How Secure Is Apple Pay: What You Need To Know


How Secure Is Apple Pay: What You Need To KnowPin

Apple Pay is a very convenient way to pay for products and services whether you’re out and about or shopping online – but how safe is it? Let’s investigate.


For a short while, contactless payments were revolutionary, but today they’re taken for granted. Very fast, our excitement to see a company accept it gave way to disappointment if they didn’t.

When contactless debit cards entered the market, the whole payment procedure almost seemed non-existent – minus the guilt of purchasing another latte. Chip and pin debit cards were already considerably handier than using cash and carrying a bulky wallet around.

How Secure Is Apple Pay: What You Need To KnowPin

Then came contactless mobile payments through the use of Apple Pay, Android Pay and Google Pay, and now we simply don’t need a wallet with us at all half the time.

Many people, however, are concerned with the security issues that have evolved alongside this evolution of payment methods.

What threats exist, and how does Apple Pay shield us from them?

What Is Apple Pay?

The digital wallet service known as Apple Pay uses near-field communication (NFC) technology to enable users to make secure, contactless credit or debit card payments at merchant locations all around the globe.

Apple devotees may accomplish this using an iPhone, Apple Watch or iPad that supports NFC, although the latter may not be the most practical.

Customers who use Apple Pay may make purchases online as well as in-store. Apple uses the customer’s fingerprint or face to validate the payment, which is quicker and safer than any credit card security measure.

Is Apple Pay Safe?

Each payment method has its own weaknesses and vulnerabilities, and none of them is completely secure. When everything is said and done, Apple Pay is still rather secure.

However, a possible weakness in Apple Pay’s VISA Express Transit mechanism was found by certain academics from the Universities of Surrey and Birmingham.

Users of the Express Transit system may pay for transportation services without having to authenticate the transaction using Face ID or Touch ID as they would for any other purchase.

This is intended to shorten the time needed to tap in or out of transit gates. You just need to touch your smartphone on the contactless reader to do this, and the payment will be instantly authenticated.

The iPhone was deceived by the researchers into believing it was talking with a transit gate when in fact it was a payment scanner for stores.

In order to do this, a special code emitted by turnstiles or transit gates was identified and exploited to disrupt the communications between an iPhone and a store card reader.

Does Apple Pay Save Your Bank Details?

When you first set up a card in Apple Pay, you will be asked for the card number, expiration date, and CVV code. This information is necessary so that the card may be confirmed with your bank.

Apple’s method of authentication only has to be completed once, and the company does not store any of the information it collects. Therefore, when you make a purchase with Apple Pay, these details are not shared with the merchant.

Instead, it uses a process known as “tokenization,” which creates a one-time password that is unique to each transaction that is carried out.

Does Apple Pay Have A Contactless Limit?

Apple Pay has no spending cap, in contrast to contactless card payments, which cap your total at £100. There is no guarantee that this will never change, however it would not make sense to do so.

This enables you to pay for more expensive items or more items at once with nothing more than your iPhone, Apple Watch, iPad, or whatever else Apple decides to bring out in the future.

How To Set Up Apple Pay

Setting up Apple Pay on your Apple device is a straightforward process, as you’d expect. Although the following guide is specific to setting it up on your iPhone, you’ll find the procedure very similar on your Apple Watch or iPad.

  1. Launch the Wallet app on the iPhone you’re using.
  2. To add anything, click the plus sign in the top right corner of the screen.
  3. On the screen for setting up Apple Pay, tap the Continue button.
  4. Select the kind of card you wish to add to your Apple Pay account, either a credit, debit card or the Apple Card itself.
  5. To add a new card, just follow the instructions given. In this section, you will have the option to either manually input the card info or use the camera on your iPhone to scan the face of your card. After that, press the Next button.
  6. Now, input the expiry date of the card as well as the security code, and then touch the Next button.
  7. Please take the time to read and accept the terms and conditions.
  8. Choose between receiving a verification e-mail, text message, or phone call, and then input the verification code when required to do so. Then you should click the Next button.
  9. After having your information validated by your financial institution or card issuer, you will be able to begin using Apple Pay by selecting “Next”.

What Is Apple Wallet?

You may save your credit and debit cards, transit passes, and other types of identification, including your driver’s licence or student ID, in the Apple Wallet app.

If your automobile or house key is compatible with Apple CarKey, you can also save digital versions of those keys. Additionally, you may use it to keep track of your railcards, boarding permits for flights, COVID-19 immunisation card, and more.

Apple Wallet’s simplicity is what gives it beauty. The majority of the items listed above that fit in your wallet may be uploaded, and your iPhone can access them right away.

Latest Smartphone Releases


  • Xiaomi 15S Pro

    The Xiaomi 15S Pro didn’t come with a flashy launch, but it brings some seriously heavy hardware to the table. A custom 10-core chip, Leica-engineered cameras, and one of the brightest displays on the market

  • Samsung Galaxy S25 Edge

    At just 5.8mm thick, it’s one of the thinnest Android phones ever made—but don’t let the slim profile fool you. This phone is all flagship under the hood.

