Apple today shared three new ads highlighting the security benefits of Apple Pay on the iPhone compared to physical credit cards. The short ads emphasize that physical credit cards can be stolen, used by anyone, and leave your card number exposed to other people. The message behind the ads is that all of these security risks with using credit cards can be avoided by using Apple Pay.

Apple shared the videos on its YouTube channel in the U.K. — the videos have yet to be uploaded in the U.S. or other countries.


Apple Pay is at the center of a new class action lawsuit filed against Apple in California this week. The complaint alleges that Apple violates U.S. antitrust law by blocking rivals from accessing NFC technology on the iPhone, iPad, and Apple Watch, thereby preventing availability of competing tap-to-pay payment services on its devices.

Article Link: Apple Pay Promoted as More Secure Than Credit Cards in Three New Ads

Apple Pay is so secure that even competitors wanting to implement their own touchless payments on the same phone aren't allowed.

If you let other developers play with NFC on your device, that makes it much easier to compromise NFC transactions on your device. NFC belongs in the secure enclave.

Apple came up with a great way for storing cards and making contactless payments on their device. I understand the want for other payment methods, but not the legal requirement. If Apple is to open up its hardware and software, it should come from public pressure from customers and consumers, not the law. Just my opinion.

Yes tap pay is more secure then swipe or chip pay for physical cards and for your iPhone

My wife's credit card has been 'stolen' several times. Once, three times in one month! Mine was 'stolen' on a trip to Florida years ago. It was apparently 'payment' for complaining about the Hertz rental booth giving me 'the swamp mobile' that smelled like it spent the previous week submerged in a local swamp. It was hideous. I couldn't barely drive it back to return it it stunk so bad.

So I went, apparently, on a bender at the local Kids 'R Us, and someone benefited immensely... %400+ dollars of baby accessories.

I love Apple Pay. It's easier, quicker, and works like Pay Pal, shielding my cards...

I love Apple Pay as well. I just wish it was available to use at more establishments that I frequent like gas stations, restaurants, etc.

BootsWalking said:

Apple Pay is so secure that even competitors wanting to implement their own touchless payments on the same phone aren't allowed.

Why when you are developing the product? Apple Pay like everything Apple releases is mocked until they do the work to make it successful, then the vultures swarm in to steal the easy profit.

JosephAW said:

Yes tap pay is more secure then swipe or chip pay for physical cards and for your iPhone

NFC on your phone or watch is more secure than swiping or using contactless payments using a card.

macinct said:

I love Apple Pay as well. I just wish it was available to use at more establishments that I frequent like gas stations, restaurants, etc.

I use it pretty much everywhere. Even in places only promoting GPay.

BootsWalking said:

Apple Pay is so secure that even competitors wanting to implement their own touchless payments on the same phone aren't allowed.

Opening it up to competitors decreases security and exposes apple to reputation risks if breaches are associated with iPhone.

macinct said:

I love Apple Pay as well. I just wish it was available to use at more establishments that I frequent like gas stations, restaurants, etc.

With the exception of in-flight purchases, I can’t think of a time in the past two years where I’ve been in an establishment that does NOT accept Apple Pay.

D_D said:

With the exception of in-flight purchases, I can’t think of a time in the past two years where I’ve been in an establishment that does NOT accept Apple Pay.

You must not live in the United States or if you do never shop at Walmart or Home Depot.

MacRumors said:

The short ads emphasize that physical credit cards can be stolen, used by anyone, and leave your card number exposed to other people.

All of which ultimately costs the credit card companies money. The user loses some time and hassle, but ultimately the CC companies hold the bag, which is why they care so much.

genovelle said:

Why when you are developing the product? Apple Pay like everything Apple releases is mocked until they do the work to make it successful, then the vultures swarm in to steal the easy profit.

Except that touchless payments over NFC predates Apple Pay by at least a decade.

Contactless is pretty huge already in the UK, but I must admit, I still don't see many outside London paying for things with their phones.
I've been a day 1 user of Apple Pay and it's by far my favourite method. Going on a trip to Australia I only had to take out a physical card once and never paid with cash the entire time. I guess I'd just like to see better summaries of expenditures and categorisation for budgeting.

There used to be lower limits on straight contactless payments and Tesco, for whatever reason, has always pushed their own daft payment system (a la Walmart, I suppose) instead of properly supporting Apple Pay. I try to avoid Tesco.

genovelle said:

Opening it up to competitors decreases security and exposes apple to reputation risks if breaches are associated with iPhone.

So if for example the Wells Fargo banking app has a bug and user accounts are compromised people are going to blame Apple? I don't think so.

My favorite feature is that the retailer never gets your actual credit card number.

It just sends a token.

It's kinda hard for someone to "steal" your credit card number if the number is never transmitted in the first place!

👍

Michael Scrip said:

My favorite feature is that the retailer never gets your actual credit card number.

It just sends a token.

It's kinda hard for someone to "steal" your credit card number if the number is never actually transmitted!

👍

And I believe they are enhancing this feature in iOS16 with one time use numbers for other cards besides the Apple Card. If I heard right anyway.

RalfTheDog said:

If you let other developers play with NFC on your device, that makes it much easier to compromise NFC transactions on your device. NFC belongs in the secure enclave.

Are all the third-party banking apps on the phone insecure since they don't use the Secure Enclave?

BootsWalking said:

Apple Pay is so secure that even competitors wanting to implement their own touchless payments on the same phone aren't allowed.

You're going to bat for banks? They are the ones that are fighting for that because they don't like paying Apple a 0.15% fee. You do you, but I didn't expect to find big fans of banks here, they are typically rare on the internet in general.

ProfessionalFan said:

You're going to bat for banks? They are the ones that are fighting for that because they don't like paying Apple a 0.15% fee. You do you, but I didn't expect to find big fans of banks here, they are typically rare on the internet in general.

You're going to bat for the largest corporation on the planet, who earns more profit than all the large banks combined? And there are lots of upstart competitors in the space that aren't the large banks.

ApplePay has replaced cards and (mostly) cash for me.

One of the greatest benefits for me of owning an iPhone.

I use Apple Pay almost everywhere now. I wish Lowes would get on board but that’s one of the few places I frequent that don’t accept it these days.

GermanSuplex said:

Apple came up with a great way for storing cards and making contactless payments on their device. I understand the want for other payment methods, but not the legal requirement. If Apple is to open up its hardware and software, it should come from public pressure from customers and consumers, not the law. Just my opinion.

Could it not be said that the reason for legal pressure is because the public has asked for it?