Based on 16 and 60 real audits
| Metric | American Express | Apple Pay | Winner |
|---|---|---|---|
| Performance | 44 | 31 | American Express |
| Accessibility | 87 | 87 | Tie |
| Best Practices | 91 | 83 | American Express |
| SEO | 93 | 92 | American Express |
| Security | 77 | 72 | American Express |
| TTFB | 304ms | 301ms | Apple Pay |
| Composite | 78 | 74 | American Express |
American Express outperforms Apple Pay in 5 of 7 categories, with a stronger composite score (78 vs 74). Apple Pay leads in TTFB.
Choose American Express when your primary concern is performance and best practices. Its audit data shows consistent strength in these areas across the sampled sites.
Choose Apple Pay when your primary concern is server response time. Its audit data shows consistent strength in these areas across the sampled sites.
Scores are medians across 16 audited American Express sites and 60 audited Apple Pay sites in the BeaverCheck database. Every audit runs the same 100+ checks — Lighthouse performance, security headers, accessibility, SEO, server response time — against a real URL. No vendor input, no sponsorship, no affiliate links. Read the full methodology →
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