New iPhone and Apple Pay anxiety

SolidSnakeskinBelt

macrumors newbie
Original poster
Jul 5, 2017
12
5
  1. Is my credit card data that is used by Apple Pay synced with iCloud, even though it's toggled off in Settings? For some reason, I'm forced to login to iCloud to even begin adding my credit card details to the Wallet app. (I'd prefer Wallet data remain localized.)

  2. Does my credit card then become attached to my App Store account [no credit card on file, only buy physical iTunes cards]? (I simply want Apple Pay for terminals in real life shopping scenarios, not to make app purchases on my phone.)
 
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canuckRus

macrumors 6502a
May 18, 2014
567
185
  1. Is my credit card data that is used by Apple Pay synced with iCloud, even though it's toggled off in Settings? For some reason, I'm forced to login to iCloud to even begin adding my credit card details to the Wallet app. (I'd prefer Wallet data remain localized.)

  2. Does my credit card then become attached to my App Store account [no credit card on file, only buy physical iTunes cards]? (I simply want Apple Pay for terminals in real life shopping scenarios, not to make app purchases on my phone.)
Doubt it since you can have multiple cards on Apple Pay Wallet. Need to log-in to iCloud? I don't.
 
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jetsam

macrumors 6502a
Jul 28, 2015
562
308
  1. Is my credit card data that is used by Apple Pay synced with iCloud, even though it's toggled off in Settings? For some reason, I'm forced to login to iCloud to even begin adding my credit card details to the Wallet app. (I'd prefer Wallet data remain localized.)

  2. Does my credit card then become attached to my App Store account [no credit card on file, only buy physical iTunes cards]? (I simply want Apple Pay for terminals in real life shopping scenarios, not to make app purchases on my phone.)
"Apple doesn’t store or have access to the credit, debit, or prepaid card numbers you added to Apple Pay."

https://support.apple.com/en-us/HT203027
 

blindside217

macrumors regular
Mar 16, 2012
155
55
I believe the reason that Apple Pay requires iCloud is so you can remotely remove your cards from the iPhone if it is lost or stolen. When you log in to iCloud.com, it shows your devices that have Apple Pay enabled and you can remotely remove the cards if you need to. Also the Apple Pay cards are in no way related to your iTunes or App Store accounts. You can’t even use the Apple Pay cards for purchases if you want to.
 

SolidSnakeskinBelt

macrumors newbie
Original poster
Jul 5, 2017
12
5
Thanks, guys.

What about this bit here?

Apple decrypts the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network (or any providers authorized by your card issuer for provisioning and token services) can unlock. Then it sends the encrypted data, along with other information about your iTunes and App Store account activity (such as whether you have a long history of transactions within iTunes), information about your device (such as phone number, name, and model of your device, plus any companion iOS device necessary to set up Apple Pay), information about your device usage (such as percent of time device is in motion), as well as your location at the time that you add your credit, debit, or prepaid card (if you have Location Services enabled) to your bank.

By enabling Apple Pay, I'm giving Apple permission to send my list of downloaded apps and media to my bank along with basically every identifying bit of info about my iPhone, just for the privilege of using my credit card in a different way? Is that really necessary???

I thought Apple gave a damn about users' privacy.
 
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Mlrollin91

macrumors G5
Nov 20, 2008
13,533
9,081
Ventura County
Thanks, guys.

What about this bit here?

Apple decrypts the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network (or any providers authorized by your card issuer for provisioning and token services) can unlock. Then it sends the encrypted data, along with other information about your iTunes and App Store account activity (such as whether you have a long history of transactions within iTunes), information about your device (such as phone number, name, and model of your device, plus any companion iOS device necessary to set up Apple Pay), information about your device usage (such as percent of time device is in motion), as well as your location at the time that you add your credit, debit, or prepaid card (if you have Location Services enabled) to your bank.

By enabling Apple Pay, I'm giving Apple permission to send my list of downloaded apps and media to my bank along with basically every identifying bit of info about my iPhone, just for the privilege of using my credit card in a different way? Is that really necessary???

I thought Apple gave a damn about users' privacy.
Why don't you contact Apple and ask for yourself. If that information is required, then there is obviously a reason why.
 
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SolidSnakeskinBelt

macrumors newbie
Original poster
Jul 5, 2017
12
5
The low level CS grunts are unable to tell me why. This community at large is more tech savvy than the high school educated peeps Apple hires to man their phone lines.
 
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Newtons Apple

Suspended
Mar 12, 2014
22,759
15,220
Jacksonville, Florida
What ever Information that Apple does not collect, the credit card companies do. The problem with using any of these systems is they are keeping information for their marketing purposes. Not much you can do as you sign away your privacy rights when you accept the card. Cash is the only way but our government and the credit card companies are wanting to eleiminate cash in the near future.
 

