Can Apple Pay get hacked?

We have a scenario with my son. It was only £5 but it SHOWS up in his apple wallet history, but he was nowhere near where this transaction took place. We wanted to deposit his birthday money into his account, but because of this unauthorised transaction, we have put it into another account, until this is sorted. Is this possible to happen please.

Thank you. I will look at the videos. I have spoken to the location where the transaction took place today, and he has asked me to email him the screen shot of the transaction. It says Contactless payment. Apple Pay 3777. I understand a bit about skimming etc, but if the method was used, using the method in your videos and his card was scanned, would it still come up as apple pay. I have just looked who the company is for where it was used for and its for a company called sumup.com which deals in card readers. Regards

Please help — same exact thing is happening to me. Not a hardware store a- under the name “FORTUNE GROUP HONG KONG.” Chase says it was Apple Pay being hacked. Got the same fraudulent charges on the new card before I ever received it. Now my account is locked and I have no way to contact Chase since it’s a weekend and I can’t access my account number. Our call got dropped. Please tell me you were able to resolve this or get some form of insight into what happened.

Chase tells me the fraudulent charges show as being done on my device! But it’s impossible as the charges were done at 4 different merchants on same day in different parts of town. No explanation

It’s a hack!

How was the data decrypted? Did you ask Chase that question? Your data was probably sold to 100’s if not 1000’s of fraudulent actors now using your data, that you compromised. There’s no way you read the article I linked to or researched any of the terms I used. You didn’t take the time to educate yourself, you’re just looking for a scapegoat.

Once you understand what encrypted data is you’ll start to understand that you’re assuming facts that aren’t in evidence.

This very same thing happened to me with an fraudulent overseas hardware store transaction on a new apple pay card. Since then, have you stop using apple pay altogether? Have you learned anything new about the breach? Trying to get to the bottom of what happened and whether it was my Apple ID compromised or Apple pay.

I understand you’re trying to educate people (at least I hope that’s the intention) but you’re getting awfully defensive towards people who, through no fault of their own, have been affected by scams. Regardless of if it’s stemming from Apple Wallet or a card skimmer, this is not something people want to hear, or be blamed for.

Silly response. If we knew what happened we’d post. What I do know is after using Tap to Pay at specific grocery store, there are multiple charges to several cafes, small businesses… same grocery store multiple times. Chase still investigating… I get that you don’t understand how it happened. Either does Chase!

Nothing silly when you understand how it can be done. I understand you don’t know what or how it happened. But instead, you choose to come in on the middle of someone else’s discussion and make accusations of what I’ve written is false. Nice introduction.

If you don’t understand something, ask. Be open minded. Your bank made an accusation and you accepted it as fact. They didn’t explain the technology, didn’t take the effort to ask me teach you anything. You come here and make the same accusations. How about we start in the beginning and ask me to explain how you were compromised?

Do you want to learn or be defensive about what Chase Bank support told you? Happy to educate. Just explain the circumstances and I’m happy to explain how your data was compromised.

Let’s post this again… why is this post & question “not constructive”?

The card is with me 24/7. My phone is with me as well. I live overseas, the grocery store where I’ve use the card and then the fraudulent charges start is the same. It’s tap to pay. Instead of saying it’s “impossible” why not try asking for more information? And being informative… The bank doesn’t know how this happened, I don’t know how this happened, you don’t know how this happened. That’s what I’m trying to figure out! Now here’s one more piece of information, before all these fraudulent charges there is the acronym “BIC” and they fall under “government services“… But these are cafés, and electronic stores, all small businesses. All small charges, $4 to $20. I’m guessing they were going with small amounts to see if I noticed, before going to big amounts. Now, maybe instead of saying “impossible“ provide some insight into how? No card was inserted, no chip was inserted. no one could’ve had my physical card. All charges started immediately following using tap to pay at a specific grocery store.

if you don’t know the answer to something, it doesn’t mean you delete the post!

Great links and all. I understand how it’s supposed to work. That’s not an issue at least for me. What’s an issue for me? Is all the fraudulent charges happened after I tapped to pay at a specific store. I did not produce a physical card. Somehow, someone, probably related to that store, was able to use my card number at multiple other local businesses. Almost simultaneously. 10-12 transactions within an hour or two. All over town. Which means they were never physically at those other places of business. This all happened. And again, no physical card was ever produced. The bank knows these were fraudulent, but it’s not sharing how it was done. Because they probably don’t want people to understand it and then copy whatever method was used. But the fact is it happened. And no one can explain, or wants to explain why. I have searched the Internet wide and far. All I get is how it is supposed to work. Unfortunately, while informative, it doesn’t help! But thanks.

I am very interested to hear how Apple Pay can't be hacked. I had several unauthorized charges for Apple Music and Hulu hit my account. I canceled my Chase card, disputed charges, and had another card issued. Apple Pay was updated before my new card was received. However, new Apple Music charges were charged when I have never used the service. How would this happen?

OMG1. After reviewing 4 pages of Apple Pay posts, I feel sorry for Apple and all the misinformation that may be read as gospel. I have used Apple Pay since the day it was first available and truly believe it is the safest way to pay. Back when CVS along with seven other major companies were spending years still trying to develop and release “ConcurentC” (Their own payment system to reduce retailer bank charges), I successfully used Apple Pay at my local CVS and the payment went through correctly even though the retailer had done nothing to integrate Apple Pay to their POS. It took quite a long time for CVS and the other companies to stop development on their own payment system and offer Apple Pay.

My only problem with Apple Pay is how much trouble I have double clicking fast enough on the sleep/wake button while I’m also trying to aim the iPhone for Face ID. It was easier back with the Touch ID on earlier vintage iPhones.

Maybe you can explain the following scenario. I do understand what you said but here's what happened to me.

I had 4 physical credit cards in my hand bag while vacationing in Las Vegas. 2 of those cards were in Apple wallet. I did not take any of the physical cards out of my wallet while I was there, nor did I make any Apple wallet purchases. (husband used his cards and no problem) How is it only the 2 cards that were "stolen" were in Apple Wallet? If I got "hijacked" on open Wi-Fi or hand bag got scanned by someone walking by, why didn't they abuse 4 cards? which one of the 3 scenarios is most likely the culprit?

How are your cards and your husband's cards related? Why did you even mention that?

You mention your purse being scanned. That’s not a <thing>. Scanning items is a weakness of cards that use RFID (Radio Frequency Identification). There literally are no credit/debit cards in the US that use RFID. What country are the banks from that issued your credit cards?