More and more Apple users have their cards stored there to pay with their mobile or Apple Watch. However, there are certain doubts about the security of this option. However, as you know, Apple takes great care of security in all aspects, and this case was not going to be less. If you want to know how is the security of Apple Wallet and Apple Pay, in this post we will tell you.
It is very practical to be able to have your credit card saved on your mobile and to be able to pay without having to take the card out of your wallet. And this is possible thanks to Apple Wallet and Apple Pay. You can save your credit cards to pay in stores or to make purchases online or in apps without having to manually enter all the card numbers.
Most important aspects of security
- Add credit cards: When you add a credit, debit, prepaid, or transportation card (where applicable) to Apple Pay, the information you enter on your device is encrypted and sent to Apple servers. If you use the camera to enter card information, this information is never saved on the device or stored in the photo library. Apple decrypts the data, determines the card’s payment network, and re-encrypts the data with a key that only the payment network can unlock. It works the same way when you make purchases online or in apps, and you won’t have to worry about the security of your bank account.
- Pay in stores: When you use Apple Pay in stores that accept contactless payments, Near Field Communication (NFC) technology is used between the device and the payment terminal. To submit your payment information, you must authenticate using Face ID, Touch ID, or your code. With Face ID or Apple Watch, you must double-click the side button when the device unlocks to activate the default payment card.
- In case of loss: If you’ve turned on Find My iPhone on your device, you can suspend Apple Pay by putting your device in Lost mode, instead of canceling cards right away. If you find the device, you can turn Apple Pay back on. You can go to your Apple ID account page to remove the option to make payments with the credit, debit, and prepaid cards you used with Apple Pay on your device. Remotely wiping your device using Find My iPhone will also remove the ability to pay with the cards you used with Apple Pay. The bank, issuer or service provider authorized by one of the above will suspend the use of your credit, debit and prepaid cards in Apple Pay, even if your device does not have a connection to a mobile data network or Wi-Fi. However, if you find the device, you will be able to re-add the cards through Wallet.