I’m afraid so...that Apple Pay transaction is being tracked by the retailer and the card provider who you are, where you are, and what you were paying for. Cash, harder, but every time you get the cash from the ATM, who, where when and how much....
Retailer only sees the token issued by the Apple Pay device, so unless they have a way to tie this to you they dont know who you are. Its not like a credit card being linked to your name and them cross compiling a data base where they know your name is tied to that card.
Or maybe im missing something?