Apple Pay & Privacy

Apple Pay is designed to protect your information and enable you to choose what you share.

  • When you add a card to Apple Pay, card-related information, device settings, device location, and device use patterns may be sent to Apple to determine eligibility.
  • Some of the above information, account-related information, and paired-device details may be shared with your card issuer or bank to determine eligibility and for anti-fraud purposes.
  • When you use Apple Pay in apps and on the web, information necessary to process the payment is shared with the app or website. Your actual card number isn’t shared with the merchant.
  • Apple Pay data that can no longer be tied to you may be retained for a limited period of time to generally improve Apple Pay and other Apple products and services.
  • Where available, when you set up and use Apple Pay to send or receive money or make purchases with your Apple Pay Cash card, account, device, and transaction information will be shared with our partner bank and Apple Payments Inc, a wholly owned subsidiary of Apple, to comply with financial regulations, to prevent fraud, and for troubleshooting.

Apple Pay allows you to make secure purchases in stores, in apps, and on the web, using your debit, credit, and prepaid cards. And where available you can use Apple Pay to ride transit and pay friends and family.

“Adding Cards to Apple Pay”

When you are adding a payment card like store, credit, debit, and prepaid cards to Apple Pay, information you provide about your card, whether certain device settings are enabled, and device use patterns (e.g. percent time device is in motion, approximate number of calls per week) may be sent to Apple in order to determine your eligibility to enable Apple Pay.

Information may also be provided by Apple to your card issuer, payment network, or any providers authorized by your card issuer to enable Apple Pay, in order to determine the eligibility of your card, to set up your card with Apple Pay, and to prevent fraud, including:

  • your credit, debit, or prepaid card number
  • the name and billing address associated with your Apple ID, iTunes, or App Store account
  • general information about your Apple ID, iTunes, and App Store account activity (e.g., whether you have a long history of transactions within iTunes)
  • information about your device and, if using Apple Watch, the paired iOS device (e.g., a device identifier, phone number, the name, and model of your device)
  • location at the time you add your card (if you have Location Services enabled)
  • account or device history of adding payment cards
  • aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

When you add a card to Apple Pay using a third-party app such as a banking app, the app sends an account or card identifier to your device. This information is used by Apple and your card issuer to determine the eligibility of your card, set up your card with Apple Pay, and to prevent fraud. To help you set up cards that you have, or have recently had, on other devices, Apple stores a card reference with your iCloud account that can be used with the card issuer or payment network to re-add the card after entering the security code. Apple Pay does not store the original credit, debit, or prepaid card number.

Paying with Apple Pay

Information shared when you make a payment

When you begin a payment within an app, on the web or within Business Chat using Apple Pay, to enable tax and shipping cost calculation, your zip code, postal code, or other equivalent information is provided to the app, website, or merchant. After you authorize the payment, other information requested by the merchant, such as a device-specific account number, your shipping address, or email address, is also provided. The card number from your credit, debit, or prepaid card is not provided when you use Apple Pay.

Apps and websites can check if you have set up Apple Pay

When using an app or a website that uses Apple Pay in iOS, watchOS, or macOS the app or website can check if you have Apple Pay enabled on that device. When visiting a website in Safari on an iOS device, or Mac to which a card cannot be added, the website can check if you have Apple Pay set up on an iPhone or Apple Watch using the same iCloud account. You may disable websites you visit from checking if Apple Pay is enabled by changing your settings. On iOS go to Settings > Safari > Check for Apple Pay. On macOS, go to Safari > Preferences > Privacy and uncheck “Allow websites to check if Apple Pay is set up”.

Apple transmits, but does not store your payment information

In order to securely transmit your payment information within apps, websites, and Business Chat, the information is sent to Apple in encrypted form, where it is briefly decrypted and re-encrypted with a merchant-specific key, so that only the merchant, the developer, or their payment processor can decrypt your payment information. When you make a payment on a Mac to which a card cannot be added, the Mac and the authorizing device communicate over an encrypted channel via Apple servers. Apple does not retain any of this information in a form that personally identifies you.

Making Person to Person Payments and Using Apple Pay Cash (U.S. only)

Apple Pay allows you to send and receive money from other people in Messages. When you receive money, it’s added to your Apple Pay Cash card that can be used to make purchases using Apple Pay in stores, in apps, and on the web. Person to person payments and the Apple Pay Cash account are services provided by Apple’s partner bank, Green Dot Bank.

Setting up Apple Pay Cash

When you set up Apple Pay Cash, the same information as when you add a credit or debit card may be shared with Green Dot Bank and with Apple Payments Inc.

Apple created Apple Payments Inc., a wholly owned subsidiary, to protect your privacy by storing and processing information separately from the rest of Apple and in a way that the rest of Apple doesn’t know. This information is only used for troubleshooting, regulatory purposes, and to prevent fraud for Apple Pay Cash.

Verifying your identity

You may be asked to provide information including your name, address, and your social security number to the bank and their identity verification service provider to verify your identity and to comply with banking regulations. Information you provide to verify your identity will only be used for fraud prevention and to comply with U.S. financial regulations. Your name and address is securely stored by the partner bank and Apple Payments Inc. If needed to verify your identity, you may be asked to provide additional information, such as social security number, date of birth, answers to questions (e.g., confirm street name you have previously lived on), or a copy of your government ID. This additional information cannot be read by Apple.

