Apple Pay - adding someone elses card

chadsteruw

macrumors member
Original poster
Jul 14, 2007
83
7
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.;)
 

caesarp

macrumors 6502a
Sep 30, 2012
964
387
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.;)
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?
 

jrswizzle

macrumors 603
Aug 23, 2012
6,109
128
McKinney, TX
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.
 

philipk

macrumors 6502
Jun 11, 2008
429
182
Lol. You'll never know with the stupidity of some people.
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!
 

techiegirl

macrumors 65816
Sep 7, 2007
1,143
169
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.
 

SoloStyle

macrumors regular
Oct 17, 2011
155
10
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.
 

corlando465

macrumors member
Sep 17, 2014
80
2
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....
 

XboxMySocks

macrumors 68020
Oct 25, 2009
2,194
153
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.;)
No, Apple Pay requires you input your billing information which they will not know.