NFC is an industry-standard, contactless technology that’s designed to work only across short distances. When you use Apple Pay in stores that accept contactless payments, Apple Pay uses Near Field Communication (NFC) technology between your device and the payment terminal. Learn more about how iCloud stores and protects your data. You can disable iCloud support on your device by going to Settings > iCloud and turning off Wallet. In addition, iCloud secures your Wallet data-like passes and transaction information-by encrypting it when it's sent over the Internet and storing it in an encrypted format when it's kept on Apple’s servers. Your cards are associated with your Apple ID to help you add and manage your cards across your devices. Apple Pay stores only a portion of your actual card numbers and a portion of your Device Account Numbers, along with a card description. The Device Account Number in the Secure Element is isolated from iOS, watchOS, and macOS, is never stored on Apple servers, and is never backed up to iCloud.Īpple doesn’t store or have access to the original card numbers of credit, debit, or prepaid cards that you add to Apple Pay. Unlike with usual credit or debit card numbers, the card issuer can prevent its use on a magnetic stripe card, over the phone, or on websites. The Device Account Number can’t be decrypted by Apple but is stored in the Secure Element-an industry-standard, certified chip designed to store your payment information safely-on your device. Information may also be provided by Apple to your card issuer, payment network, or any providers authorized by your card issuer to enable Apple Pay, to determine the eligibility of your card, to set up your card with Apple Pay, and to prevent fraud.Īfter your card is approved, your bank, your bank’s authorized service provider, or your card issuer creates a device-specific Device Account Number, encrypts it, and sends it along with other data (such as the key used to generate dynamic security codes that are unique to each transaction) to Apple. Information that you provide about your card, whether certain device settings are enabled, and device use patterns-such as the percent of time the device is in motion and the approximate number of calls you make per week-may be sent to Apple to determine your eligibility to enable Apple Pay. If you use the camera to enter the card information, the information is never saved on your device or photo library.Īpple decrypts the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network (or any providers authorized by your card issuer for provisioning and token services) can unlock. When you add a credit, debit, prepaid, or transit card (where available) to Apple Pay, information that you enter on your device is encrypted and sent to Apple servers. And when you use Apple Pay with credit, debit, or prepaid cards, Apple doesn't retain any transaction information that can be tied back to you-your transactions stay between you, the merchant or developer, and your bank or card issuer. Apple doesn’t store or have access to the original credit, debit, or prepaid card numbers that you use with Apple Pay. You can use a simple passcode, or you can set a more complex passcode for even greater security.Īpple Pay is also designed to protect your personal information. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID.
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Apple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit, and prepaid cards.Īpple Pay uses security features built-in to the hardware and software of your device to help protect your transactions. And with contactless rewards cards in Wallet, you can receive and redeem rewards when paying with Apple Pay. You can also send and receive money with friends and family using Apple Pay in Messages (U.S. Apple Pay allows you to make easy, secure, and private transactions in stores, in apps, and on the web.
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