  • Nothing Phone (3a) Pro

    It’s got the same slick design and OLED display, but adds a periscope zoom camera and a 50MP front-facing shooter.

  • Nothing Phone (3a)

    The Nothing Phone (3a) nails the formula: give people what they actually want, keep the price low, and make it look cooler than anything else in its class.

  • Motorola EDGE 60 Pro

    With a bold design, flagship-like display, and surprisingly refined camera system, it’s one of the most interesting mid-range phones of 2025.

  • Google Pixel 9

    I’ve been using the Pixel 9 for a few weeks now, and honestly? It nails all the basics—and a bit more. Killer stuff all round!

  • Google Pixel 9 Pro

    I’ve used the Pixel 9 Pro as my daily device, and it’s hands-down the best balance of power, practicality, and photography you’ll find on Android right now.

  • OnePlus 13

    I’ve been using the OnePlus 13 as my daily driver for a few months now—and I’ve got to say, it’s easily one of the best Android phones I’ve tested this year.

  • Xiaomi 15 Ultra

    After using the Xiaomi 15 Ultra for over a week, I can confidently say: this phone is an absolute beast. It’s made for camera nerds, power users, and creators.

  • iPhone 16 Pro Max

    If you’ve been holding out for a truly complete iPhone, the 16 Pro Max delivers—hard. After using it daily, I won't be going back…

  • Google Pixel 9 Pro XL

    Big screen, big battery, and even bigger brains—this is the Pixel to get if you want Google’s best hardware and longest support.

  • Google Pixel 9a

    The Pixel 9a brings Google’s flagship-level smarts to a budget-friendly package, and it’s easily one of the best-value Android phones of 2025.

Best SIM-Only Plans & Deals


  • iD Mobile 1 Month SIM-Only: 108GB

    Another high-data, low-cost option with no contract. 108GB for just £9, full 5G access, and the same goodies you get with 12-month deals.

    +

    Data: 108GB

  • iD Mobile 1 Month SIM-Only: 20GB

    The lowest price option. 20GB for £6 with all the same perks as pricier plans. Great if you don’t use much data and want to save every penny.

    +

    Data: 20GB

  • iD Mobile 1 Month SIM-Only: 110GB

    This plan gives you big data and zero commitment. 110GB for just £10 with all perks intact. If you need more data but want the freedom to cancel, this is the one.

    +

    Data: 110GB

  • iD Mobile 1 Month SIM-Only: 60GB

    More data, same price. For just £8/month, you get 60GB on a no-strings 1-month rolling plan. Ideal for users who stream often but don’t want long commitments.

    +

    Data: 60GB

  • iD Mobile 1 Month SIM-Only: 40GB

    Perfect if you want full flexibility. You get 40GB and all of iD Mobile's perks with no lock-in, annual increases, or setup fees. Great for short-term users.

    +

    Data: 40GB

  • iD Mobile 12 Month SIM-Only: 60GB

    One of the best pound-per-GB plans around. You get 60GB for £8 with £25 cashback, which means you’re effectively paying closer to £6/month. Includes roaming and data rollover.

    +

    Data: 60GB

  • iD Mobile 12 Month SIM-Only: 108GB

    This deal gets you a healthy 108GB of 5G data for less than a tenner, with no upfront costs and £24 cashback. All the perks are included too: data rollover, roaming, and loyalty rewards.

    +

    Data: 108GB

  • iD Mobile 12 Month SIM-Only: Unlimited Data

    This iD Mobile plan doesn’t just compete on price, it’s up there with the best of them. Unlimited everything, a year-long lock-in with no price rises, and £42 cashback straight to your pocket. It’s like getting nearly 3 months free.

    +

    Data: Unlimited, No Speed Caps

  • Mint Mobile 20GB Plan

    If you're looking to save some cash on your bills, this plan is an awesome option. You'll get 20GB of data per month and 20GB hotspot data allowance. For moderate to heavy users, that should be more than enough. I seldom use more than 10GB of data a month, and I'm always using my phone

    +

    Data: 20GB

  • Mint Mobile 15GB Plan

    If you don't use a lot of data, this plan is a great option. You'll get 15GB of data per month and 5GB hotspot data allowance. It's not a lot but for light users, it is likely more than you'll ever need

    +

    Data: 15GB

  • Visible+ Pro Plan

    Visible+ Pro is built for heavy users who want it all: 4K streaming, ultra-fast hotspot speeds, and premium 5G access on Verizon’s best network. No throttling. No compromises. Just pure, high-performance mobile.

    +

    Data: Unlimited

  • Visible+ Plan

    If you’re tired of overpaying for unlimited data, Visible is one of the best alternatives out there—especially right now. For a limited time, you can get Visible’s unlimited plan for just $20/month, and that price is locked in for an entire year when you use code SAVE5 at checkout.

    +

    Data: Unlimited