I would also think the risk is pretty high. Unless you’re very careful, your phone (i.e. Apple) has your identity, so if you add stolen credit cards to Apple P

I would also think the risk is pretty high. Unless you’re very careful, your phone (i.e. Apple) has your identity, so if you add stolen credit cards to Apple Pay, and those cards are flagged as stolen, it should be possible to figure out who tried to use them. It also seems like a simple one-time password sent to the mobile phone number that the bank has on record, as a mandatory step when adding a credit card to Apple Pay, would effectively make it impossible to add stolen credit cards. The article makes it sound like it’s up to the bank to accept or deny a credit card, once added, so I would assume the bank can do this even without cooperation from Apple.