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Random Apple Pay Charges Affecting iPhone Users in Hungary
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the Macrumors article title, and, the statement from Hungarian bank (quoted in the Macrumors article) are not consistent with each other.
macrumors uses the term " apple Pay",
the bank says its "Apple app store".
these two things can be related, but can also be totally separate from each other.
the card (payment method) you have on file and associated with your apple ID (apple account), can use a separate payment authorisation process (ie, regular credit card not in your apple wallet).
you can use apple pay to pay for app store things, but the app store allows for other types of payments as well.
in any event, the bank does not mention apple pay. the bank says its an apple app store problem.
if it were an apple pay thing, we ALL should be worried.
apple app stores are all regional specific.
macrumors uses the term " apple Pay",
the bank says its "Apple app store".
these two things can be related, but can also be totally separate from each other.
the card (payment method) you have on file and associated with your apple ID (apple account), can use a separate payment authorisation process (ie, regular credit card not in your apple wallet).
you can use apple pay to pay for app store things, but the app store allows for other types of payments as well.
in any event, the bank does not mention apple pay. the bank says its an apple app store problem.
if it were an apple pay thing, we ALL should be worried.
apple app stores are all regional specific.
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Even after seven years using iPhones, it still complains about my "unfinished" account, because there is no credit card information and even suggests, the account is incomplete without credit card information. Maybe they finally get it, why i would never give *any* phone this information...
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Wow, this sucks, I feel their pain, especially if you’re on a tight budget. It’s a bad look. That said, nothing is infallible, happens to every payment system through some means or another, at some point in time. Hopefully this is remedied quickly and the issue addressed, and the whole system tightened up more. I don’t think one incident relatively isolated is enough to slam Apple Pay… provided its a rare incident and not a pattern.
My understanding is that the charges from the App Store were charged via Apple Pay. When I purchase from the iTunes and App stores, it uses Apple Pay for the transaction. I don’t think it’s inconsistent, though thats assuming I’m understanding correctly.
My understanding is that the charges from the App Store were charged via Apple Pay. When I purchase from the iTunes and App stores, it uses Apple Pay for the transaction. I don’t think it’s inconsistent, though thats assuming I’m understanding correctly.
I agree with you and believe that you're right.
I like how people on this site were: "I don't need that customisation that Android has. It's like for children. Why would I want to customise my Home Screen and Lock Screen?" and now everybody's excited about it because it's coming in iOS 18.
First deleted photos now deleted subscriptions nothing to see here move along 😱
Is this like when photos got restored to users devices after being wiped and sold? Or it’s actually real?
Can you clarify what you mean by “subscription”? Is this a subscription for an iOS app? That you purchase via the App?
I ask because the article headline says “Apple Pay”, but the statement from the bank says Apple App Store. Two very different things.
It is a subscription (that is already cancelled), but the card is no longer registered as an App Store payment method, only in Apple Pay.
Yes, thank you. The bank is clearly not talking about Apple Pay. I’d forgive some random non-tech journalist for not understanding the difference, but I’m surprised at Macrumors.
The App Store making erroneous charges is bad, but a merchant accidentally charging people again with a card on file is not unheard of. It’s bad, but it happens occasionally.
A payment system like Apple Pay making erroneous or duplicate transactions is a much bigger deal.
It's probably cards registered into app store, I have multiple cards in apple pay and only the one registered to the store was affected. Charged icloud drive twice and apple music once before I froze it.
Me too.
Charged unsubscribed apple music, and icloud storage second time in a month.
This is not an apple pay problem, instead app store makes incorrect charges.
(In EU it is mandatory to use two factor authentication for any credit/debit card transaction over the internet. Unfortunately it is allowed for big companies (apple, amazon, etc) to make this authentication only one time, when registering the card.)
Charged unsubscribed apple music, and icloud storage second time in a month.
This is not an apple pay problem, instead app store makes incorrect charges.
(In EU it is mandatory to use two factor authentication for any credit/debit card transaction over the internet. Unfortunately it is allowed for big companies (apple, amazon, etc) to make this authentication only one time, when registering the card.)
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Yepp, it's cards registered to the store, but my charges were the sums I pay for icloud drive and apple music. It seems the store randomly charges again previous purchases.
exactly.
the way you are thinking is the way that apple pay is used.
meaning: actual biometric authentication is needed "every time" that apple pay is used to pay for something.
at least, that is the way i was thinking.
but.
in the case of paying for things bought in the apple app store, you are able to use a variety of payment ways, including, apple pay.
my app store charges are made against a non-apple pay card.but, i think the authorisation process uses what is frequently referred to as "apple pay"; meaning by using biometric authorisation i am saying to apple go ahead and charge my (non-apple pay) card.
when you make some kind of subscription type of purchase, your biometric authorisation is required.
Face ID or Touch ID is saying: hey, it's me. i authorise you to charge my card for x amount over y times in the future.
in all cases related to this event, people have all said that at some point in the past, that app or service was actually bought by the person. but, they have been repeatedly charged for that app or service even though they terminated the service.
its an app store problem. not the payment authorisation process problem.
if apple did ever allow transactions through apple pay without their actual biometric approval it would defeat the purpose of the "secure enclave" that is the heart of apple pay.
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European side loading at its best. Thanks Eurocrats.
Hungarian here.
This issue is absolutely not related to Apple Pay in any way. The initial reporting was done by local journalists who don't know the difference between Apple Pay and the iTunes/App Store ecosystem. MacRumors should know better.
What actually happened is that some users (including myself) received random charges on the card linked to their Apple Account used for App Store purchases, Music or TV+ subscriptions, etc. In my case, this credit card is not even added to Apple Pay.
This issue is absolutely not related to Apple Pay in any way. The initial reporting was done by local journalists who don't know the difference between Apple Pay and the iTunes/App Store ecosystem. MacRumors should know better.
What actually happened is that some users (including myself) received random charges on the card linked to their Apple Account used for App Store purchases, Music or TV+ subscriptions, etc. In my case, this credit card is not even added to Apple Pay.
What is your registered payment method on Netflix (in-app purchase or direct debit/credit card)? Because Netflix did not support Apple Pay.
Most EU iphone users won't use ever side loading or alternative app stores. Most phone has some bank application installed. Who want to compromise such phones with some crap app from alternative stores?
EU credit card usage (theoretically) is safer than the rest of the word.
2nd factor (biometric) authentication is "mandatory".
The problem is how to authenticate a subscription charge, when apple happy to charge you at 3am? You won't wake up to authenticate. To solve this apple request a "token" from the bank when you register your card, you authenticate the token (it appears as a 0$ charge). This token is valid till card expiration, and there is no need biometric authentication for subsequent transactions. I think this token thing is bad, and should be eliminated by the law.