Stop NFC reader from auto-processing credit card information or payments

What you are experiencing with your new card being billed for things that are related to your old Lost Card is because your bank and the PNO(Payment Network Operator such as VISA or Mastercard) use a service called Automatic Billing Updater. That has nothing to do with the NFC reader on your phone. When you get a new card after previously reporting another as being lost, your new card details are automatically updated to any merchant that participates in the program so there is no interruption in those services.

The downside of the Automatic Billing Updater is that fraudulent charges will also be continued on the new card and you have to actually dispute those charges as fraudulent in order for them to be blocked and not appear on your new card. Here is a little background on the Credit Card Account Updater service and why you are now seeing those charges on your new card:

Credit Card Account Updaters

You are not able to remove a card from your Apple Account if there are subscriptions tied to your account. You will either need to cancel all those subscriptions or add your new card first and make that the default card and you will then be able to remove the old card.

Reading data is the opposite of sending data. When you tap a transaction terminal the NFC module and merchant POS system do an encrypted security handshake. Then once both devices are authenticated, data from your iPhone, in the form of a one time use encrypted payment token is transferred via NFC to the terminal for verification and authorization by Visa etc and your bank.

The card data or card cannot be read by an iPhone and the iPhone hardware must be provisioned by a payment processor or bank. This requires special software be added to your device.

tljpa wrote:

Thank you for the responses, but I think they answer a different question pertaining to how payment intermediary networks operate. Also I don't follow the claim that "NFC doesn't automatically read card data" when merchants rely on that exact tech for "cashless/contact payments" by phone.

When used for a wireless payment, the data that is transmitted is a one time use token and that occurs after you have double clicked the side button, followed by authorization using FaceID/TouchID or manually entered Passcode to your device. The actual account number of the credit card is not used at all and never transmitted through NFC to a merchant or third party.

That is why using Apple Pay and the NFC technology is much more secure, because the merchant never has your account number so if there was a data breach on their servers, the token used for your transaction would be useless. It also prevents a nefarious merchant from selling your account number or having your account number skimmed from a compromised terminal.

For a better understanding of how Apple Pay and NFC work together to eliminate the possibility of involuntary payment transactions, you may find this guide helpful. You will find that storing your cards in the Wallet app is much more secure than carrying the card in your wallet or using that card physically on a merchant terminal.

https://medium.com/@sahintalha1/the-magic-behind-apple-pay-018117d973e1

I call coincidence. One of my credit cards was cancelled by the bank because they saw some attempted fraud (by someone else). They issued me with a new card which had a new number but was, effectively, the same account. When I got the card I went to Apple wallet to add it and it had already been added and the transactions from the old, cancelled card had been transferred across.

Yes, your bank provisioned your card for Apple Wallet. All they had to do was revoke the old payment token and add a new token. This happens all the time when a card expires. The bank automatically updates the virtual card and payment token in your Apple Wallet.

Mac Jim ID is 100% correct. NFC on an iPhone, does not by default, have the ability to read your card information. Your iPhone must be provisioned by a credit card processor/gateway such as PayPal, Square, Stripe etc. Apple and your iPhone cannot just scan credit or debit cards via NFC.

Yours is the only post about it. So, common, definitely not.

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