The store review process can only achieve so much, it also has no control over the backend. Apple Pay is fully integrated with the banks and issuers you get a

The store review process can only achieve so much, it also has no control over the backend. Apple Pay is fully integrated with the banks and issuers you get a notification form your bank when you add a card and you can revoke it without going through Apple if your phone is lost. You also are assured that your card details are never exposed because Apple does not use the PAN for billing, and it also does not expose your billing/shipping information without your acknowledgment and consent when used to purchase items on Apple Pay enabled services.