SolidSnakeskinBelt

macrumors newbie
Original poster
Jul 5, 2017
12
5
But how are movies, shows, and music downloaded from iTunes and App Store app downloads at all relevant to using one's credit card? Why would Apple give that to my credit card issuer on a silver platter? Just dumb.
 

Mlrollin91

macrumors G5
Nov 20, 2008
13,533
9,081
Ventura County
But how are movies, shows, and music downloaded from iTunes and App Store app downloads at all relevant to using one's credit card? Why would Apple give that to my credit card issuer on a silver platter? Just dumb.
Can you tell me how in any way, shape or form it affects you? Who cares what movies, songs and apps you download. Its no different than what Brian said above. CC companies know everything about you already.
 

mk313

macrumors 6502a
Feb 6, 2012
983
401
It really sounds like Apple Pay isn't for you. I have it on my phone & watch & it's convenient to use occasionally, but not a lot of places around here take it & if you're going through a drive through, it doesn't seem like you can use it at places like McDonald's or whatever. It is convenient as a backup payment device, but in real life I find myself using my debit card way more often than Apple pay. As with everything there are trade-offs. I don't know why Apple put in the wording that they did, but who knows maybe it's what the banks forced them to do in order to sign on to the project. If you're not comfortable with apple passing along your info to the bank, then just don't set it up. In my experience, you really won't miss much.
 

Applejuiced

macrumors Westmere
Apr 16, 2008
40,672
6,532
At the iPhone hacks section.
I been using Apple Pay for years and it's a lot safer than giving the merchant your real credit card number when shopping.
In case there is a hack like the Target or Home Depot breaches for example the Apple Pay number used for NFC payments would be useless to the thieves.
its an added layer of security, that's how I see it and easier to use.
 

BrianBaughn

macrumors 604
Feb 13, 2011
6,894
1,137
Baltimore, Maryland
If there's an issue with an Apple Pay purchase you don't call Apple...you call your credit card company. Therefore, they have to know everything about the purchase that they would normally know if you used the card.
 
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SRLMJ23

macrumors 68020
Jul 11, 2008
2,119
1,081
Central New York
I been using Apple Pay for years and it's a lot safer than giving the merchant your real credit card number when shopping.
In case there is a hack like the Target or Home Depot breaches for example the Apple Pay number used for NFC payments would be useless to the thieves.
its an added layer of security, that's how I see it and easier to use.

I agree completely. I feel much safer using Apple Pay wherever/whenever it is available because of the added security benefit and the ease of use.

To the OP: Your credit card company/bank knows everything you do anyway so I do not see why you would not want the added security benefit of Apple Pay? To each his own though!

:apple:
 
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MDMachiavelli

macrumors regular
Mar 14, 2015
135
134
1,000 Mil From Nowhere
I'm not really sure this is even a privacy issue, plus you get the added benefit of not even having to pull your card out of your wallet.

The compromise in privacy with my card company is well worth the added privacy and protection I have using Apple Pay with the person conducting my transaction.

I just can't believe more people don't see this and have the same philosophy.
 
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BigMcGuire

Contributor
Jan 10, 2012
5,415
6,773
California
I'm not really sure this is even a privacy issue, plus you get the added benefit of not even having to pull your card out of your wallet.

The compromise in privacy with my card company is well worth the added privacy and protection I have using Apple Pay with the person conducting my transaction.

I just can't believe more people don't see this and have the same philosophy.
This. I've been using credit cards for awhile. I've had my fair share of stolen CCs just from using cards at restaurants where they take your card off to who knows where to copy it or what not. Doesn't happen with Apple Pay. Knowing what is charged the INSTANT it is charged is AMAZING.
 
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ImBuz

macrumors 6502
Oct 23, 2014
309
233
California
I love Apple pay--use it whenever and where ever I can--I also have all my cards on alert for spending amounts (most all CC issuers have this feature)-so I get instant notice whenever a CC purchase is made.
 

Newtons Apple

Suspended
Mar 12, 2014
22,759
15,220
Jacksonville, Florida
But how are movies, shows, and music downloaded from iTunes and App Store app downloads at all relevant to using one's credit card? Why would Apple give that to my credit card issuer on a silver platter? Just dumb.

You might think it is "dumb" but it is worth money to the people collecting the data. You data is not secure and your financial and health data is out there to be seen by who ever has a need. If our government can not protect their OWN personal data, just imagine how hard they are working to protect ours!:(
 
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