Apple Pay has been hacked, what to do?

I thought Apple Pay was an added form of protection. In one day two cards were hacked. Help?


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Apple TV 4K, tvOS 16

Posted on Nov 1, 2023 7:42 AM

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Posted on Jan 11, 2024 6:03 AM

No, Apple Pay cannot be >hacked<. All the numbers credit/debit cards on your iPhone are encrypted. Your iPhone doesn’t have the key to decrypt, Apple doesn’t have the key, the merchant doesn’t have the key, only your bank has the key.


However, humans make mistakes. If you were tricked into revealing your Two Factor Authentication code or your Apple ID Account was hacked, the issue is on you.


You need to change the password to your Apple ID and remove any devices you do not recognize listed on your Apple ID Account.

67 replies

Sep 4, 2024 4:33 PM in response to Jeff Donald

Hi, my bank account was compromised and within 2 minutes 7 fraudulent transactions were made with my card details. My bank are saying they won’t pay a chargeback as the transactions took place using Apple_Pay on a device authenticated by me. But this is not possible as the transactions were taking place I had my phone in my hand and was able to witness the money being taken with each transaction and fortunately able to act fast and block the merchant they were using and withdraw the remainder of my funds into another account before they emptied me out.


however I can now see on my transaction history with my bank that a few hours prior to this a Google card verification took place.


my question is how was someone Apple to set up Apple Pay with my card details without me knowing?

Sep 8, 2024 7:58 AM in response to Jeff Donald

So I've been using My Apple pay to travel on NYC public transportation. I would use it because I also believed it was the most secure method on those tap and go machine. After 10 pm i’m home in NJ and got several notifications of transactions taking place with my apple pay cash that I had on the card at NY MTA station. I was able to view the time and location. My debit card was also in the wallet and I removed it just in case they were able to access it. So if apple pay cannot be hacked what do we call that?

Sep 8, 2024 8:50 AM in response to Lawrence Finch

I use it on a regular M-F and whenever I do the notification with the charge pops up. It’s never shown up two days later for me. That recent transaction which took place last night had the time and the location. The one this morning stated 6 mins ago so I removed the funds completely off the card because I realized reporting the several charges last night did not block the card from being used until it was figured out like a bank would’ve done

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Apple Pay has been hacked, what to do?

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