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Apple Pay
apple.com
Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make secure payments in stores, within apps, and on the web using their Apple devices. It integrates with existing credit and debit cards and offers features like peer-to-peer payments through Apple Cash and a 'pay over time' option for purchases.
Rationale
Apple Pay facilitates payments but does not offer multi-currency accounts or international money transfers at mid-market rates like Wise. It primarily focuses on enabling payments within the Apple ecosystem and at merchants that accept Apple Pay.
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