Apple Pay component security
Apple Pay uses several hardware and software features to provide secure, reliable purchases.
The Secure Element is an industry-standard, certified chip running the Java Card platform, which is compliant with financial industry requirements for electronic payments. The Secure Element IC and the Java Card platform are certified in accordance with the EMVCo Security Evaluation process. After the successful completion of the security evaluation, EMVCo issues unique IC and platform certificates.
The Secure Element IC has been certified based on the Common Criteria standard. For more information, see Secure Enclave Processor security certifications in Apple Platform Certifications.
The NFC controller handles Near Field Communication protocols and routes communication between the Application Processor and the Secure Element, and between the Secure Element and the point-of-sale terminal.
Setup Assistant and Settings for iOS and iPadOS
The Watch app for Apple Watch
Wallet & Apple Pay in System Preferences for Mac computers with Touch ID
In addition, Apple Wallet allows users to add and manage transit cards, rewards cards, boarding passes, tickets, gift cards, student ID cards, access cards, and more.
On iPhone, iPad, Apple Watch, Mac computers with Touch ID, and Mac computers with Apple silicon that use the Magic Keyboard with Touch ID, the Secure Enclave manages the authentication process and allows a payment transaction to proceed.
On Apple Watch, the device must be unlocked, and the user must double-click the side button. The double-click is detected and passed directly to the Secure Element or Secure Enclave, where available, without going through the Application Processor.
Apple Pay servers
The Apple Pay servers manage the setup and provisioning of credit, debit, transit, student ID, and access cards in Apple Wallet. The servers also manage the Device Account Numbers stored in the Secure Element. They communicate both with the device and with the payment network or card issuer servers. The Apple Pay servers are also responsible for reencrypting payment credentials for payments within apps or on the web.