> What makes Apple Pay significantly more secure in practice is that issuers can limit the device-specific card number to be only usable with a chip cryptogram,

> What makes Apple Pay significantly more secure in practice is that issuers can limit the device-specific card number to be only usable with a chip cryptogram, and not e.g. by manually typing it in on a website. That's sort of true for non 3DS enabled cards. For 3DS enabled cards, you need a second factor for most transactions on the internet.