Is Apple Pay really safe?

apple pay

Maybe you’re a dinosaur like me and you have a hard time trusting new technology when it first becomes widely available. I am hesitant to give my card details to anyone, refusing to buy things from websites I don’t know or haven’t researched thoroughly. So, as you can imagine, when Apple Pay was first bought to the market I thought everyone had gone mad.

shopping online

This isn’t a reflection on Apple or the amount I trust my iPhone, I even refused to get the online banking app until 2017.

When I got a new iPhone and I saw the ‘Wallet’ section, I was naturally suspicious. What happens if I lose my phone? Can anyone just go swiping left and right with it, paying for anything and everything using my hard-earned cash?

apple wallet

Surely people can’t be stupid enough to sign up for Apple Pay if it is that easy to get robbed.

I decided to do some digging.

As it turns out, your real card number is never stored on your device at all. It is also never shared with companies that you make a payment to. Apple also don’t store these details on their servers, making the information almost impossible to steal.

bank card

When you choose to make a payment using Apple Pay, your Apple Pay account number and a specially generated security code are used to process the payment. This code can only be decrypted by your bank. This is safer than paying using your card where your details can be seen by the merchant.


The most important thing to remember when setting up Apple Pay is that the passcode to unlock your iPhone should be completely private. This passcode will be needed to access Apple Pay, so if you don’t give it out, thieves can’t get in. Use Touch ID to authorize payments, your fingerprint is something that thieves cannot steal without you noticing (ouch).

apple finger print

Take your debit card out of your purse/wallet. Look at the little contactless icon next to the chip on your card. This icon isn’t great for security. If a thief runs off with your card, they can charge anything to your card up to £30 (over and over again). Eventually, the card will ask for a pin code (but the thief could have stolen hundreds of pounds before then).

card theif

As it turns out, there are ways to disable Apple Pay if you ever lose your phone. Reducing the risk even further. The best part? You won’t even have to wait for your bank to sort it out.

You can log in to the ‘Find My Phone’ service using iCloud and put your phone into “Lost Mode”. When “Lost Mode” is activated, Apple Pay is suspended until you have reclaimed your device. Be sure to enter a message on the screen using ‘Find My Phone’ to improve your chances of getting your phone back.

find my phone

If your phone is gone for good you can use ‘Find My Phone’ to remotely erase all of your personal information.

Here is the link to help you access the information you need if your phone ever does do a disappearing act:

apple pay

I don’t know about you, but I think I am going to give Apple Pay a chance. I can’t live in the past forever!

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