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Apple Pay - adding someone elses card

C

chadsteruw

macrumors member
Original poster
Jul 14, 2007
86
10
Seattle, WA
Tried searching around for this, but couldn't find anything. Seems a bit flawed that someone else's credit card can be added to Apple Pay.

Thinking of this scenario - you go to a restaurant and pay the bill the "old fashioned way with a card, waiter/waitress walks away with your credit card. They are in the back, take a snapshot of your credit card and enter the pertinent information and bam, your credit card is on their phone for them to use.

I suppose this isn't any different without Apple Pay - waiter can write down the card number and use it online.
Some banks send notifications when Apple Pay is activated for a card (Chase did not, but BofA and Citi did, for me)

Question I have - are banks able to disable the activated card? Will they have to issue a new card that you would then need to reactivate?

I'm totally excited about the service and have already used it a Walgreen's - but just thinking outloud with this one.;)
 
chadsteruw said:
Tried searching around for this, but couldn't find anything. Seems a bit flawed that someone else's credit card can be added to Apple Pay.

Thinking of this scenario - you go to a restaurant and pay the bill the "old fashioned way with a card, waiter/waitress walks away with your credit card. They are in the back, take a snapshot of your credit card and enter the pertinent information and bam, your credit card is on their phone for them to use.

I suppose this isn't any different without Apple Pay - waiter can write down the card number and use it online.
Some banks send notifications when Apple Pay is activated for a card (Chase did not, but BofA and Citi did, for me)

Question I have - are banks able to disable the activated card? Will they have to issue a new card that you would then need to reactivate?

I'm totally excited about the service and have already used it a Walgreen's - but just thinking outloud with this one.;)
Click to expand...

No. The bank will likely require additional verification steps. Also, Chase (unbeknownst to you) verified behind the scenes based on information that goes to the bank from your phone at the time you add the card.

And, at the end of the day, you are not liable for fraudulent charges. And what crook would use their own device which directly ties them to the fraud?
 
Given you need to add billing address to the card, I don't think it'll work like that. As it's being setup, verification is done by the issuing bank.

I'm guessing there are checks to stop something like this.

At any rate, whenever I added my cards I got a notification by email.
 
eelw said:
Lol. You'll never know with the stupidity of some people.
Click to expand...

Locally we had a crook who robbed a bank by handing a note that he was armed and pointing his "gun" that was in his coat pocket at the teller.

He used a bank deposit slip from his checkbook and he was really unarmed.

He is current serving prison time for ARMED robbery.

Stupidity is how most crooks get caught!
 
Of all the cards I added, I received an email from the bank (Amex, Chase, Citi) confirming that I added the card(s) to Apple Pay. If I receive an email and didn't add the card, I would definitely call the bank and have the # cancelled.
 
I added several cards and each one required me to verify in some manner. There's no way someone is picking up my card and adding it to their own phone successfully without going through a validation process. And even for cards that were added immediately, if it's already attached to a phone, you will have to verify additional information to add to a second phone.

It's a non-issue.
 
Chase sent an email to the address associated with my card. I then had to add the code contained in the email to Apple pay setup before it could be activated. That seems pretty secure to me....
 
chadsteruw said:
Tried searching around for this, but couldn't find anything. Seems a bit flawed that someone else's credit card can be added to Apple Pay.

Thinking of this scenario - you go to a restaurant and pay the bill the "old fashioned way with a card, waiter/waitress walks away with your credit card. They are in the back, take a snapshot of your credit card and enter the pertinent information and bam, your credit card is on their phone for them to use.

I suppose this isn't any different without Apple Pay - waiter can write down the card number and use it online.
Some banks send notifications when Apple Pay is activated for a card (Chase did not, but BofA and Citi did, for me)

Question I have - are banks able to disable the activated card? Will they have to issue a new card that you would then need to reactivate?

I'm totally excited about the service and have already used it a Walgreen's - but just thinking outloud with this one.;)
Click to expand...
No, Apple Pay requires you input your billing information which they will not know.
 
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