Viewing transactions after the a debit card is removed from Wallet

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Level 1

4 points

Viewing transactions after the a debit card is removed from Wallet

If my Apple wallet was used during a fraud incident and I had a card in my wallet that was deleted. Now I need proof of the transactions on the card but I don’t see the transaction anymore because the card was deleted from my wallet. What do I do? Who do I call to try and obtain a record of that fraud transaction

Second question, Does Apple wallet mask someone else's identity under mine when I add a debit card to my wallet? Because when I added this particular debit card into my wallet, Apple wallet did not ask for the name on the card, just the card number, expiration date, and CVV code.

Posted on Feb 3, 2026 9:58 AM

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Answer 1

Top-ranking reply

Phil0124

Level 10

217,898 points

Feb 3, 2026 10:23 AM in response to gmelero71

Contact your bank or card issuer to get your card's transaction statement.

Or use the card issuer's or bank's app.

No. When you add a card to Wallet, your iPhone encrypts the card information and sends it to your Bank, your bank then verifies the card and approves or denies the addition to wallet app. Some issuers require verification through their app others don't.

Apple does not ever see any data related to your card nor does it change it or mask it in any way.

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Answer 2

Jeff Donald

Level 8

45,774 points

Feb 3, 2026 10:15 AM in response to gmelero71

When a payment is made using Apple Pay an encrypted payment token is made on your iPhone and sent via NFC to the merchant’s terminal. The transaction details are then sent theough the merchant’s credit card processor, re-encrypted and sent to the Payment Network Operator (Visa, Mastercard, American Express etc.) and then to your bank. Both the PNO and bank must approve the transaction. The bank then sends approval or decline back to the merchant’s terminal. Transaction details may be added by the bank to your Wallet.

Apple and the merchant do not have access to any of the encrypted data.

I’m not sure what you mean by masking an identity. Both the PNO and the bank know your name. Neither Apple nor the merchant need your name, unless the merchant is shipping the merchandise. Then the information in your Wallet & Apple Pay settings is used or if an online transaction, purchaser may need to fill in shipping information in an online form.

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Answer 3

Jeff Donald

Level 8

45,774 points

Feb 3, 2026 3:38 PM in response to gmelero71

They don’t need your name on them in your Wallet app. You know your name, who else is in your iPhone and Wallet app? The two entities that verify and authenticate your card when it’s being added to your Wallet know the name on the card.

Why is it important to have your name on the card?

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Answer 4

gmelero71 Author

Level 1

4 points

Feb 3, 2026 12:25 PM in response to Jeff Donald

What I mean by mask is: I could 8 debit/credit cards in my Apple wallet and none of them have to my name on them to use them? As long as I have the card #, Exp date, and CVV it's all good? Who cares who's name is on the actual card itself?

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Answer 5

gmelero71 Author

Level 1

4 points

Feb 3, 2026 12:23 PM in response to Phil0124

So when I added this debit card that was not in my name to my Apple Wallet: my iPhone sent that to the bank and the bank said my names doesn't match the name on the card, but who cares we are approving it anyways?

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Answer 6

gmelero71 Author

Level 1

4 points

Feb 3, 2026 6:57 PM in response to Jeff Donald

Let me re-ask the question a different way. If I put my someone else's debit card info into my apple wallet. Can I now go to their bank and deposit/withdrawal money using the atm and my iphone/wallet? So my name is on the actual Apple wallet because it is from my iphone despite their debit card having a completely different name than mine, I can still use it at their bank?

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