Two examples of this are splitting a restaurant check and sending gift money to family and friends. The first use case we tested is making P2P cash payments. There are three different use cases for these apps (which we tested) that we will explain, as well as three other use cases that we will mention (even though we didn’t test these). If you want to use the app to check out at online stores, then you'll need to set the top button to share your account (as indicated in the screen above). Google Pay has this selection of privacy options where you can opt out of sharing data with outside vendors or among various Google companies. As our testing concluded, two clear winners emerged: Apple Pay and Google Pay.

We tested each of them with the following in mind: ease of installation, ease of setup, features, security, fees and customer support. We tested the apps on an Apple Watch and a Samsung Galaxy Watch. The apps work across a variety of web browsers (with the exception of Samsung) and watches.

We tested Apple Pay and Samsung Pay on just their own devices and tested Google Pay, Venmo and Cash App on both Android and iOS. Over the course of several weeks, we tested out five different mobile payment apps: Apple Pay, Google Pay, Samsung Pay, Venmo (by PayPal) and Cash App (by Block, formerly Square). The coronavirus pandemic has also helped to make contactless “everything” more compelling, so being able to use our smartphones or smartwatches for mobile banking and payments is as appealing as ever. Paying for items this way has never been easier, thanks to the availability of numerous mobile payment apps, better payment terminal infrastructure, and wider support for Bluetooth/near-field communication (NFC) contactless credit cards by American issuers. Mobile payment apps can be a convenient way to send and receive money using your smartphone or smartwatch. Your CNN account Log in to your CNN account

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