I've been using Apple Pay for a long time now and love it, specifically what appeals to me as is the 'additional security' Apple promises: "the Secure Element provides your Device Account Number and a transaction-specific dynamic security code. This information is sent along with additional information needed to complete the transaction to the store’s point of sale terminal. Neither Apple nor your device sends your credit or debit card number. Before they approve the payment, your bank or payment network can verify your payment information by checking the dynamic security code to make sure it’s unique and that it’s tied to your device." Does anyone know then how it's possible for TFL to track your Apple Pay tube journeys to account linked to your debit card details if your card details are never sent by Apple? Is the bank sending the card details to TFL? Just interested to know here at what point the Apple Pay transaction and actual card details are linked up? After all Apple themselves say the following: "Apple Pay is also designed to protect your personal information. Apple Pay doesn't collect any transaction information that can be tied back to you. Payment transactions are between you, the merchant (or developer for payments made within apps and websites), and your bank."