4 ms·To reduce fraud?by harigov 10y agoTo reduce fraud?aianus 10y agoHow does that help me? Are the merchants going to give me a discount for using Apple Pay instead of my credit card? I'm already not liable for fraud.mhurron 10y agoYou know, no one is making you use it, if you don't like it, don't use it. Also, there is more to credit card fraud than just that credit card being drained.drcongo 10y agoApple Pay is backed by your credit card.