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Apple Card Gains Advanced Fraud Protection in iOS 15

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Starting with iOS 15, Apple Card owners can take advantage of a new Advanced Fraud Protection feature that is designed to keep Apple Card information more secure by changing the three-digit security code associated with the card on a regular basis.

apple-card-feature2.jpg

When enabled, Advanced Fraud Protection will cause the three digit security code used for making purchases online to change every so often, which protects you if your card details are compromised by an online merchant. Apple says that the feature will not impact recurring purchases and subscriptions.
Advanced Fraud Protection is a way to keep your Apple Card information even more secure. After turning on Advanced Fraud Protection, your three-digit Apple Card security code will change periodically after it's been viewed in the Wallet app or after it's been auto-filled from Safari.

You should check your security code each time you want to make a purchase with Apple Card to be sure you're using the most up-to-date code. You can also use Advanced Fraud Protection without affecting your recurring purchases and subscriptions, such as streaming services or memberships, because these merchants use your security code to authorize payment just once when you first sign up.
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As outlined in new Apple Card support document, Advanced Fraud Protection can be enabled by following these steps:
  1. Open up the Wallet app and tap on Apple Card.
  2. Tap on the card number icon and then authenticate with Face ID, Touch ID, or a passcode.
  3. Scroll down to the Advanced Fraud Protection option and toggle it on.
Advanced Fraud Protection can also be turned on using an iPad by following the same steps, but through the Wallet & Apple Pay section of the Settings app. Turning it off can be done by following the first two steps and then toggling off the feature.

You can tell that the option for a rotating security toggle is turned on when the clock icon is displayed next to the three-digit security code. Those who enable the feature will need to make sure to check their security code for each online transaction to make sure the most current code is being used.

apple-card-advanced-fraud-protection.jpg

Today's iOS 15 update also makes it easier to find an Apple Card number by opening up the Wallet app and tapping on the card icon, plus there's a redesigned Apple Pay payment sheet that allows users to more easily add new cards and coupon codes.

Article Link: Apple Card Gains Advanced Fraud Protection in iOS 15
 
Article Link
https://www.macrumors.com/2021/09/20/apple-card-ios-15-advanced-fraud-protection/
I guess every little bit helps but I've disputed charges on my CC and they were all removed.
I also have notifications set up if a penny or more is charged so I can try and catch it any fraud charges early
 
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The US always seems behind credit card technology, for almost a decade now I've been able to have a virtual credit card on my issuer's app (tied to my physical card) that changes CVV every time I make a purchase. The virtual credit card can be turned off / back on with a tap at any moment, so you're not exposed to any type of charge unless you turn it back on, and you can cancel the card and generate a new one altogether on the fly as well.

Giving your physical, not easy changeable credit card number to a merchant sounds very unsafe and ancient, giving your permanent, not changing CVV sounds even worse, I guess it's good that Apple has this now.
 
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apparatchik said:
The US always seems behind credit card technology, for almost a decade now I've been able to have a virtual credit card on my issuer's app (tied to my physical card) that changes CVV every time I make a purchase. The virtual credit card can be turned off / back on with a tap at any moment, so you're not exposed to any type of charge unless you turn it back on, and you can cancel the card and generate a new one altogether on the fly as well.

Giving your physical, not easy changeable credit card number to a merchant sounds very unsafe and ancient, giving your permanent, not changing CVV sounds even worse, I guess it's good that Apple has this now.
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I’ve done this with my citi card for several years in the US. Some cards have it.
 
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_Spinn_ said:
So does this mess with websites that have your credit card saved? I’m thinking places like Amazon and PayPal?
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this change is HUGE!
Sites that save your credit card day should NEVER keep your CC security verification code. Not EVER!

if you have some sites that do this immediately remove your card! Request a new CC!!

with just in the past 3-5yrs with so many sites been breached and personal data - especially personal financial data being KING - you shouldn’t allow this.

