• Users must verify transactions by using Face ID, Touch ID or a passcode for their device.

• Your card numbers are never kept on your device or Apple’s servers.

• All transactions are cleared with a single, unique and temporary security code.

In 2025, using Apple Pay lets you manage transit passes, digital IDs, hotel keys and other functions, all with a strong emphasis on your privacy and the security of your data.

What’s New in Apple Pay 2025? New Features

Apple Pay in 2025 is another updated and improved beast. It offers greater capabilities and more features than it did before. As a result of updates in iOS 18 and watchOS 12, paying with your Apple devices is even smarter.

1. Use your iPhones to make Apple Pay payments as you like.

With AirDrop, anyone can send or receive money right from their iPhone. Perfect for distributing costs, paying someone who works for you even if they’re not on the payroll or managing minor business transactions without outside tools.

2. Apple Pay Later 2.0 has been launched.

Users of Apple Pay Later can now make monthly payments for purchases, receive improved credit reviews, and enjoy further integration with the Wallet app, along with terms that are easier to understand. It's available in more regions than ever before.

3. Using Digital ID in the Country

By 2025, IDs, driver’s licenses and work permits can be safely stored in the Apple Wallet app. Gains can be made by giving Face ID a try; it approves the sharing of information required by law when a user makes a purchase that may require identity or age verification.

4. Managing Your Subscriptions More Easily

Apple Pay’s new subscription dashboard makes it easy for anyone to review, alter or quit their ongoing digital subscriptions with one quick action.

Security First: How Apple Pay Keeps Your Money Safe

Being a privacy-first and secure company has long set Apple apart and 2025 is following this pattern.

Tokenization: Neither your phone nor any merchant stores your actual card number. Instead of a personal number like a card, a Device Account Number is assigned, encrypted, and stored securely on the Secure Element chip.

Biometric Authentication: Face ID, Touch ID or a passcode is required when using a transaction, so incorrect use is rarely possible.

Zero Knowledge: None of this information is shared with Apple. It makes certain that your personal spending data is not shared.

Find My Integration: You can find it under this section. You can disable Apple Pay on your device right away by using iCloud, even if you don’t have your phone.

Apple Pay in Bangladesh: Detailed Overview

A lot of people want to know how to use Apple Pay here, but for now, it’s not supported. That means Apple Pay is not available in Bangladesh. A number of issues prevent the game from being introduced in Bangladesh. The primary reasons for this are mainly global advancements, regulatory difficulties, and a lack of local banking connections.

Yet, users across Bangladesh still use various alternative methods for paying online.

• bKash: A standard mobile financial service for people to make peer-to-peer payments, pay bills and scan QR codes. This is currently the most popular one since it’s beginning. 

• Nagad: A digital banking platform supported by the government.

• Rocket: Rocket is another popular MFS that makes it easy to pay without cash or make merchant payments.

• Upay: Upay is gaining popularity for making payments and recharging phones.

• Bank Cards & Mobile Apps: Visa/Mastercard enable debit/credit cards linked to banking apps are commonly used for online purchases. Most people use their debit or credit cards linked to mobile banking for online transactions.

Since Bangladesh does not yet have Apple Pay, but interest in the service is growing, Apple could soon partner with local banks.

Future of Cashless Payments: Apple’s Role in 2025 and in the Future

Apple is at the forefront of future payments, rather than only keeping up. Now that fewer people carry cash, Apple Pay is working to ensure all transactions are both straightforward and secure.

You’ll be able to see why Apple Pay is playing a part in the move towards digital payments_

• Global Expansion: A growing number of banks and other users worldwide are introducing Apple Pay.

• Wearables Integration: You don’t need your phone with you, because the Watch connects to Apple Pay using cellular.

• Eco-friendly Receipts: Because receipts are stored digitally in Wallet, they help protect the environment and follow Apple’s focus on sustainability.

• Cryptocurrency Ready: Reports say that users of Apple Wallet will soon be able to handle their digital currencies, giving them more control over their finances.

After reading all those things, you have already understood that Apple pay is not just limited in a payment system, it's literally building a financial ecosystem where your device becomes your bank, your ID, and your wallet. We hope to enjoy Apple Pay in Bangladesh soon.