My Apple Pay was used for illegal activities

The information Apple has is encrypted and anonymous, meaning the information has no identifiers that can be linked to you. Only your bank and Payment Network Operator (Mastercard, Visa, etc.) have the key. This eliminates someone inside Apple.

The way most bank cards are compromised is through skimming and shimmering. Your financial and personal information is copied off your card when you swipe your card or insert the chip into a transaction terminal.

The data is then sold on the Dark Web and scammers make counterfeit copies and add the information to their Android and Apple devices. Your bank the verifies their identity and adds the card to their Google Pay and Apple Wallet. Now they can make fraudulent purchases.

Apple is not a bank and cannot verify your identity or approve or decline a transaction. That authority rests entirely with your bank. Apple Pay handles encrypted data between your iPhone and the merchant’s terminal. Beyond that they are out of the picture.

I’m truly sorry for your situation and will be happy to answer any questions I can.

Apple Pay component security - Apple Support

Paying with cards using Apple Pay - Apple Support

Legal - Apple Pay & Privacy- Apple

Card provisioning security overview - Apple Support

I believe this is correct but I'm not sure if it's all correct. I don't think Apple Pay is essentially a bad app but it does have its faults, namely it doesn't let you know whether you have been hacked via Safari and as we know, Apple is constantly updating its iOS to combat hackers, which is a very noble thing to do, otherwise they'd use the information contained within Safari from all their Apple Pay predictive records, pertaining to details saved directly from the account holders' credit cards. I think Apple needs to address this unlikelihood, but in my case it was very real, it seems, as I have recently had my credit cards hacked via Safari I swear, as I'm constantly drawing upon my saved bank details it keeps from all my Apple Pay transactions. I can't help but think if hackers would seize attempting to hack Safari once Apple invests a lot of more time and money investing in its browsers' activity rather than knocking out countless iOS updates every five minutes which I'm sure you Jeff, and many other Apple users find thoroughly exhausting. I suffer from encephalitis too, and this behaviour I find is very undermining for me. I feel just for my mental health now, and this is a good enough reason that Apple do a thorough investigation into why it imposes upon us so many updates. I often wonder if the machine that does those updates need updating itself! I believe Den Hansen called Glaedy's Wretch.