The fraudulent purchases were declined thankfully (they were both around only $10). But according to my bank, they weren’t declined because they were thought to be fraud; they were declined because of an error in the way the card was trying to be used. The bank person suggested maybe someone was trying to set my card up with their Apple Pay. He didn’t sound sure. I don’t understand what the criminal was trying to do, and why it sent notifications to my Wallet app (though I’m glad it did so that I could take care of the issue quickly). I’m getting my card replaced, but this is very confusing and concerning. The bigger question here is obviously, is Apple Pay somehow susceptible? Has anyone had the same experience or know what’s going on here?