So this is a lot more secure than taking out your physical card at the counter. It only sends the device account number and a dynamic security code to complete the transaction. When you make a payment using Apple Pay, your device is not sharing the card number with the merchant. Apple Pay only keeps a small portion of your card number and if you want to use it on your Mac, iPad or Apple Watch, you’ll have to add them individually with verification required. After a card is approved, the card issuer will create a device-specific Device Account Number, and it is encrypted and stored on the iPhone’s secure element. How safe is Apple Pay?Īccording to Apple, they do not store your full card details on the server, iCloud or on the device itself. To set one as default, just hold and drag the card to the front in the Apple Wallet app. You can add multiple cards to your Apple Wallet. Another verification process is required for each device that you have. To use Apple Pay on your Apple Watch, you’ll have to add them again via the Watch app under Wallet. You will need to perform a verification which can be done via SMS OTP or through a phone call. Just launch the Apple Wallet app, tap on the plus (+) button in the top right corner, and follow the instructions. To use Apple Pay, you will need to add your payment card in the Wallet app on your iPhone.

Samsung pay v apple pay