Your card info is not stored on the iPhone. If it's lost or stolen nothing can get lifted from it. Even if someone could get into your device(not happening without iCloud password), there's only a "device account number" which is randomly generated. So yeah, it's about as secure and non intrusive as you can get
@taxi818 wrote:
@RBFool wrote:
@JediNeo wrote:Seems like a bad idea. I know more people who lose or have their phone stolen vs their wallet. Call me old fashion but I'll stick with swiping my plastic cards.
The idea here is that your phone is locked via finger print sensor. With that in mind if your phone got stolen... it's "secure"
Exactly. With that mentality. I'll stick with my horse and buggy.
You need the registered fingerprint every time you pay. AFAIK, doesn't matter if you have a passcode or none, you must use Touch ID for every purchase.
Barclays is on the list of partners on Apple's page, but for "later this year"...I forgot about it and tried to add my Arrival Plus to no avail
@yfan wrote:
@thecheese wrote:Except you have a better chance of your card info being stolen by swiping your card than you do this (see Target breach, Home Depot breach). Your card numbers are not stored on the phone or the "cloud", and on top of that you're gonna have to lose your finger as well for the theif to make any transactions. That is if they can use your stolen phone + finger before you remotely disable purchases.
Not exactly. First of all, the fingerprint isn't the only way to unlock your phone - there IS a backup password in case even you weren't able to make your finger available for some reason. Second, while Apple doesn't technically store your card numbers on the cloud or on the phone, the corresponding device account numbers ARE in fact stored on the phone's secure element.
In general, I agree that mobile payments are in the order of magnitude more secure than than traditional credit card transactions (at least in the US). There is, however, no such thing as tamper proof. :-)
While it's true that to unlock your phone you can use a passcode as an alternative, for using Apple Pay there is no passcode alternative. A fingerprint is the one and only way to complete a transaction (I used it twice today with no option of a passcode). Also, if they were to get the device account number for a card, they would still need to know the key/algorithm to generate the random transaction token for every purchase. I do agree that if someone can get physical access to your hardware, nothing is tamper proof. That theif better be at the top of his class at MIT and in desperate need of some play money 
@Jayb5635 wrote:
I know it's not important in the grand scheme of things, but it annoys me that cap one uses a generic image it seems instead of a picture of my quicksilver...lol
Ha! I added mine and quickly deleted it because of the same reason! ahahahah!
That being said, my Citi Double Cash is my main spender, so I didn't really need my QS in there anyway.