Information shared when you use Apple Pay Cash

When you use Apple Pay Cash, including when you add money or transfer money to a bank account, our partner bank, Apple, and Apple Payments Inc. may use and store information about you, your device, and your account in order to process the transaction, prevent fraud, and comply with financial regulations. This information is similar to that described in “Adding Cards to Apple Pay” above, but does not include the location of your device.

Apple Payments Inc. will store and use your transaction data for troubleshooting, to prevent fraud, and to comply with financial regulations once a transaction is completed. The rest of Apple doesn’t know who you sent money to, received money from, or where you made a purchase with your Apple Pay Cash card.

To assist Apple Payments Inc. in preventing fraud when you are using Apple Pay to send, request, and receive money, Apple may provide it with approximate use patterns from your device about how frequently you communicate with that person by phone, email, or in Messages. No content of your communication is collected. This information is stored for a limited time, and in such a way that it is not linked to you unless the transaction with which it is associated is determined to require further analysis due to suspicious activity. You can view which transactions required further analysis by going to your Apple Pay Cash card transaction history.

When you transfer money to a bank account, your bank information including account number and routing number will be stored within iCloud keychain to simplify future transfers. This information is encrypted and cannot be read by Apple or Apple Payments Inc.

Closing your Apple Pay Cash Account

If you close your Apple Pay Cash account, information about the account, including transaction history, will be retained as required by law and for fraud prevention.

You can learn more about how Green Dot Bank protects your personal information by reviewing their privacy policy at: https://applepaycash.greendot.com/privacy/

Transit Cards

If you choose to add an Apple Pay-enabled transit card to Wallet where this is available, information about your transit card will be associated with your iCloud account. If you add more than one transit card to Wallet, Apple or its partners may be able to link personal and account information associated between cards, for example personalized travel cards can be linked to non-personalized travel cards. In Japan, aggregate, non-personally identifiable, information about setting up transit cards in Apple Pay cards may be shared with mobile device carriers on a periodic basis.

When you use a transit card, information like recently visited stations, transaction history, and additional tickets may be accessed by a contactless card reader. This information can be accessed by any nearby contactless card reader, if the card is set as your Express Transit Card (a setting that allows you to complete transactions without Touch ID, Face ID, or a passcode). You can manage Express Transit on your iOS device by going to Settings > Wallet & Apple Pay or in Apple Watch app > Wallet & Apple Pay.

Rewards and Gift Cards

Apple Pay also allows you to use eligible rewards and gift cards that are stored in Wallet to make contactless rewards and gift card transactions in select stores. If you add a rewards or gift card to Wallet, information about your account or card (including an identifier) will be stored on your device and synced via iCloud. You can disable iCloud syncing by going to Settings > iCloud, and disabling “Wallet”.

When you use Apple Pay in stores, the payment terminal may request the rewards or gift card identifier from its associated rewards or gift card on your device as part of the transaction. You can disable this functionality by selecting the card in Wallet and disabling Automatic Selection in the card details. In select stores, if the payment terminal does not receive a rewards card identifier from your device, when you pay using Apple Pay, it may trigger a notification asking if you would like to add your rewards card to Apple Pay or sign up for the merchant’s rewards program if you are not a member. In the case of rewards sign up, the merchant may request that you provide information to them such as your name, postal code, email address, and phone number. While Apple will receive notice when you personalize a merchant’s rewards card, the information you share will be sent directly from your device to the merchant and treated in accordance with the merchant’s privacy policy.

Student ID Cards

If you choose to add a supported student ID card to Wallet, information about your student ID card and whether certain device settings are enabled may be provided to Apple. Information may also be provided by Apple to your school and providers authorized by your school to enable your ID card, determine eligibility, to set up your card, and to prevent fraud, including:

  • your student ID card number
  • the name and billing address associated with your Apple ID, iTunes, or App Store account
  • information about your device and, if using Apple Watch, the paired iOS device (e.g., device identifier and model of your device)

Apple receives and stores your student ID photo and stores it with your iCloud account

When you use a student ID card, contactless card readers can access your ID card number if the card is set to operate in Express Mode (a setting that allows you to complete transactions without Touch ID, Face ID, or a passcode). You can manage Express Mode on your iPhone in Settings > Wallet & Apple Pay or in Apple Watch app > Wallet & Apple Pay.

Other Information

If you have Location Services turned on, the location of your device at the time you use it to make purchases in stores may be sent anonymously to Apple and will be used to help Apple Pay improve the accuracy of business names in the Wallet card transaction history and may be retained in aggregate to improve other Apple products and services. You may disable this location-based functionality of Apple Pay at any time by going to the Location Services setting on your iOS device and turning off the individual location setting for Wallet. On a Mac, go to System Preferences, Security & Privacy, Privacy, Location Services, and turn off location for Wallet & Apple Pay.

Apple Pay data that has been disassociated from you may be retained for a limited period of time to generally improve Apple Pay and other Apple products and services.

The terms of cardmember agreements you may have in place with your card issuer or payment network will continue to govern the use of your payment cards and their use in connection with Apple Pay, and such terms may have additional privacy policies.

At all times, information collected by Apple will be treated in accordance with Apple’s Privacy Policy, which can be found at www.apple.com/privacy

 

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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