Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchase in stores, within selected apps and participating websites.
Is Apple Pay secure?
Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer. Other features which help to keep your payments secure and safe include:
- iPhone and iPad
Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.
- Apple Watch
Payments can only be authorized if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and
- Apple Pay.
To re-activate the NFC feature and Apple Pay the device passcode has to be entered again. Please note: you should never share your device passcode, or register more than one person’s fingerprint to Touch ID, while your card is registered to Apple Pay.
Other helpful FAQs.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
No, your card details are not stored on the device or in the Cloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.
The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.
The Device Account Number can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.