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In Apple Pay, why does the merchant see my real credit card number?

I had been given to understand that when using Apple Pay, the merchant never sees your actual credit card number, only the unique number generated within Apple Pay itself.


However, whenever I pay for food at Subway, the last four digits of my ACTUAL credit card number (not the unique Apple Pay number) are always printed on the receipt. Which suggests that the payment terminal at Subway actually sees my real credit card number.


This only happens at Subway - at all other merchants where I use Apple Pay, the unique Apple Pay number is the one that's printed on the receipt (in lieu of the actual credit card number).


Can anyone explain this? Why is Subway the only merchant that sees my real credit card #?

iPhone 6s Plus, iOS 10.3.1

Posted on Apr 26, 2017 3:58 PM

Reply
5 replies

Jun 18, 2017 12:31 AM in response to Jareer

As Apple explains on the feedback form: "We read all feedback carefully, but we are unable to respond to each submission individually":


Feedback - Apple Pay - Apple


If you would prefer to discuss the matter with Apple, then contact options include:


May 28, 2017 10:15 PM in response to Babaganoosh

I posted about this before, and now I'm glad I'm not the only one. Yes, this has started happening to me at Subway since March/April (it did not happen before). The same receipt states "contactless" yet my actual credit card (last 4 digits) is printed. Checking my online credit card account reveals that the order was paid for using the device ID, so it is only on the actual receipt that the last 4 digits of the real credit card show up. This happens with both my iPhone and Apple Watch.


When setting up Apple Pay, the actual credit card number is not even supposed to be stored on the device. So how is this happening?


By the way, I reported this to Apple using the link provided above ( https://www.apple.com/feedback/apple-pay.html) several weeks ago, but got nothing.

May 20, 2017 11:08 AM in response to Babaganoosh

Hello,

I have encountered the same situation with Subway. I have tried three different cards on the same device (iPhone 7 Plus) at two different Subways. One card is a replacement of the same card but a different number. The receipts all show the last four digits of the real card. When using the same card and device at a different retailer that supports Apple Pay (like McDonald's or Exxon gas station), it shows the last four of the device ID.

I would really like to know why and hopefully ease my concern about the security of this.


Thank you,

Matthew

In Apple Pay, why does the merchant see my real credit card number?

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