Apple Platform Security
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Welcome
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Introduction
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Services security overview
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Apple Pay overview
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Apple Pay components
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Secure Element and NFC controller
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Payment authorization
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Transaction-specific dynamic security code
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Pay with credit and debit cards in stores
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Pay with credit and debit cards within apps
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Paying with credit and debit cards on the web
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Contactless passes
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Render cards unusable
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Suspending, removing, and erasing cards
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Apple Cash
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Transit cards
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Credit and debit cards for transit
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Student ID cards
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Business Chat
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FaceTime
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Developer Kits overview
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HomeKit identity
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Communication with HomeKit accessories
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Local data storage
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Data synchronization between devices and users
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Home data and apps
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HomeKit and Siri
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HomeKit IP cameras
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HomeKit routers
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iCloud remote access for HomeKit accessories
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HomeKit TV Remote accessories
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Apple TV profiles for HomeKit homes
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CloudKit
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SiriKit
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DriverKit
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Camera and ARKit
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Secure device management overview
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Pairing model
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Passcode and password settings management
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Configuration enforcement
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Mobile device management (MDM)
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Automated Device Enrollment
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Apple Configurator 2
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Device supervision
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Device restrictions
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Activation Lock
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Lost Mode, remote wipe, and remote lock
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Screen Time
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Glossary
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Document Revision History
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Copyright

Pay with credit and debit cards in stores with Apple Pay
If iPhone or Apple Watch is on and detects an NFC field, it presents the user with the requested card (if automatic selection is turned on for that card) or the default card, which is managed in Settings. The user can also go to the Wallet app and choose a card, or when the device is locked:
Double-click the Home button on devices with Touch ID
Double-click the side button on devices with Face ID
Next, before information is transmitted, the user must authenticate using Touch ID, Face ID, or their passcode. When Apple Watch is unlocked, double-clicking the side button activates the default card for payment. No payment information is sent without user authentication.
After the user authenticates, the Device Account Number and a transaction-specific dynamic security code are used when processing the payment. Neither Apple nor a user’s device sends the full actual credit or debit card numbers to merchants. Apple may receive anonymous transaction information such as the approximate time and location of the transaction, which helps improve Apple Pay and other Apple products and services.