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

Mar 20, 2024 7:21 AM in response to jlsycks

Your Apple Wallet is never charged, it is a passthrough for credit and debit cards. But the wallet itself is never involved it a transaction. Payment methods you have in your Apple wallet can be defrauded, but that does not mean the wallet had anything to do with the transaction. A credit or debit card can be compromised in many ways, but not through Apple Wallet.

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Apple Pay has been hacked, what to do?

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