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AFAIK 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
by tomashubelbauer 7y ago
AFAIK 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.