If you use the camera to enter the card information, the information is never saved on your device or photo library.Īpple 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. When you add a credit, debit, prepaid, or transit card (where available) to Apple Pay, information that you enter on your device is encrypted and sent to Apple servers.

Your transactions stay between you, the merchant or developer, and your bank or card issuer. And when you use Apple Pay with credit, debit, or prepaid cards, Apple doesn't retain any transaction information that can be tied back to you. Apple doesn’t store or have access to the original credit, debit, or prepaid card numbers that you use with Apple Pay. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID.Īpple Pay is also designed to protect your personal information. Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions. And with contactless rewards cards in Wallet, you can receive and redeem rewards when you pay using Apple Pay.Īpple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit, and prepaid cards. You can also send and receive money with friends and family using Apple Cash (U.S. Apple Pay allows you to make easy, secure, and private transactions in stores, in apps, and on the web.

Samsung pay v apple pay