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So you still need a payment card? Most payment cards can do this without a phone, you just touch the screen with the card.
by Moru 7y ago
So you still need a payment card? Most payment cards can do this without a phone, you just touch the screen with the card.
- tomashubelbauer 7y agoAFAIK Apple ID doesn't expose your actual card number, so using it over a card has two benefits: 1) no need to grab a card from the wallet, just tap the phone I probably already have in hand 2) privacy
- jeremyjh 7y agoIt may not expose it to the employee at the register, but the card number (actually, there are two numbers) is still sent to their merchant bank.
- dstaley 7y agoI don't think this is accurate. I'm fairly sure Apple Pay uses tokenization, so the merchant/merchant bank never sees the actual card details. The only party in the transaction who knows the actual card details is the issuing bank.
- deleted 7y ago[deleted]
- jeremyjh 7y agoYou are right, I was mistaken. The DPAN is the tokenized card number, and that is the only account number an acquirer will have. My experience seeing both in the auth system log was from the issuer side.
- jeremyjh 7y agoYou need a payment card and it still clears through Visa/Mastercard just like any other credit or debit card. In the US we don't have contact-less payment cards though, you have to insert the chip.
- jaywalk 7y ago> In the US we don't have contact-less payment cards though Oh? https://creditcards.chase.com/contactless-credit-cards https://creditcards.chase.com/contactless-credit-cards
- frockington1 7y agoChase has had contact-less payments for the better part of a year now. I haven't used Apply Pay since the change
- noirbot 7y agoPretty sure I've seen Amex and other Visa cards with contactless.