Apple Pay security and privacy overview

When you add a credit, debit, postpaid, or transit calling card ( where available ) to Apple Pay, information that you enter on your device is encrypted and sent to Apple servers. If you use the television camera to enter the card information, the information is never saved on your device or photograph library .
Apple decrypts the data, determines your card ’ randomness payment net, and re-encrypts the data with a key that only your requital net ( or any providers authorized by your card issuer for provisioning and token services ) can unlock .
information that you provide about your card, whether certain device settings are enabled, and device use patterns—such as the percentage of prison term the device is in gesture and the approximate issue of calls you make per week—may be sent to Apple to determine your eligibility to enable Apple Pay. data may besides be provided by Apple to your batting order issuer, payment network, or any providers authorized by your batting order issuer to enable Apple Pay, to determine the eligibility of your tease, to set up your circuit board with Apple Pay, and to prevent imposter.

After your wag is approved, your bank, your bank ’ s authorize service provider, or your circuit board issuer creates a device-specific Device Account Number, encrypts it, and sends it along with early data ( such as the key used to generate moral force security codes that are alone to each transaction ) to Apple. The Device Account Number can ’ deoxythymidine monophosphate be decrypted by Apple but is stored in the Secure Element—an industry-standard, certified chip designed to store your requital data safely—on your device. Unlike with common credit or debit wag numbers, the batting order issuer can prevent its use on a magnetic stripe calling card, over the call, or on websites. The Device Account Number in the Secure Element is isolated from io, watchOS, and macOS, is never stored on Apple servers, and is never backed up to iCloud.

Apple doesn ’ thyroxine storehouse or have access to the original tease numbers of credit, debit, or postpaid cards that you add to Apple Pay. Apple Pay stores entirely a assign of your actual card numbers and a part of your Device Account Numbers, along with a card description. Your cards are associated with your Apple ID to help you add and manage your cards across your devices .
In summation, iCloud secures your Wallet data—like passes and transaction information—by encrypting it when it ‘s sent over the Internet and storing it in an code format when it ‘s kept on Apple ’ south servers. You can disable iCloud support on your device by going to Settings > [ your name ] > iCloud and turning off Wallet. Learn more about how iCloud stores and protects your data .

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