Can Apple Pay get hacked?

You need more information from Chase and they are being purposely vague. The primary reason is the Bank Secrecy Act. It basically a federal law that prevents them from discussing the situation. You’re welcome to believe what you want. However, my suspicion is your accounts, Apple ID and Chase are compromised. My passwords for my Apple ID and banks are over 40 characters and not recorded anywhere or in any app. I use Apple Pay almost exclusively and do hundreds of transactions a month. I’ve done this for decades, and never been compromised. Perhaps, I trust technology more than you do, because I’ve a better understand of the frameworks behind the hardware, software and see the vulnerability on a daily basis of the human factor. I leave you with one fact. Chase knows exactly how it was done and isn’t telling you.

If someone has hacked your apple pay then the problem is really with your bank. If they do automatic digital wallet updates, then that means when a new card is issued it automatically changes in your apple pay even before you get the actual card in the mail. If someone has hacked your apple pay then they get to use whatever card that is updated because of your bank. Best thing to do is close your bank account and move to a bank that doesnt do automatic digital wallet updates. Getting a new card does nothing. Im not sure if removing the card from tour apple wallet will help either but i would imagine so??

Very Interesting. What grocery store, please? We had fraudulent charges today, and your comment really intrigued me. My husband used his card at Aldi, 5 days ago, in CT (via Apple Pay, not the physical card).

Today, we were in NYC, when he got 5 notifications that his Apple Card was being charged, in different amounts (a little over two hundred, to a little over two thousand dollars). They were all listed as payments to various properties. In digging deeper, we found out that they were all luxury apartment complexes in Dallas, TX.

My husband immediately called Apple Support, and had the card frozen. They told him that the charges were under investigation.

We decided to go ahead and contact these places directly, because the other charges were still pending. We were told by an employee, at one of places listed, that they had a man, who had put in a housing application, and that they thought that he was using stolen card information, as he had used 4 different cards, and names, to pay! They reported this to the police. How did this guy get our card information, all the way across the country?

Apple Pay is an ecosystem. It is not a standalone thing or just relegated to your device. It’d be like saying the tires from Bridgestone disintegrated on my car, & the gasoline that it uses isn’t very good and so I don’t get good gas mileage. Toyota, Ford whoever, better make sure they have the right specs in their ecosystem. And everything integrates together flawlessly or The car doesn’t work right and people lose trust in the car! They don’t boycott Bridgestone! No different with Apple Pay. so it doesn’t work to simply apologize and say it has nothing to do with your Apple phone, when the ecosystem still has problems. And I understand, It’s not perfect, it does work very very well, but that doesn’t mean there aren’t problems. And that’s what people are trying to figure out.

Apple Pay is a payment service that Apple operates in over 70 countries world wide. Apple Pay is not yours and doesn’t require your authorization to complete a transaction.

Have you ever swiped that card or used the chip for a transaction or used it online without using Apple Pay? Ever, as in the last several years?

Bborz wrote:

And Apple knows your face, on your device, where you set up the card. Right?

i’m not trying to be cryptic.

No, Apple does not know your face. Your iPhone knows your face. Your biometric data remains exclusively on your device in encrypted storage on your phone’s processor chip.

Your card can be skimmed the first time you use it after getting it. Are you saying you never used this card to make any purchase from any merchant, either in person or online? Never used it in an ATM? Never used it to buy gas?

Did you read the link posted by Mac Jim ID?

That can’t happen because Apple Pay uses one time dynamic codes. The code is only good for one transaction and then dynamically changes for the next transactions. Did you swipe the card or use the chip?

My CC had some unauthorized charges, so I disputed those and I had a new card issued. As soon as I received my new card, there was another unauthorized charge. Mind you that I had not even used the card once. I disputed the charge and it was removed from Apple Pay. Received a new card. So far so good.

What do i do if my apple pay has numerous charges that are nit mine

my debit card was flagged for fraudulent use, I canceled it, and 24 hours later that same card was ADDED TO MY APPLE PAY! (Prior to that, it was not)

i find it hard to believe it was skimmed, this card is a few months old with a different CCV and card number, and was never used in POS terminals or websites, only added and used on apple pay.

Yes still waiting on resolution when I paid all of my bills July 2022 over the phone and all companies had confirmation after paying over the phone and not one received funds. Only common denominator was apple. I have never had bad credit and it’s damaged mine. I asked apple without success of a response blaming the credit union for outdated app. Not possible when I paid other bills off of the phone and were paid fine.

[Edited by Moderator]

NOT true - I had 4 fraudulent charges on my card and when I called Chase, they said all 4 charges were done on Apple Pay somewhere in India. They could not answer the question "How is that possible?" None of my devices were lost or stolen so I've now lost confidence that Apple Pay is any more secure than a physical card.....

People don’t realize a subscription is a legal contract and enforceable. Credit cards (banks) update credit information to allow subscribers to avoid default and having late payments or defaults reporting to credit bureaus. It also prevents disruption of service, which in some cases can be life threatening.