Credit card used in Apple Pay compromised

Is there any way this could happen without Apple Pay being vulnerable?

Situation:

Family member 1 (FM1) received Apple Pay notice that charge was declined / rejected at a business 800 miles from their physical location.
Bank (Chase) reports
- that FM1's device / digital wallet was used for the transaction.
- the card is registered with 3 phones, as expected

My understanding of Apple Wallet is that it is tied to the hardware, so cloning isn't possible.

What else could have happened? My first thought was that the maybe someone social engineered getting the card registered to their phone but that would have resulted in a 4th device being registered with Chase.

This has me fairly concerned....this should not be possible.

[Re-Titled by Moderator]

Posted on Dec 6, 2024 8:32 AM

Top-ranking reply

LaSuperChula

Level 1

21 points

Posted on Dec 7, 2024 10:09 AM

Jeff,

I contacted my CC fraud department and they indicated there was no SEID attached to the transaction. They also clarified that it was an online transaction and a MANUAL ENTRY. They also indicated that the CC number used was the number issued to my device’s Apple Pay which is different than my actual physical card number. The reason it was declined was because the address and CVV entered manually did not match.

I have recently made at least 3 online purchased for Christmas on reputable sites using the APPLE PAY Option. My guess that someone can access the CC number on their end or in transit and attempted a manual entry.

I will not be using APPLE pay for now. Sticking to PayPal. Never had issues with that.

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Credit card used in Apple Pay compromised

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