Fraud Protection
What if I use Apple Pay to make a deposit on an item from a private seller who in the end keeps my money and doesn’t give me the item?
iPhone 6s Plus
then you go here - How to avoid scams when using Apple Pay to send and receive money - Apple Support
There are always going to "what if" questions. At some point you will have to make an educated decision for what is best for you. If you have doubt, don't do it.