Understanding Apple Pay

dglenn9000

macrumors member
Original poster
Sep 23, 2007
39
1
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.
 

matttye

macrumors 601
Mar 25, 2009
4,953
30
Lincoln, England
When you add your credit card you have to verify it with your credit card company.
I'm not sure but I think that this may depend on what the individual company's security procedures are.

With mine at least, I had to enter several characters of my password which I have to do whenever I use my credit card on any new service.
 

iphonedude2008

macrumors 65816
Nov 7, 2009
1,134
442
Irvine, CA
I'm not sure but I think that this may depend on what the individual company's security procedures are.

With mine at least, I had to enter several characters of my password which I have to do whenever I use my credit card on any new service.
Yeah they vary. A few months ago, Capital One 360 had no security at all. Now they do. The point being it is up to the issuer how secure they want your money to be.
 

andyw715

macrumors 65816
Oct 25, 2013
1,028
351
For PNC bank, once you add the card to Wallet you have 2 choices.
- Call the bank and verify authorization with a representative
- Use the PNC app, log in to your account and verify.
 

gsmornot

macrumors 68040
Sep 29, 2014
3,073
2,471
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.
I feel safe in saying that if someone takes your physical card one of the last things they will do with it is add it to their Apple Pay. I have had my cards added since day one and I'm still waiting for more places to offer the service. The plastic card on the other hand, can be used everywhere. Your bank may have a level of security in place to stop this but really, until its more available, it is its own level of security. :)
 

JoeTomasone

macrumors 6502a
Aug 8, 2014
513
78
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.
It likely depends on the issuing bank. I was able to add a card in my name to my wife's iPhone/Apple Pay, and she is not an authorized user. The bank may have seen the same last name and approved it; I don't know.