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How secure is an Apple Pay transaction?

Security and privacy are at the core of Apple Pay.  Apple uses security features built-in to the hardware and software of your device to help protect your transactions. Apple doesn’t store or have access to your full card details, and these are never stored on your device or shared with merchants when you use Apple Pay.  Merchants are only provided with your Device Account Number.

Each transaction is authorised by your Face ID, Touch ID or the device passcode and a confirmation is displayed in the Wallet. This shows the merchant name, where and when the transaction occurred and the amount of the payment or refund.

If you misplace your device you can use Apple’s Find My app service to remotely lock your device or permanently erase the data on your device, including your card details to prevent further Apple Pay transactions being processed.

Subject to our Credit Card conditions of use, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases made with your Westpac card on Apple Pay. Subject to our Deposit Account Terms and Conditions, you are covered for any unauthorised transactions made on your Westpac Debit Card on Apple Pay.

More information on Apple Pay security and privacy: https://support.apple.com/en-au/HT203027