Apple does not retain information about the transaction and the payment method eligibility check in a manner that is linked to you.
Apple Pay keeps anonymous data, like the purchase amount. However, this data isn't linked to users and doesn't reveal what they buy.
Apple Pay doesn't transmit the actual credit card number, bank account number, or other bank card details at the time of purchase. It uses a number directly linked to the device and a unique transaction code. As a result, personal card numbers are protected from potential data breaches.
Family members will be able to see a description of the payment method used, such as Apple Pay, but will not be able to see payment details, such as full payment account number. Family members will automatically get access to the organizer's purchases and can opt in to share their purchases with other family members.
See the Apple Support article How to share apps and purchases with your family. You can download their purchases on your Mac, iPhone, or iPad at any time. Other members of the group can access your purchases in the same way. You can hide individual purchases you don't want to share with other group members.
As part of Family Sharing, your child's information including their past and future purchases in the App Store, the iTunes Store, Apple Books, or Apple TV app may be shared with members of your Family if purchase sharing is turned on.
Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants.
Apple Pay is not accepted at all retailers and not compatible with all banks or card issuers. Backup may be required, just in case. Apple Pay only works if your phone does. You may still need to carry a physical credit card as a backup in case your battery dies or you misplace your phone.
Automatically: Track orders for select Apple Pay purchases made on devices with iOS 16, iPadOS 16, macOS 13, or later. Manually: Tap the Track with Apple Wallet button on the order confirmation screen in apps with iOS 17, iPadOS 17, or on the web with devices using iOS 17 or iPadOS 17, or macOS Sonoma.
When you use Apple Pay on your iPhone or Apple Watch to confirm a purchase from Safari on Mac, your Mac and the authorizing device communicate over an encrypted channel via Apple servers. Apple doesn't retain any of this information in a form that personally identifies you.
Credit, debit, or prepaid card data is sent from the payment network or card issuer encrypted to these applets using keys that are known only to the payment network or card issuer and the applets' security domain. This data is stored within these applets and protected using the Secure Element's security features.
Once you've successfully connected your account, you can see your current account balance1 and up to two years of your full transaction history, including purchases that weren't made with Apple Pay. To see your account balance and transaction history: On your iPhone, open the Wallet app.
Key Takeaways. Apple Pay is certainly safer than cash and it has more safety features than credit cards. Some security features, like two-factor identification, are optional. A complicated passcode is still a good idea.
Since Apple Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants. Am I able to opt out of Apple Pay at any time? Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed.
It's also important to emphasize that when you use Apple Pay, your card number and identity aren't shared with merchants. Your actual card numbers are neither stored on your device nor on Apple servers. And when you pay in stores, your actual card number won't be sent to merchants.
The survey results suggest that the top reason for using mobile tap-and-pay is because it is more usable than traditional debit or credit cards. In contrast, our survey identified user security concerns as the top reason for not using Apple Pay. In fact, Apple Pay nonusers were not too concerned about usability.
Banks and law enforcement can use transaction details, surveillance footage, and digital tracking methods to identify the perpetrator, with various results.
Apple Cash is an easy and private way to send and receive money, and it's built right into iPhone. You can send Apple Cash in Messages, in Wallet, or with Tap to Cash by simply holding your iPhone near someone else's.
It all depends on your needs, but currently, according to experts in this area, the two most secure are Apple Pay and Venmo. Choose whichever you please to use, but remember to take precautions to ensure security when using each platform.
What is the difference between Apple Pay and Apple Wallet? Apple Pay is a safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.
Kids can use Apple Cash
With Apple Cash Family, your child or teen can send or receive money in Messages and Wallet and make purchases with Apple Pay. Parents can set up an allowance using recurring payments or send money directly to children. And parents can see and limit kids' spending.
On a Mac, in the menu bar, choose Account > Purchased. If you use Family Sharing, you might see Family Purchases instead of Purchased. On a Windows PC, click your name in the sidebar, then click Purchased. Click Hide to confirm.
Transactions and comments sent by children using Apple Cash Family are visible to parents, guardians and the family organizer. Adding Apple Cash into third party financial management services gives those services visibility into the account activity they request access to.