I have had this feature with my pre-paid Visa Platinum card on MOGO in Canada. I can change the security code anytime I want directly in the app. Since I use prepaid visa that is recognized as FULL Visa card I limit the amount available with deposits. So criminals never know what they’ll get with my card. $5 today $0 all next month maybe $100 1 day thereafter for 2hrs. That’s the point.
 
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The idea that you have to go into settings and turn on fraud protection is insane. It’s completely against how banks should work, let alone how “just works” Apple should work.

Better solutions already exist.

With my non-Apple card any large purchases pop up a notification on my phone to confirm.

Smaller purchases don’t need confirmation but show a notification.

Nothing leaves my account without me knowing within seconds.
 
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apparatchik said:
The US always seems behind credit card technology, for almost a decade now I've been able to have a virtual credit card on my issuer's app (tied to my physical card) that changes CVV every time I make a purchase. The virtual credit card can be turned off / back on with a tap at any moment, so you're not exposed to any type of charge unless you turn it back on, and you can cancel the card and generate a new one altogether on the fly as well.

Giving your physical, not easy changeable credit card number to a merchant sounds very unsafe and ancient, giving your permanent, not changing CVV sounds even worse, I guess it's good that Apple has this now.
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You can do that here. Where the US is behind is, half the gas pumps have really jank credit card readers, and lots of stores don't do NFC payments (not that I care about this one).
 
_Spinn_ said:
So does this mess with websites that have your credit card saved? I’m thinking places like Amazon
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cmaier said:
No. Retailers are not allowed to save the code, so they only use it when initially verifying the card.
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Plus I can't recall Amazon ever asking me for a CVV when giving it credit card info. Amazon must have enough confidence in its other fraud avoidance measures to forgo CVVs.
 
TravelsInBlue said:
So advanced it prevents you from preordering the iPhone.
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Well that was just Apple’s Excessive Reward Protection kicking in. Can’t have Apple losing out on millions of customers saving tens of dollars per thousand dollar purchases.

Rest assured the Apple cards will be completely functional again once the preorder hype dies down.
 
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Who cares about this BS Card? Freaking Gimmick! Why isnt apple producing any new relevant product ? instead they are so focused on these gimmicky things to sell gimmick using Apple brand power. Valve is now working on a new generation of Consoles to compete with XBOX in the living room , Steam deck already seems great. Apple has forgotten what their true strength is instead of working on relevant Industries producing consumer electronics they are direction less and are producing nonsense this wont last long. Apple would be back to Mid 2000's level if they dont produce any new hardware. Latest iPhone is an incremental update and a disaster.
 
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duanepatrick said:
This is indeed a good feature! I wonder if others will follow.
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Nope. Others are already way ahead. For example, my bank already allows me to create an infinite number of single use cards to use for online purchases. Except I don’t even bother because the default fraud protection already vastly exceeds what Apple is proposing.
 
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cmaier said:
No. Retailers are not allowed to save the code, so they only use it when initially verifying the card.
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That's true, but in some ways it's a simplification. The retailers aren't allowed to save it, but many people might have some kind of a wallet app or browser plug in that saves it. For those people, this would be a nuisance.
 
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gco212 said:
That's true, but in some ways it's a simplification. The retailers aren't allowed to save it, but many people might have some kind of a wallet app or browser plug in that saves it. For those people, this would be a nuisance.
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Yes, but people shouldn’t do that. The whole point of the CVC is that it is supposed to be only on the physical card or in your mind. If you save it with the credit card number in an app, you are risking losing everything that is needed.
 
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davidako said:
Well that was just Apple’s Excessive Reward Protection kicking in. Can’t have Apple losing out on millions of customers saving tens of dollars per thousand dollar purchases.

Rest assured the Apple cards will be completely functional again once the preorder hype dies down.
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You know what… I’ll subscribe to that theory.

Damn, that’s a good one…
 
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