So I experienced something recently and thought it will be good to share with you all. I lost my credit card a couple of days ago and have since blocked the card and ordered a replacement. All existing services using that card stopped working automatically, as expected & I kept on receiving various payment failure messages. Amazingly, Apple Pay continued to work and I've used it multiple times since blocking the card. Having thought through it I think I understand why this is the case. In my opinion the reason being as simple as not using the actual card details for the Apple Pay transactions. Essentially, when the transaction token is created and sent to the merchant and the merchant tries to verify with the bank, it all checks out because the physical card details doesn't come into picture. This is of course why Apple Pay is always a more secure option of payment over direct card transactions. I'm just wondering if this is the correct implementation of this technology or should Apple Pay stop working as well when a card is reported to be lost or stolen?!