So I have yet to have a chance to use apple. I did add a credit card and it seemed pretty easy to do. It seems from what I have read no ID is required (in most places), just tap and go. Your thumbprint to access the phone appears to be the security check for use of the card but my question is, what is to stop someone from getting someone else's credit card and adding it to their Apple Pay? What measures prevent this. Does the CC name used have to match the iCloud account or something.