I believe Google Wallet does the same. The virtual card is also set up in such a way that it can only be used to make purchases through Apple Pay. Which makes

I believe Google Wallet does the same. The virtual card is also set up in such a way that it can only be used to make purchases through Apple Pay. Which makes it, unlike regular (American) credit cards, a 2-factor authentication system: Something you have (phone) and something you are (fingerprint or face). That's a big part of why I use Apple Pay when it's available; it gives me a fair bit more protection against credit card fraud.