Your name and address is securely stored by the partner bank and Apple Payments Inc., but any additional information that you're asked to provide — such as Social Security number, date of birth, answers to questions (e.g., confirm street name you have previously lived on), or a copy of your government ID — can't be ...
Apple Pay retains anonymous transaction information, such as approximate purchase amount. This information can't be tied to the user and never includes what the user is buying. Besides the use of Apple Pay in stores, it also works within iOS, iPadOS, macOS, watchOS, and visionOS apps.
Apple Pay is safer than using a physical credit, debit or pre-paid card. Face ID, Touch ID or your passcode is required for purchases on your iPhone, Apple Watch, Mac or iPad. Your card number and identity aren't shared with merchants, and your actual card numbers aren't stored on your device or on Apple servers.
Your shipping and billing information, and information about merchant charges, such as tax or shipping fees associated with your purchase, will briefly be visible to Apple. Apple does not retain any of this information in a form that personally identifies you.
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.
To protect the user's privacy, Apple Pay sets the display name only after the user authorizes the purchase.
Yes, it's possible to be scammed via Apple Pay. If a hacker is able to gain access to your personal details, they may be able to access your account and make fraudulent payments.
Even then, they would only get the card number and expiry date which is the same information you see by simply looking at the front of any card. There's no way anyone can access to the important details such as the security code on the back of the card, your name and address, or bank account details.
After you authorise the payment, other information requested by the merchant, such as a device- or merchant-specific account number, your postal address or email address, is also provided. The card number of your credit, debit or prepaid card is not provided when you use Apple Pay.
Once added to Apple Wallet, your lD information is encrypted on your device, so others including Apple can't access it unless you choose to present it. Your presentment history is encrypted and stored only on your device, and Apple doesn't retain any presentment information that can be tied back to you.
You'll need either a state issued ID or drivers license to verify your identity. There is no workaround or alternative to verification.
Cons of Apple Pay
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.
Why you're asked to verify your identity. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Card is issued by Goldman Sachs Bank USA, Member FDIC. Green Dot Bank and Goldman Sachs require identity verification for fraud protection and regulatory reasons.
When you use Apple Cash, including when you add money or transfer money to a bank account, our partner bank, Apple, and Apple Payments Inc. may use and store information about you, your device, and your bank account in order to process the transaction, prevent fraud, and comply with financial regulations.
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.
When you use your debit card to make a payment, the merchant or seller who is processing the transaction may be able to see your name on the card, as well as the card number, expiration date, and security code. However, the transaction is typically encrypted and secured to protect your personal information.
Can You Track Someone Who Used Your Credit Card Online? No. However, if you report the fraud in a timely manner, the bank or card issuer will open an investigation. Banks have a system for investigating credit card fraud, including some standard procedures.
When you make a purchase using your debit card, the store typically collects transaction information, including the cardholders name and billing address. However, this information is primarily used for processing the payment and verifying the cards validity.
I can confirm they don't see my name. I accept Apple Pay from people not in my contacts all the time.
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.
Many people wonder whether Apple Pay is safer than traditional credit cards or other payment services like PayPal. In many cases, Apple Pay offers a higher level of security.
Some iPhone, iPad, and Mac apps may let other users look you up by the email address associated with your Apple Account. Anyone who looks you up can also see your first and last name.
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 recipient will see:
Your name, profile pic or avatar, amount received, and your comments. Your shipping address, if you're paying for goods or services. The recipient won't see the payment method you used.